Subaru Solterra Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Subaru Solterra are $1,918 a year with full coverage. Comprehensive insurance costs around $404 a year, collision costs $718, and liability costs $558. A policy with just liability insurance costs as little as $656 a year, with coverage for high-risk drivers costing $4,138 or more. Teenage drivers pay the highest rates at $7,182 a year or more.
Average premium for full coverage: $1,918
Price estimates for individual coverage:
Includes $500 deductible amounts, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Solterra trim levels.
Price Range from Low to High
For a driver around age 40, Subaru Solterra insurance prices go from as low as $656 for your basic liability-only policy to a high of $4,138 for high-risk insurance.
Geographic Price Range
Your location can make a big difference on insurance rates. Areas with sparse population have a lower frequency of collision claims than densely populated cities.
The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above demonstrate why it is important to compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below details estimated Subaru Solterra insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,116
- Drivers who choose higher $1,000 deductibles will pay about $1,662 annually
- The average rate for the average middle-age driver using $500 deductibles is $1,918
- Using low $100 deductibles for comprehensive and collision insurance will cost an extra $496 annually
- Drivers who are prone to accidents and violations could pay at least $4,138 or more
- The price for full coverage for a 16-year-old driver can be $7,182 a year
Insurance prices for a Subaru Solterra are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may pay as low as $1,800 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $7,100 a year. View Rates by Age
The state you live in makes a big difference in Subaru Solterra insurance prices. A 40-year-old driver could pay as low as $1,380 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,590 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,734 | -$184 | -9.6% |
| Alaska | $1,470 | -$448 | -23.4% |
| Arizona | $1,592 | -$326 | -17.0% |
| Arkansas | $1,918 | -$0 | 0.0% |
| California | $2,188 | $270 | 14.1% |
| Colorado | $1,834 | -$84 | -4.4% |
| Connecticut | $1,970 | $52 | 2.7% |
| Delaware | $2,170 | $252 | 13.1% |
| Florida | $2,398 | $480 | 25.0% |
| Georgia | $1,772 | -$146 | -7.6% |
| Hawaii | $1,378 | -$540 | -28.2% |
| Idaho | $1,300 | -$618 | -32.2% |
| Illinois | $1,430 | -$488 | -25.4% |
| Indiana | $1,448 | -$470 | -24.5% |
| Iowa | $1,298 | -$620 | -32.3% |
| Kansas | $1,822 | -$96 | -5.0% |
| Kentucky | $2,616 | $698 | 36.4% |
| Louisiana | $2,842 | $924 | 48.2% |
| Maine | $1,186 | -$732 | -38.2% |
| Maryland | $1,582 | -$336 | -17.5% |
| Massachusetts | $1,532 | -$386 | -20.1% |
| Michigan | $3,332 | $1,414 | 73.7% |
| Minnesota | $1,608 | -$310 | -16.2% |
| Mississippi | $2,296 | $378 | 19.7% |
| Missouri | $1,704 | -$214 | -11.2% |
| Montana | $2,062 | $144 | 7.5% |
| Nebraska | $1,512 | -$406 | -21.2% |
| Nevada | $2,300 | $382 | 19.9% |
| New Hampshire | $1,380 | -$538 | -28.1% |
| New Jersey | $2,144 | $226 | 11.8% |
| New Mexico | $1,700 | -$218 | -11.4% |
| New York | $2,022 | $104 | 5.4% |
| North Carolina | $1,106 | -$812 | -42.3% |
| North Dakota | $1,570 | -$348 | -18.1% |
| Ohio | $1,324 | -$594 | -31.0% |
| Oklahoma | $1,970 | $52 | 2.7% |
| Oregon | $1,758 | -$160 | -8.3% |
| Pennsylvania | $1,832 | -$86 | -4.5% |
| Rhode Island | $2,558 | $640 | 33.4% |
| South Carolina | $1,738 | -$180 | -9.4% |
| South Dakota | $1,620 | -$298 | -15.5% |
| Tennessee | $1,678 | -$240 | -12.5% |
| Texas | $2,310 | $392 | 20.4% |
| Utah | $1,420 | -$498 | -26.0% |
| Vermont | $1,314 | -$604 | -31.5% |
| Virginia | $1,148 | -$770 | -40.1% |
| Washington | $1,482 | -$436 | -22.7% |
| West Virginia | $1,758 | -$160 | -8.3% |
| Wisconsin | $1,330 | -$588 | -30.7% |
| Wyoming | $1,710 | -$208 | -10.8% |
Using high physical damage deductibles could save up to $760 annually, while buying higher liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $502 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at least $2,200 to $3,100 extra each year, depending on your age. A high-risk auto insurance policy can cost from 43% to 128% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out your exact price is to get quotes from multiple companies. Every company uses a different method to calculate prices, so the prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Solterra | $404 | $718 | $558 | $1,918 |
| 2023 Subaru Solterra | $384 | $690 | $584 | $1,896 |
Rates are averaged for all Subaru Solterra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest Subaru Solterra Insurance
Getting lower rates on insurance for a Subaru Solterra not only requires having a good driving record, but also maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates every couple of years by getting rate quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The next list is a recap of the material that was covered above.
- Insureds who may need increased levels of liability coverage will pay an extra $610 every year to go from a low limit to 250/500 limits
- Drivers age 20 and younger pay higher prices, costing up to $599 a month for full coverage
- Drivers considered higher risk that have major violations or accidents pay an average of $2,220 more every year to buy Subaru Solterra insurance
- Increasing physical damage deductibles can save around $750 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,182 |
| 20 | $4,424 |
| 30 | $2,000 |
| 40 | $1,918 |
| 50 | $1,752 |
| 60 | $1,720 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,414 |
| $250 | $2,184 |
| $500 | $1,918 |
| $1,000 | $1,662 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,918 |
| 50/100 | $2,030 |
| 100/300 | $2,169 |
| 250/500 | $2,532 |
| 100 CSL | $2,085 |
| 300 CSL | $2,392 |
| 500 CSL | $2,616 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,226 |
| 20 | $7,028 |
| 30 | $4,226 |
| 40 | $4,138 |
| 50 | $3,948 |
| 60 | $3,912 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $101 |
| Multi-vehicle | $99 |
| Homeowner | $28 |
| 5-yr Accident Free | $139 |
| 5-yr Claim Free | $122 |
| Paid in Full/EFT | $86 |
| Advance Quote | $93 |
| Online Quote | $134 |
| Total Discounts | $802 |
Discounts are estimated and may not be available from every company or in every state.
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