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How Much is Subaru Car Insurance?

Last updated: July 8th, 2026

Subarus have a reputation for being reliable and safe all-wheel-drive vehicles that offer both quality and comfort. Based on our research, they are also generally inexpensive to insure. The average price for Subaru car insurance is about $2,100-$2,500 per year which is lower than the cost to insure the average vehicle. However, the price you pay will vary depending on the specific model, year, and trim level of your Subaru.

What does it cost to insure my Subaru?

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Insuring your Subaru

Subaru offers an expansive lineup of vehicles, and insurance on each will vary. In order to nail down the price of your Subaru car insurance, you must consider the specific model and year of your car. Typically, newer vehicles and those with higher trim levels come with higher insurance costs.

Personal details such as your age, the state you live in, and your driving record also play a part in determining your premium, along with the car insurance company you choose. This is why it’s important to shop around and compare rates from different companies to ensure you are getting the cheapest price.

What can I expect to pay to insure my Subaru?

Currently, the least expensive Subaru to insure is the Subaru Outback while the most expensive is the Subaru Crosstrek.

It is important to remember that these are just estimates and the actual price of your Subaru car insurance is subject to change based on your personal details as well as the specific model, year, and trim level of your car.

The insurance company you select also has a part to play in determining your rates. This is why it is smart to always look at all your options and compare them to be sure you are not overpaying for your car insurance.

Take our short quiz and find out which company offers the cheapest rates for you in 30 seconds.

Subaru insurance rates by model

According to sales data from GoodCarBadCar, the most popular Subaru model is currently the Subaru Crosstrek. This model is one of the most expensive Subaru models to insure on average. However, it is still cheaper than the national average for car insurance.

Remember, the specific rate you will pay will vary depending on the model, year, and trim level of your car.

Insurance for popular Subaru models

Subaru Crosstrek

According to our data, this model has the highest premium of all the most popular Subaru models.

See how much it costs to insure a Subaru Crosstrek >

Subaru Ascent

This model gets around 27 miles per gallon in the city and 21 on the highway and has an MSRP of around $34,000 for the base model.

See how much it costs to insure a Subaru Ascent >

Subaru Impreza

The MSRP on the base model is around $23,000 and it has around 152 horsepower.

See how much it costs to insure a Subaru Impreza>

Subaru Forester

This SUV gets around 28 miles per gallon and has an MSRP of around $27,000 for the base model.

See how much it costs to insure a Subaru Forester >

Subaru Outback

According to our data, this model is the cheapest to insure both among the most popular Subaru models and overall.

See how much it costs to insure a Subaru Outback >

Cheapest car insurance companies for Subaru

One of the best ways to be sure you are not overpaying for your car insurance is to look into all the different companies available in your area. No two car insurance companies are alike, so it is important to do your research and see which one can offer you the best rate.

We have put together a list of the best and cheapest car insurance companies for Subaru below. It is important to remember that while these companies service most of the United States, they may not all be available in your area. Check with local insurance companies as well to make sure you are getting the cheapest price available.

How much should I expect to pay to insure my Subaru

Personalized rate estimates at the top insurance companies in your state

Your rates will vary based on where you live, your age, and other factors like your driving record

Frequently asked

Are Subarus expensive to insure?

The estimated annual premium for Subaru car insurance is $1,870 per year, about $250 cheaper than the national average for car insurance. The most expensive model to insure is currently the Subaru Crosstrek which costs around $2,020 annually, but is still less expensive than the national average.

Are Subarus good for insurance?

Subarus are good for insurance as they are about $250 cheaper on average than the national average for car insurance.

Why is insurance so expensive for a Subaru?

Insuring a Subaru is actually cheaper than you may think, the average cost across popular models is around $1,870 which is cheaper than the national average for all cars. Personal factors like where you live, your age, driving record, and coverage limits may also impact your car insurance and make your rates more or less expensive.

Is owning a Subaru expensive?

Subarus are generally inexpensive cars to own, with a lower-than-average insurance premium and decent gas mileage, these vehicles can most likely fit your budget.

Methodology

Rate Retriever estimates average rates using the thousands of results we generated for our users over the last 18 months. These results include estimated quotes from our insurance carrier partners and additional estimates based on public rate filings.

For the data on this page, we analyzed searches from insured drivers ages 25-75 who were searching for full coverage car insurance. These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile.

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results.

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a quicker form that more accurately estimates what you’ll pay at each of the top insurance providers near you.

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.

We may earn a commission when you click one of the links, buy a policy, or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide in our guides.