Subaru is the cheapest popular brand for car insurance

Written by Katie Dee

Published on 2023-10-17

With an estimated average annual premium of $1,870, Subaru is currently the cheapest popular car brand for car insurance. The Subaru Outback is the cheapest 2023 vehicle to insure, coming in at 18% cheaper than the average vehicle, and the Forester takes second place at 16% cheaper. All of the other most popular 2023 Subaru models are 5% or more below the average cost of car insurance.

Subarus are known for being safe, comfortable, and reliable cars that won’t break the bank, but what makes Subaru car insurance so inexpensive?

Why is car insurance for Subaru so cheap?

Subaru’s are known to be built-to-last and affordable, both of which contribute to lower insurance costs. It is important to remember that there are several factors beyond the make and model of your car that impact your rates, including your age, location, and credit score.

Top 5 ways to save on your car insurance

Is your state expensive for car insurance?

Why are car insurance rates rising faster than the rate of inflation?

It is always a good idea to compare rates at the car insurance companies in your area to be sure you are not overpaying for your Subaru car insurance.

Another reason why Subarus are cheaper to insure than other popular vehicle brands is their history of scoring highly on crash and safety tests.

Generally, the more risk a car insurance company takes on by insuring your car, the higher your premium will be. Since Subaru’s have a proven safety record, car insurance companies are more likely to give them a cheaper annual premium.

Insurance companies may even offer exclusive discounts for Subaru drivers, so be sure to seek out any applicable discounts before you choose a car insurance company.

How does Subaru car insurance vary by model?

On average, car insurance for a Subaru can cost anywhere from around $1,690 to $2,020. According to our research, the cheapest Subaru model to insure is the Subaru Outback (18% cheaper than the average vehicle) while the most expensive is the Subaru CrossTrek (5% cheaper than the average vehicle).

One reason why the Outback is Subaru’s cheapest model could be that it has a lower rate of accidents and driver deaths. In fact, the 2023 Subaru Outback is the safest new vehicle on the road today, according to the Insurance Institute for Highway Safety, with the 2023 Subaru Ascent not far behind.

Another reason the Subaru Outback is less expensive to insure could also be that the cost of repair and replacement parts may be cheaper.

Conversely, the Subaru CrossTrek may be a more expensive model to insure because of higher costs associated with repairing or replacing parts if the vehicle is involved in a covered accident.

The price to insure either of these models will depend on several outside factors as well, such as the year and trim level of your specific vehicle as well as your age, credit score, and the state you live in. To get a better idea of how much car insurance costs in your state, check out Rate Retriever’s quarterly insurance rates report.

Saving money on Subaru car insurance

There are multiple options available to you to save money on your Subaru car insurance. The first thing you should do is shop around and compare rates at different companies in your area so that you find the one with the best rates for you.

Beyond that, improving your credit score may help to save you money on your annual premium. Typically, drivers with good or excellent credit pay a fair amount less for car insurance than drivers with fair or poor credit scores.

Keep in mind that California, Hawaii, and Massachusetts do not take credit scores into consideration when pricing car insurance.

You could also investigate defensive driving courses available through your car insurance company. Several companies offer these courses to help consumers brush up on their driver safety knowledge, and they offer discounts to those who successfully complete them.

Frequently asked

How does the insurance company determine my rate?

Car insurance companies determine how much they charge you based on your driver profile. Factors that can impact your rates include:

Demographics – your age, home ownership, credit score, and more
Your driving history – how long you’ve been driving, traffic violations, and more
Your car – make, model, and year
Where you live – state and zip code
How much coverage you want

How do I switch my car insurance?

Switching your car insurance is easy, even if you are in the middle of your current policy.

Here are some helpful tips to consider to switch your car insurance:

Decide what coverage you want with your next policy
Check if your current provider charges cancellation penalties or fees
Compare prices from at least 3-5 insurance companies (Rate Retriever makes this easy, giving you personalized rates from the top companies near you)
Get a final quote from at least one of your choices
Cancel your current policy once your new one begins

How much car insurance do I need?

The answer to this question depends on where you live and what you would like to cover.

Each state has its own minimum requirements on the type and amount of insurance needed. When you’re trying to determine what and how much car insurance you need, you can start by reviewing your state’s requirements.

Find out what’s required in your state

Once you review your state’s minimum requirements, you may find that you want additional coverage. For example, sometimes owners of new cars want comprehensive coverage to insure their car from natural disasters and vandalism, even though comprehensive coverage isn’t required by their state. To figure out what insurance you want, you can review the different types of insurance to decide what makes the most sense for your situation.

Learn about the different types of car insurance

How is Rate Retriever different than other insurance websites?

The biggest difference between Rate Retriever and other comparison sites is that we are a free and impartial research tool NOT an insurance marketplace. This means you can’t purchase a policy directly through RateRetriever.com, but you can use our tool to independently research your options and seamlessly connect with the provider you choose.

Unlike other insurance comparison sites, we:

Use third-party data to give you more accurate rate estimates instead of inaccurate, suspiciously low quotes to get you in the door
Do not limit your list of results to paid advertisers
Do not collect your email or phone number before we let you see your results
Give you results after just five questions (however, your results will be more accurate if you complete your profile)

We like to think that Rate Retriever is your insurance companion, not just another insurance comparison site. Our values guide everything we do, which is why we strive to offer transparent, trustworthy insurance tools.

How can I get cheaper car insurance?

There are many ways you can try to get cheaper car insurance. The first is simply to get quotes from multiple providers. This will help you determine if you’re currently receiving the cheapest rates based on your needs and driver profile. Rate Retriever makes the comparison process easy.

Sometimes, the reason your car insurance is so expensive is due to your driver profile. For example, drivers under 20 years old usually pay more for insurance than more experienced drivers, and drivers with a recent at-fault accident or traffic violation typically pay more.

There are ways to lower the cost of your insurance such as taking a defensive driving course. Check with your provider to see if there are any discounts you qualify for or can reasonably earn.

How does Rate Retriever make money?

Rate Retriever works with national and local insurance providers to provide our users with a seamless insurance shopping experience. We may earn a commission from our insurance provider partners when you click on a link, call, or purchase a policy from one of the providers listed on our site. That said, we’re committed to providing you with accurate, bias-free information, and we do not allow our partnerships to limit the results or influence the information we share with you.

We do not sell your personal information, charge you for using our tools, or sell you insurance policies. Additionally, should you choose to purchase a policy from one of our partners, the price you pay will not be adversely affected.

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