How Much Is Subaru Insurance by Model?
Discover how much you can expect to pay to insure your Subaru.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Subaru is a Japanese car maker whose vehicles attract a small but devoted core of buyers. The company markets its vehicles to those who are attracted to its signature engine and drive train, all-wheel drive, and rough-road capabilities. Subaru also offers affordable sports cars.
No matter what type of Subaru you drive, you’ll need the best car insurance you can find to protect your investment. The average cost of Subaru insurance per year is $1,227.89, which is lower than the national average car insurance cost of $1,311 per year.
Our Subaru insurance guide provides average insurance cost information by model and top-rated insurance company. With the help of a local independent insurance agent, you can get quotes from multiple companies so you can get the coverage you need that fits your budget.
In this article:
How Much Does a Subaru Cost to Insure by Model?
Are Subarus Expensive to Insure?
Why Do Insurance Costs Differ Between Subaru Models?
How Much Is Car Insurance for a Subaru BRZ?
How Much Is Car Insurance for a Subaru Crosstrek?
How Much Is Car Insurance for a Subaru Forester?
How Much Is Car Insurance for a Subaru Impreza?
How Much Is Car Insurance for a Subaru Legacy?
How Much Is Car Insurance for a Subaru Outback?
What Other Factors Affect Subaru Insurance Costs?
How to Save the Most Money on Subaru Insurance
How Much Does a Subaru Cost to Insure by Model?
Many factors influence car insurance costs, including the car’s make and model. The various Subaru models have different car insurance premiums depending on the unique characteristics of each model. Most people will pay more or less than the average.
We compared quotes for some popular Subaru models to give you an idea of how much each one costs to insure.
| Subaru Model | Average Cost of Car Insurance Per Year |
|---|---|
| Subaru BRZ | $1,592.00 |
| Subaru Crosstrek | $1,170.83 |
| Subaru Forester | $1,136.67 |
| Subaru Impreza | $1,231.17 |
| Subaru Legacy | $1,200.17 |
| Subaru Outback | $1,036.50 |
An independent insurance agent near you can help you find affordable car insurance for whatever type of Subaru you drive.
Are Subarus Expensive to Insure?
The cost to insure your Subaru depends on the model that you choose. In addition, the cost of Subaru insurance varies by your location, driving history, coverage options, and deductibles.
We compared popular Subaru models and found that, in general, car insurance for a Subaru is lower than the national average. Shopping around can help you find the most affordable coverage for your needs and budget.
Why Do Insurance Costs Differ between Subaru Models?
Car insurance costs differ by model depending on several factors.
Generally, any vehicle that has a higher purchase price is more expensive to repair or is more likely to be stolen or involved in an accident and will cost more to insure. We can see that among Subarus, the most expensive model to insure is the sleek and speedy BRZ sportscar. This model costs about $1,592 per year to insure.
Models that are considered to be safer have much lower insurance costs. The Subaru Outback, for example, has an average annual insurance cost of only $1,036.50.
How Much Is Car Insurance For a Subaru BRZ?
The Subaru BRZ is a speedy sports car with an affordable price point. Our research found that the Subaru BRZ is the most expensive Subaru model to insure, with an average premium rate of $1,592 per year. Here's a look at some average insurance costs for this model from top-rated insurance carriers.
| Insurance Companies | Average Annual Cost |
|---|---|
| USAA | $1,437 |
| Erie | $1,468 |
| Nationwide | $1,567 |
| Vermont Mutual | $1,596 |
| Progressive | $1,892 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $132.67 | $1,592.00 |
How Much Is Car Insurance for a Subaru Crosstrek?
The Subaru Crosstrek has an average premium rate of $1,170.83 per year. While these rates are below the national average of $1,311 per year, your rates will be higher or lower depending on where you live, your age, your gender, and several other factors.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $949 |
| Nationwide | $1,006 |
| Erie | $1,198 |
| Arbella | $1,225 |
| USAA | $1,306 |
| Acuity | $1,341 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $97.57 | $1,170.83 |
How Much Is Car Insurance for a Subaru Forester?
The Subaru Forester has an average car insurance premium of $1,136.67 per year, putting it below the national average for car insurance costs, and among the least expensive Subaru models to insure.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $808 |
| Vermont Mutual | $939 |
| Arbella | $1,195 |
| Erie | $1,269 |
| USAA | $1,275 |
| Acuity | $1,334 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $94.72 | $1,136.67 |
How Much Is Car Insurance for a Subaru Impreza?
The Subaru Impreza has an average insurance cost of $1,231.17 per year, making it the second most expensive Subaru model to insure among the insurance companies we reviewed. Insurance for the Impreza is less than the national average annual insurance cost of $1,311.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $971 |
| Nationwide | $1,187 |
| Erie | $1,216 |
| USAA | $1,282 |
| Arbella | $1,289 |
| Acuity | $1,442 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $102.60 | $1,231.17 |
How Much Is Car Insurance for a Subaru Legacy?
The Subaru Legacy has an average annual insurance cost of $1,200.17. While it has one of the higher insurance costs for a Subaru, it is still well below the national average of $1,311 per year.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $927 |
| Nationwide | $1,081 |
| Arbella | $1,215 |
| Erie | $1,286 |
| USAA | $1,333 |
| Acuity | $1,359 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $100.01 | $1,200.17 |
How Much Is Car Insurance for a Subaru Outback?
The Subaru Outback has an average annual insurance cost of $1,036.50. The Outback is the least expensive Subaru model to insure among the insurance companies we reviewed.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $724 |
| Nationwide | $925 |
| Arbella | $1,044 |
| Erie | $1,084 |
| Acuity | $1,138 |
| Plymouth Rock Assurance | $1,304 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $86.38 | $1,036.50 |
Save on Car Insurance
Our independent agents shop around to find you the best coverage.
What Other Factors Affect Subaru Insurance Costs?
The make and model of your car are two of the most important factors for determining your car insurance premiums. But numerous other factors play a role in your car insurance premiums, including:
- Your age, gender, and marital status
- Your credit score
- Where you live
- The amount of coverage and deductible that you choose
Every insurance company has its own proprietary method for calculating insurance rates, which is why you’ll see a range of premiums for the same make and model. But most companies also offer a wide range of car insurance discounts that can help you save money on your car insurance premiums.
An independent insurance agent can help you find the best rates in your area, and can help you make sure that you take advantage of all the discounts for which you are eligible.
FAQs about Subaru Insurance
We compared several Subaru models and found insurance coverage to be quite affordable. The average cost of Subaru insurance is $1,227.89 per year, which is lower than the national average. You’ll be able to find Subaru insurance that is above or below average, depending on the make, model, and other factors.
We found that the Subaru BRZ is the most expensive model to insure among the insurance companies we reviewed. The average annual insurance cost for a BRZ, according to our research, is $1,592.
The Subaru Outback is the cheapest Subaru model to insure, according to our research. The average cost to insure an Outback is $1,036.50 per year, which is well below the national average car insurance premium of $1,311.
How to Save the Most Money on Subaru Insurance
You can save the most money on Subaru insurance by working with an independent insurance agent in your area. Independent agents can compare coverage and quotes from multiple insurance companies, allowing you to choose the one that’s best for your needs and budget. Your agent will also help you maximize the discounts that you can apply to your premium, getting you the best possible rate.
https://www.thezebra.com/auto-insurance/vehicles/subaru/brz/
https://www.thezebra.com/auto-insurance/vehicles/subaru/crosstrek/
https://www.thezebra.com/auto-insurance/vehicles/subaru/forester/
https://www.thezebra.com/auto-insurance/vehicles/subaru/impreza/
https://www.thezebra.com/auto-insurance/vehicles/subaru/legacy/
https://www.thezebra.com/auto-insurance/vehicles/subaru/outback/