Affordable Subaru Auto Insurance Quotes (2023)

When it comes to adventure cars, one of the first brands that come to mind is Subaru. With a reputation for reliability and safety, Subarus continue to grow more popular in the American market year after year.

Insurers calculate auto insurance rates based on a number of factors, but Subaru drivers tend to enjoy low prices. This is primarily because Subarus have affordable price tags and excellent safety ratings. Also, they are not among the top most stolen cars in America.

Although Subarus tend to have affordable rates, there are plenty of ways to save even more. Read on to learn how to find affordable Subaru auto insurance quotes. Then, compare rates with as many companies as possible to find the best policy for your Subaru.

How much is auto insurance for a Subaru?

Subaru drivers pay an average of $136 a month for auto insurance, which is a little more than the national average. However, several factors affect your auto insurance rates, and you should understand them before signing up for a policy. Here’s how insurance companies determine your premiums.

Companies will consider the following factors to decide how much you’ll pay for auto insurance:

• Location: Insurance companies have detailed statistics about who makes claims, including by ZIP code. People who move will see new rates even if they stay within their city.
• Your car: Your car plays a big role in your insurance rates. Subaru’s stellar safety ratings significantly help keep your insurance rates low, but companies also look at your car’s price tag, reliability, and theft rates.
• Age and gender: Demographics more likely to file claims are charged more for their insurance. Men and young people are statistically the riskiest drivers, so they pay some of the highest rates for insurance.
• Driving history: Your quotes reflect your overall riskiness to a company. One of the most important ways to determine your risk level is to look at your driving history. Speeding tickets and at-fault accidents will dramatically increase your rates, and you might need high-risk auto insurance if you have too many. Learn how much high-risk auto insurance costs.
• Marital status: Married people pay a little less for auto insurance because they file fewer claims than single, divorced, or widowed drivers.
• Credit score: Unless you live in California, Hawaii, Massachusetts, or Michigan, insurance companies can use your credit score to determine your rates. The higher your credit score, the less you’ll pay for insurance.

Most companies consider the same factors when they craft your rates, but they have unique formulas. This is why it’s important to compare rates with multiple companies. It’s hard to know which company will have the best rates for your situation, and you’ll likely overpay if you don’t compare your options. Find the top secrets to getting cheap auto insurance.

Subaru Auto Insurance Rates by Model

Although the average Subaru driver pays about $136 a month for auto insurance, some models are more expensive than others to cover. Check below to see how much the Subaru model you choose will affect your insurance rates:

Some brands have a great deal of variation in the price of insurance for different models. For example, Mazda auto insurance rates range from $117 to $144 a month. Subaru models tend to stay around the $136 range, meaning you’ll pay about the same no matter which model you buy.

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What types of coverage should you buy for a Subaru?

While there are many reasons to buy one, Subarus have a reputation for being safe family cars you can take on an adventure. Whether you use your Subaru to explore the outdoors or simply get to work, buying the right coverage is integral.

Most drivers buy either minimum insurance or full coverage auto insurance. Minimum insurance refers to the least amount of coverage your state requires drivers to carry before they can register their car or drive on a public street. It’s your most affordable option for coverage, but it leaves your vehicle unprotected.

Full coverage is a combination of insurance types that gives your vehicle much better protection. It can cost up to twice as much as minimum insurance, but it’s usually your best bet if you have a new or expensive vehicle.

To meet the basic coverage needs of drivers, most insurance companies offer the following types of auto insurance coverage:

• Liability: Liability auto insurance comprises two parts — bodily injury and property damage. Both pay for damages and injuries you cause in an accident. While it doesn’t cover your car, most states require liability insurance.
• Uninsured/underinsured motorist: If a driver without enough insurance hits you, uninsured motorist coverage will pay for your injuries and car repairs. It also covers you if you’re the victim of a hit-and-run. Learn what happens if you hit an uninsured motorist.
• Collision: Collision insurance pays for car repairs after an accident, no matter who caused it. It also covers you if you hit a stationary object, like a parked car.
• Comprehensive: Car accidents aren’t the only thing that can damage your vehicle. Comprehensive insurance will repair or replace your vehicle if it’s damaged from unexpected events like fires, floods, theft, vandalism, or extreme weather.
• Personal injury protection/medical payments: Depending on your state, you can buy either medical payments or personal injury protection auto insurance to pay health care expenses for you and your passengers after an accident.

When you buy full coverage, you’ll be purchasing everything listed above. If you don’t want full coverage, most companies will let you add only the insurance you want to your policy. Choosing the right coverage is crucial to finding low rates. For example, the difference between comprehensive and collision coverage prices is pretty significant. If you don’t want a certain type of coverage, skipping it can save you a lot of money. Learn how to get auto insurance.

Tips to Save on Subaru Auto Insurance

You’ve already taken a good first step in finding low insurance rates by choosing a Subaru. Insurance companies appreciate that many Subaru models come with safety features like lane departure warnings and emergency braking. Subaru insurance rates are about average, but there are always more ways to save on auto insurance. Try the following money-saving methods to get the lowest rates possible:

• Lower your coverage. You probably don’t need full coverage unless you have a car loan or lease. Lowering your insurance to the least amount you need will significantly reduce your rates.
• Increase your auto insurance deductible. Most companies let drivers pick how much they want their deductible to be. If you choose a larger deductible, your rates will be lower. However, you’ll have to pay more before your insurance kicks in when you file a claim.
• Keep your driving record clean. Having traffic incidents on your record will greatly impact your rates. If you do receive a citation, make sure to avoid future incidents so your rates will eventually return to normal.
• Find auto insurance discounts. Companies know their customers want to save, so most offer discounts to attract more drivers. Finding the right discounts is essential in picking the right company for you.
• Enroll in a telematics program. Most companies offer usage-based insurance programs to help safe drivers save. You can save up to 40% on your insurance if you regularly practice safe driving habits.
• Be safe. Insurance companies often reward drivers for their safety efforts. If you park in a secured location or add security systems like audible alarms or GPS tracking,

Subaru is usually an easy brand to find affordable insurance, but you can always use the tips listed above for additional savings. Of course, one of the most effective ways to find affordable auto insurance rates low is to compare quotes with as many companies as possible.

Find the Best Subaru Auto Insurance Today

Whether you’re taking your Subaru for a wilderness adventure or around the block to pick up groceries, Subarus are generally considered safe vehicles you can depend on. Not only are Subarus affordable, but they also usually come with low insurance rates.

While there are many ways to save on your Subaru insurance costs, the simplest method is to compare quotes. Researching multiple companies is the best way to avoid overpaying for your insurance.

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