Subaru Insurance Cost: Average Rates & What Drives Them

Subaru insures well compared with many brands. Most of its lineup is made of wagons and crossovers with standard all-wheel drive, and a reputation for safety. The sports models, the WRX and the BRZ, are the exception, and they are priced in a different tier. This page is about the brand as a whole, with model-level figures below.

The figures in this guide come from two kinds of studies, and they are not on the same basis. The first is a brand study that uses a standard profile. The second consists of individual model pages that include a wider mix of cars. The sections below flag which is which, so that you do not compare the wrong numbers.

MoneyGeek's brand study uses a 40-year-old driver with good credit and a clean record, insuring cars from model years 2012 to 2022. Against the national average for all vehicles, Subaru is well below on both full and minimum coverage.

In the brand study, the Outback and the Forester come in lowest, and the BRZ is the highest. The WRX is high too, although it sits below the BRZ. Everyday models such as the Legacy and the Impreza fall in the middle.

The Crosstrek row at the bottom comes from MoneyGeek's separate Crosstrek page, which averages all model years and a broader mix of drivers instead of the brand study's profile. That page's figure is higher than the brand study's figures for other models, but it is not a like-for-like comparison. Read it as a separate estimate.

If you see a higher Outback number elsewhere, the basis probably explains it. Here are two monthly full coverage estimates, both for the Outback. MoneyGeek's Outback page averages all model years. Insurify's figure comes from its marketplace quotes. Both are monthly, and neither uses the 40-year-old profile of the brand study.

The brand study puts the Outback at the low end of the annual comparison above, while these monthly estimates are based on a broader set of drivers and cars. That is why you should not divide the annual brand figure by twelve and set it next to the monthly numbers.

AutoInsurance.com publishes monthly full coverage costs for the Outback by insurer. State Farm averages $120/mo, GEICO $114/mo, and Progressive $147/mo.

Several things help. Standard driver-assist technology is part of the package on many current models, the cars hold up well in claims, and repair parts are widely available. On the other side, all-wheel drive systems, sensors, and EyeSight cameras increase repair costs after a crash, and turbocharged performance trims draw higher rates. Insurance bills also reflect where you live. Dense cities and areas with high theft rates tend to cost more regardless of brand.

• Which model year and trim are you quoting?
• Are there discounts for the safety technology on the car?
• How does the carrier handle replacement parts on a newer model?
• Is there a discount for a clean record or for bundling?