Subaru has long been known for producing safe, reliable, and affordable cars, with standard all-wheel drive on most base models. Whether you drive a Forester, Outback, or Crosstrek, finding the right Subaru car insurance is essential to protect your investment. Let’s break down what you need to know in a simple, conversational way.
How Much Does Subaru Car Insurance Cost?
Insurance costs for a Subaru can vary widely depending on your model, driving habits, location, and coverage choices. For instance, the 2019–2021 Subaru Ascent and Forester often rank as cheaper-to-insure vehicles due to their low frequency of bodily injury claims. However, your personal rates may differ.
When comparing vehicles, a Subaru Outback might be cheaper to insure than a Honda CR-V but cost more than a Jeep Compass. Factors like the car’s value, usage, and local insurance laws all play a role. Check out Edmunds’ car comparison tool to see how different vehicles stack up.
Pro Tip: Comprehensive and collision coverage can impact your premium based on your Subaru’s value. More expensive models may cost slightly more, but coverage protects your car from accidents and theft.
Ways to Lower Your Subaru Car Insurance Rate
Many Subaru owners can save on insurance by taking advantage of simple discounts, like signing up online or going paperless. Other strategies include maintaining a clean driving record, bundling policies, and exploring all available discounts. Learn more about insurance discounts that could save you money.
What Type of Car Insurance Do You Need for a Subaru?
Every state has minimum insurance requirements. At a minimum, you’ll likely need liability coverage. Depending on where you live, you might also need:
- Uninsured/underinsured motorist coverage
- Personal injury protection or medical payments coverage
Optional comprehensive and collision coverage is recommended, especially if your Subaru is financed. Lenders often require these protections.
For a deeper dive into different coverage types, visit IIHS Insurance Guide.
Popular Subaru Models to Consider
In 2023, the Subaru Outback topped sales, followed by the Crosstrek. Here’s a breakdown of Subaru’s lineup:
- SUVs and Crossovers: Crosstrek, Forester, Outback, Ascent, Solterra
- Sedans: Impreza, Legacy
- Performance: BRZ, WRX
Subaru vehicles consistently earn top safety ratings. Notable IIHS Top Safety Pick+ models include:
- 2023-2024 Subaru Outback
- 2024 Subaru Impreza
- 2023 Subaru Ascent
- 2023 Subaru Solterra (post-Oct 2022 models)
Other Top Safety Picks include the 2024 Crosstrek, 2023 Legacy, and 2023 Forester.
The Ascent is recognized for low theft claims, thanks to features like ignition disable devices, vehicle recovery systems, STARLINK Safety and Security, and secret passcodes. Lower theft risk can reduce your insurance premiums.
Fast Facts About Subaru Cars
- Subaru supports nonprofits like the ASPCA, Make-A-Wish Foundation, and Meals on Wheels America.
- Introduced the first four-wheel drive passenger car in the U.S. in 1975.
- Maintains zero-waste-to-landfill manufacturing plants.
How to Get a Subaru Car Insurance Quote
- Online: Quickly answer a few questions and customize your coverage. Get a quote online.
- By Phone: Speak with a licensed representative at 1-866-749-7436.
- Through an Agent: Connect with an independent local agent to discuss your needs.
Conclusion
Getting the right Subaru car insurance doesn’t have to be complicated. By understanding coverage options, taking advantage of discounts, and considering safety features, you can protect your Subaru without overpaying. Compare quotes, explore coverage, and enjoy peace of mind on the road.
