Companies Racing to Offer the Best Subaru Auto Insurance

Auto insurance for a Subaru costs $115.33/mo on average, but rates vary widely based on each driver's driving record, credit history, and other factors.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 29, 2022

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to remember...

  • There are several factors that every insurance company uses to calculate premiums including the type of car you drive
  • The Subaru Outback is one of the most affordable models to insure
  • In addition to the make and model of your car, your driving history, geographical location, and age can affect your monthly premium

The auto insurance industry has become a very competitive market. With the advent of online searches for quotes and premiums prices, insurance companies have been forced to offer competitive quotes to stay in business.

If you are willing to do some research and spend some time yourself, you can save a lot of money and find great auto coverage for your vehicle investment.

To receive great quotes for car insurance, enter your zip code into the FREE tool located on this page now!

Finding Great Auto Insurance

There are a few universal factors that every insurance company uses to calculate premiums. Some of the factors you can control and others are circumstantial.

Thankfully, one guaranteed way to find lower auto premiums is determining what car you drive.

Most Subaru models, with the exception of the sporty WRX, tend to have lower insurance costs than most other vehicles. Subaru usually ranks among the highest in safety and crash-test ratings.

All of these factors make a Subaru, in the eyes of many insurance companies, a safe vehicle. This means low prices for Subaru owners.

Because of these specific features related to these cars, many insurance companies are beginning to offer discounts only for Subaru owners. That is fantastic news, considering some of the discounts are up to ten percent.

Even before you consider all of the great qualities of a Subaru, including its usually cheap cost to insure, you may want to consider some other factors that are outside of your control. Sometimes, these factors can drastically affect the cost of insurance, even with owning a Subaru.


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Driving Record

For example, one of the cheapest cars to insure is the Subaru Outback. Regardless, one factor that you may not be aware of that does impact cost of insurance is your driving record.

No matter what type of car you drive, if you have multiple tickets and a few accidents on your record, you can bet that the insurance premium will be very high.

If you are unsure what your driving record looks like, or if you want to see if there are any discrepancies on your record, contact your local Department of Motor Vehicles.

Many departments will offer online services to obtain your record, usually for a small fee.

Personal Information

Another factor that causes insurance prices to vary from person to person is basic information about you. For example, factors like your age and gender will greatly impact your insurance prices.

If you are a male and under the age of 25, it will not matter what you drive. Your insurance will probably cost quite a bit.

In addition, where you live can also influence the price of insurance. Most online resources for finding quotes ask for your zip code. Insurance companies want to know the relative neighborhood you live in and the city.

Big cities with lots of crime and many accidents will always force insurance companies to raise prices. Likewise, if you live in a city that has a high percentage of theft or vandalism, you will see that reflected in your rates.

Finally, your credit history will also impact the cost of insurance. Whether you drive a brand new Outback or a used Impreza, if you have a bad credit score, your insurance will be higher.

Insurance companies view credit scores as a measurement of how likely you are to file a claim. The higher the likelihood, the higher your insurance costs.

For further information about the basics of how premiums are calculated, you can check out Insurance Information Institute. The organization offers free educational material for consumers.

The Benefit of a Subaru

Even though there are some factors you cannot control, there are others that you can. What car you drive is a great way to control the cost of insurance. A Subaru is among the cheapest cars to insure.

However, sometimes premiums can fluctuate even between models.

For example, a bigger engine than the stock engine will probably garner a higher premium. The bigger engine means you can go faster and that is a risk to insurance companies.

Regardless, the Subaru name has become synonymous with dependability and safety, which is great if you are looking for cost-effective coverage.

Another great resource for further information about the variety of models Subaru offers and why so many insurance companies are offering great rates is J.D. Power and Associates.

The ratings that J.D. Power provides are consumer based and are one of the reasons Subaru is becoming so popular.

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Other Factors to Consider

In addition to all the information previously discussed, you may also want to consider the safety ratings of a Subaru. Being recognized for crash-test ratings has been a staple of the Subaru name for years.

The Insurance Institute for Highway Safety has an awesome search tool for finding out specific vehicle safety ratings.

Considering safety ratings is important, especially when shopping for insurance. An insurance company wants to predict how often you may file a claim. Accidents not only cost you money, but they also cost your insurance provider.

If you are driving a vehicle that has a high safety rating that tells your insurance provider that you will be less likely to file an expensive accident claim. That means cheaper premiums!

Other Ways to Reduce Your Premium

Again, even though Subarus tend to have cheaper insurance costs, there are more ways to help control the price of your premium. Another factor to consider is your coverage and deductibles.

It is wise, and likely required by your lender, to have comprehensive and collision on your new Subaru Forester; just know that this will increase your premium.

To offset those costs, out-of-pocket expenses, you probably should consider raising your deductibles. Of course, that is all dependent on if you can afford the repair costs.

In addition, you may also want to consider dropping add-ons to your policy like roadside assistance. In addition, you can check with your insurance provider about their schedule for premium payments or you can pay the premium up front.

If paying your premium outright, you will usually receive a discount of some kind. There is a variety of ways to reduce your premium and still find the perfect coverage for your beloved Subaru.

The Honest Truth about Auto Insurance

Sadly, there is not one auto company on the market that will always yield low premiums. There are way too many variables that influence insurance costs.

With that in mind, do not base your entire buying decision on whether a car gets consistently low rates. You could probably ask ten different people what they pay for coverage on a new Subaru Outback and you would get ten very different responses.

Insurance fluctuates, which is why shopping around for the best deal is the best way to find great coverage. Most of the major insurance providers offer a wide variety of discounts with some tailored specifically for Subaru owners.

There are also state-specific mandates to consider when buying insurance. Most states have a department of insurance that can provide its residents with valuable information. Some even provide a list of insurance providers that have great ratings within that state.

For example, the California Department of Insurance provides an incredibly detailed list of helpful hints for buying auto insurance in California. Check with your local department to access state-specific resources.

All insurance companies want your business. That is the nature of the insurance industry now. They especially want your business if you drive a safe, reliable vehicle because that means you probably will not be filing claims, but you will be paying a premium.

Because of this simple fact, being a Subaru owner has some great benefits. To guarantee you have the best insurance for the lowest price for your Subaru, shopping around and educating yourself on how insurance premiums.

You can receive instant car insurance quotes by just entering your zip code below in the FREE box found on this page!

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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