Subaru Auto Insurance (2024)

Subaru auto insurance rates tend to be a little lower than the national average due to the brand’s reputation for affordability and safety. However, auto insurance for Subarus can vary significantly between models, with the BRZ having some of the highest rates.

Although some Subaru car insurance quotes cost more than others, there are plenty of ways to save. When shopping for the best Subaru auto insurance, you can keep your rates low by picking the right types of auto insurance, finding discounts, and comparing quotes.

Read on to learn more about coverage for Subarus, including how to find cheap Suabru auto insurance. Then, compare Subaru auto insurance quotes from multiple companies to find the best policy for you.

Factors That Affect Subaru Auto Insurance Rates

There are a few universal factors that affect auto insurance rates that companies use to calculate premiums. Some of the factors you can control, and others are circumstantial.

Thankfully, one guaranteed way to find lower auto premiums is by 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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How Your Driving Record Affects Subaru Auto Insurance Rates

For example, the Subaru Outback is one of the easiest models to find cheap auto insurance. Regardless, one factor that you may not be aware of that does impact the 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.

How Demographics Affect Subaru Auto Insurance Rates

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.

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 for Subaru Auto Insurance

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.

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 Subaru Auto Insurance Rates

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 upfront.

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.

Find the Best Subaru Auto Insurance Today

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.

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, shop around and educate yourself on insurance premiums.

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

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