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Car insurance for Subarus in 2022

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If you drive a Subaru, you may be wondering how much the average Subaru driver pays for their auto insurance. The national average cost of full coverage car insurance is $1,674 per year. However, your insurance rates will vary based on your individual characteristics, including the model of Subaru that you drive. Although personal factors, such as your driving record and location will cause your rates to vary, the following rates for auto insurance for Subaru vehicles may be useful when comparing insurance carriers.

Models included in this review:

  • Subaru BRZ Limited
  • Subaru Forester
  • Subaru WRX

How much does it cost to insure a Subaru?

The national average cost of full coverage car insurance is $1,674 per year. However, in addition to features like your claim history and mileage, your vehicle’s make and model influences your insurance premium. Why? Different car models are equipped with different safety features, have different crash statistics and their parts vary in cost.

  • Crash rate stats per make/model: The 2020 Subaru BRZ Limited received an overall evaluation score of “acceptable” from the Insurance Institute for Highway Safety (IIHS). Meanwhile, the Subaru Forester was one of the IIHS’s 2021 Top Safety Picks, receiving an overall safety score of “good.” The Subaru WRX was also a top safety pick with an overall safety evaluation of “good.”
  • Price of parts: When it comes to non-luxury car brands, Subarus have some of the most expensive parts. Expensive parts can result in higher insurance premiums as insurance providers anticipate higher repair costs in the event of an incident.
  • Safety features: Subarus commonly come equipped with a distraction mitigation system, blind spot detection, reverse automatic braking and rear vision cameras — all features that may result in lower insurance prices.

Car insurance for a Subaru: by model

Since each Subaru model has varying features and characteristics, average full coverage and minimum coverage car insurance rates vary. Your individual car insurance premium will vary based on your individual characteristics, but the following Subaru car insurance premiums may be helpful for the sake of comparison.

Car insurance for Subaru BRZ Limited

Of the Subaru models in this article, the BRZ Limited received the lowest overall score for safety from the IIHS. This lower score may partially account for the BRZ Limited’s average full coverage premium being hundreds of dollars more expensive than the Forester and WRX models.

Subaru BRZ Limited car insurance Average annual premium
Minimum coverage $481
Full coverage $2,032

Car insurance for Subaru Forester

The Subaru Forester has the lowest annual car insurance premiums on our list, which may be due in part to this vehicle’s extensive safety features, such as EyeSight Driver Assist Technology, automatic braking, emergency steering, adaptive cruise control and a state-of-the-art distraction mitigation system. Despite Subarus typically having high-cost parts, the Forester’s average full coverage premium comes in hundreds of dollars lower than the national average.

Subaru Forester car insurance Average annual premium
Minimum coverage $459
Full coverage $1,419

Car insurance for Subaru WRX

The Subaru WRX is one of the IIHS’s picks for safest vehicles in 2021, which may account for the WRX having a significantly lower average full coverage premium than the BRZ. However, keep in mind that Subarus are generally made with more expensive parts, which may partially account for the vehicle having an average full coverage premium higher than the national average.

Subaru WRX car insurance Average annual premium
Minimum coverage $481
Full coverage $1,863

Cheapest car insurance companies for Subarus

Subaru drivers on a budget may be interested in finding the cheapest car insurance available. Of the best car insurance providers by market share, the following providers offered competitive insurance rates for Subarus. The following rates are averages, so note that your exact rate will vary based on individual factors.

Average annual premium for full coverage by model

Car insurance company Subaru BRZ Limited Subaru Forester Subaru WRX
Amica $1,564 $1,116 $1,397
Erie $1,373 $1,178 $1,237
Geico $1,538 $1,072 $1,484
State Farm $1,689 $1,266 $1,442
USAA $1,268 $1,094 $1,322

Subaru features that impact insurance costs

Subarus typically come equipped with extensive safety features. Several of the most common Subaru safety features that may affect your insurance rates include:

  • Blind-spot detection: Blind spot detection can help decrease accidents during lane changes by 14%, according to the IIHS.
  • Rear-vision camera: Rear cameras help mitigate reverse auto accidents by nearly 80% when paired with automatic braking, according to CBS News.
  • Reverse automatic braking: When operating the vehicle in reverse, Subarus can brake automatically to prevent a collision.
  • STARLINK safety and security: STARLINK alerts an operator if the driver is involved in a collision. This feature can also connect drivers to roadside assistance with the push of a button.
  • DriverFocus: DriverFocus alerts the driver if they’re exhibiting drowsy or distracted behavior.
  • Pre-collision braking: This feature detects potential collisions before they happen and can brake automatically.
  • EyeSight\: Subaru’s proprietary EyeSight technology monitors traffic and notifies you when your vehicle is outside its lane. Eyesight features pre-collision braking that kicks in automatically to prevent an accident, as well as throttle control and automatic steering.

Other car insurance coverage for a Subaru

Almost every state maintains minimum coverage requirements that dictate the minimum amount of car insurance that is acceptable to have. While minimum coverage is typically cheaper than full coverage Subaru insurance, most insurance experts recommend purchasing full coverage.

If you are involved in an accident and the damages and medical bill exceed your coverage limits, you’ll have to pay the additional costs out of pocket, which may leave you financially vulnerable.

You may also want to consider purchasing gap coverage. Gap car insurance for Subaru drivers may be required if you lease or finance your vehicle. If your Subaru isn’t yet paid off and you are involved in a collision, your lender will likely want to make sure that funds are available to repair or replace the vehicle.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Subaru of the following model types, commute five days a week and drive 12,000 miles annually:

  • Subaru BRZ Limited
  • Subaru Forester
  • Subaru WRX

These are sample rates and should only be used for comparative purposes.

Written by
Lizzie Nealon
Insurance Writer
Lizzie Nealon is a former insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Editor