Best Subaru Car Insurance Rates in 2024 (Your Guide to the Top 10 Companies)

The best Subaru car insurance rates come from State Farm, USAA, and Geico, especially because Subarus are usually eligible for special safety car insurance discounts.

State Farm is our top pick for the cheapest car insurance company offering Subaru coverage.

Our Top 10 Company Picks: Best Subaru Car Insurance Rates

State Farm may not always have the lowest car insurance rates, but its add-ons and excellent service make the slightly higher rates worth it.

Explore your options for Subaru car insurance below, including where to find the lowest rates and best discounts. Then, enter your ZIP code into our free comparison tool to find the best Subaru auto insurance for your needs today.

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#1 – State Farm: Top Pick Overall

Pros

• Customizable Policies: State Farm offers tailored coverage options to meet the specific needs of Subaru owners.
• Safety Feature Discounts: Earn cheap Subaru insurance for the safety features in your car, like being equipped with advanced safety features like EyeSight Driver Assist Technology.
• Extensive Network of Local Agents: State Farm maintains a wide network of local agents who are ready to help with any insurance problems.

Cons

• High Rates: Although you can find affordable average insurance costs for Subaru Outbacks and other models at State Farm, drivers with low credit scores might find cheaper coverage elsewhere.
• Strict Underwriting: State Farm has a stringent approval process for certain coverages. Learn more about State Farm restrictions in our State Farm car insurance review.

#2 – USAA: Best for Active and Retired Military Members

Pros

• Competitive Rates: USAA is generally the cheapest option for insurance for military members and their families, no matter what type of driver they are.
• Excellent Customer Service: High ratings for customer support and claims handling help set USAA apart as an excellent insurance for Subarus option.
• Comprehensive Coverage Options: USAA offers valuable options for increasing the coverage in your policy, like roadside assistance and rental car reimbursement.

Cons

• Eligibility Restrictions: USAA is only available to active or retired military members and their families. Learn more about eligibility requirements in our USAA car insurance review.
• Higher Rates for Young Drivers: Although it’s usually affordable, USAA’s premiums can be higher for younger Subaru owners before discounts.

#3 – Geico: Best for Affordable Subaru Coverage

Pros

• Affordable Rates: Find affordable Subaru Impreza insurance and coverage for other models with Geico’s lower premiums. See how Geico keeps rates low in our Geico car insurance review.
• Multi-Policy Discounts: Geico offers 16 discounts, including savings for bundling home and auto insurance policies.
• Strong Digital Presence: Geico has a user-friendly website and mobile app for easy policy management.

Cons

• Limited Local Agents: Geico primarily offers online services, with fewer local agents available.
• Customer Service Variability: Although it offers affordable insurance for Subaru Crosstreks and other models, Geico has mixed reviews on customer service and claims handling.

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#4 – Progressive: Best for Innovative Digital Tools

Pros

• Snapshot Program: Snapshot is Progressive’s usage-based insurance (UBI) program that offers potential savings of up to 30% based on your safe driving habits.
• Excellent Coverage Options: Progressive offers flexible policies that include comprehensive and collision coverage. Explore your Progressive insurance options in our Progressive car insurance review.
• Low Rates: Find low Subaru Forester insurance costs and affordable coverage for other models with Progressive’s low rates.

Cons

• Price Variability: Progressive often offers cheap Subaru Forester insurance rates and low costs for other models, but some drivers will see higher premiums.
• Mixed Customer Service Reviews: Progressive struggles with customer loyalty ratings, with many reports of dissatisfaction with the claims handling.

#5 – Allstate: Best for Full Coverage Policies

Pros

• Comprehensive Coverage: Choose from a broad range of Allstate options, including accident forgiveness and new car replacement.
• Discount Opportunities: Allstate offers a variety of discounts to lower your Subaru auto insurance rates, such as safe driver, new car, and bundling policies.
• Huge Local Agent Network: You’ll gain access to a large network of Allstate agents for personalized assistance whenever you need it. Learn how Allstate agents can help you in our Allstate car insurance review.

Cons

• Higher Rates: Allstate offers some of the best insurance for Subarus, but it comes at a cost. Allstate is usually one of the most expensive insurance options.
• Mixed Reviews: Allstate’s customer service and claims handling experiences can vary.

#6 – Liberty Mutual: Best for Diverse Coverage Options

Pros

• Flexible Policies: Take advantage of Liberty Mutual’s customizable coverage options, including roadside assistance and OEM parts coverage.
• Solid Discounts: Liberty Mutual has 17 ways to lower car insurance for Subarus, including multi-policy and safe driver savings.
• Accident Forgiveness: Liberty Mutual forgives your first at-fault accident and doesn’t increase your rates when you sign up for accident forgiveness.

Cons

• Customer Service: Many customers leave negative reviews on Liberty Mutual’s service quality and responsiveness.
• Local Agents Lacking: Liberty Mutual has fewer local agents for personalized service in some regions. See how Liberty Mutual handles customer service in our Liberty Mutual car insurance review.

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#7 – Nationwide: Best for UBI Savings

Pros

• Valuable Selection of Add-Ons: Nationwide has a broad range of options, including accident forgiveness and the vanishing deductible program.
• SmartRide Program: Save up to 40% with SmartRide, Nationwide’s UBI program. See other Nationwide car insurance discounts to see how you can save on our insurance for Subarus.
• Savings Opportunities: If you’re not interested in your driving being tracked, you can take advantage of Nationwide’s various discounts instead.

Cons

• Unexpected Premium Increases: Many customers report unexpected rate hikes from Nationwide, even when nothing had changed about their situations.
• Limited Physical Locations: Some areas don’t have brick-and-mortar Nationwide offices, which can make it harder to find in-person help.

#8 – Farmers: Best Selection of Auto Insurance Discounts

Pros

• Policy Customization: Get flexible insurance options to tailor your Farmers coverage for Subaru owners.
• Tons of Discounts: Farmers has one of the longest lists of discounts on the market, with 23 options to save. Get the best car insurance for Subarus with discounts for having advanced safety and anti-theft features.
• Local Agent Support: Farmers has agents in most cities and towns, which means you’ll have access to local support.

Cons

• Higher Base Rates: Farmers has higher initial before discounts apply. See Subaru BRZ insurance costs and rates for other models in our Farmers car insurance review.
• Claims Handling: With reports of slower claims processing times, not everyone is satisfied with their Farmers’ policies.

#9 – American Family: Best for Claims Service

Pros

• Tailored Coverage Options: American Family offers a variety of ways to tailor policies for the best Subaru coverage.
• Excellent Discount Options: Take advantage of American Family’s 18 discounts to save on insurance for Subarua, including savings like good driver and multi-policy discounts.
• High Claims Ratings: American Family consistently gets excellent reviews for its claims service. See why so many drivers love the claims process in our American Family car insurance review.

Cons

• Higher Base Premiums: Although American Family sometimes has affordable options like low BRZ insurance costs, some drivers see much higher initial rates before discounts.
• Limited Availability: American Family sells insurance in just 19 states.

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#10 – Travelers: Best for Customer Service

Pros

• Customizable Coverage: Travelers gives you the ability to tailor policies so you can include comprehensive, collision, and other types of coverage.
• Generous Discounts: There are 15 discounts to save when you shop at Travelers, including multi-policy and safe driver discounts.
• Good Customer Service: Travelers generally has a positive reputation for customer support and claims handling. See what customers have to say about it in our Travelers car insurance review.

Cons

• Rates Vary: Travelers rates fluctuate based on individual driving patterns and coverage adjustments.
• Fewer Local Agents: Travelers doesn’t have the large network of local agents that some of its competitors have.

Subaru Car Insurance Costs

While Subarus generally come with affordable insurance rates, some models cost more to insure than others. For example, Subaru Outbacks are cheaper to insure, while Subaru WRX insurance rates can be higher.

The average Subaru driver pays about $136 a month for car insurance. To see how much you might pay for insurance for your Subaru insurance from our top companies, check the rates below:

Subaru Car Insurance Monthly Rates by Coverage Level & Provider

Despite having a wide range of models, most Subaru insurance rates stay around $136 a month. You’ll probably see affordable Subaru insurance quotes no matter which Subaru you buy. However, you can compare Subaru insurance rates by model to find cheap car insurance rates.

Understanding what insurance companies look at when determining your rates is important. You can use individual quote request forms like the one pictured above to find rates. Alternatively, you can use a comparison tool to get multiple quotes at once.

Factors Affecting Subaru Car Insurance Rates

When you want to buy car insurance for a Subaru, you should know that various factors affect your car insurance rates. Each company has a unique formula to determine rates, so comparing rates before buying coverage is important. The following factors will affect your car insurance rates:

• Age and Gender: Men and young drivers pay more for car insurance because they’re more likely to drive recklessly, get into accidents, or file other claims. So, when shopping for Subaru car insurance coverage options, compare car insurance rates by age and gender.
• Your Car: Your vehicle’s age, model, and title history impact your rates. For example, most Subaru models have affordable costs because they have solid safety ratings.
• Location: Companies carefully track who files claims so they know the volume of claims by location. You can see different rates by moving even a single ZIP code.
• Driving History: Since car insurance companies check driving records, your rates can skyrocket after getting a traffic citation, especially for serious ones like DUIs. If you have too many incidents, you might need high-risk car insurance.
• Marital Status: Married people pay less for car insurance because they file fewer claims than single, divorced, or widowed people. Find out the cost of married car insurance vs. single car insurance.
• Credit Score: Most states allow insurance companies to use your credit score as part of the reasoning behind your rates. You’ll pay less for insurance if you have a higher credit score.

The amount of insurance you need for your car also affects your rates. If you have a newer Subaru, consider full coverage car insurance. It costs more than minimum insurance, but it offers much better protection.

Analyze Subaru Car Insurance Rates Across Models

Explore Subaru car insurance costs by vehicle model, including the Crosstrek, Impreza, Forester, and Outback. Gain insights into the varying insurance costs for different Subaru vehicles to make informed decisions tailored to your needs.

Subaru Car Insurance Monthly Rates by Coverage Type & Model

Keep in mind that the trim level of your car will also influence how much you pay. The difference between limited and premium Subaru trims can lead to much different insurance rates.

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Subaru Car Insurance Coverage Options

The type of insurance you should buy depends on your car. A brand-new Subaru should be covered by full coverage, especially if you have a loan or lease.

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As a reliable brand, Subarus can stay on the road for years. Once your car is worth less than a few thousand dollars, it might be worth buying minimum insurance instead.

Before you make your choice, you should understand the following types of insurance:

• Liability: Most states require liability auto insurance before you can drive because it ensures you can pay for damages or injuries you cause in an accident.
• Collision: Liability insurance doesn’t pay for your car repairs after an at-fault accident. You need collision coverage on car insurance if you want help with your repair bills.
• Uninsured/Underinsured Motorist: While most states require insurance, not all drivers buy it. If a driver without enough coverage hits you, uninsured motorist coverage pays for your repairs and medical bills.
• Medical Payments/Personal Injury Protection: Medical payments and personal injury protection insurance pay for your health care costs after an accident. Depending on the plan you buy, it might cover your passengers too.
• Comprehensive: If your car gets damaged by fires, floods, hail, animals, thieves, or vandals, comprehensive car insurance picks up the bill.
• Gap Insurance: Subaru gap insurance pays the difference between your Subaru loan balance and its market value if it gets totaled. Your lender will likely require Subaru gap insurance if you buy a brand-new Subaru.

Full coverage includes everything listed above, costing much more than minimum insurance. Minimum insurance requirements vary by state but usually include liability coverage. Many states also include uninsured motorist or personal injury protection insurance.

Tips to Save on Subaru Car Insurance

Subarus already have relatively affordable rates due to their excellent safety and reliability ratings. However, there are more ways to save on your Subaru car insurance. To get more affordable Subaru car insurance, use the following techniques:

• Be a Safe Driver: One of the most impactful factors on your rates is your driving record. You can keep your rates low simply by avoiding getting a traffic violation. Learn how traffic infractions affect car insurance.
• Keep Your Car Safe: Most new Subarus have high-tech safety features, such as lane departure warnings and emergency braking. Safety features car insurance discounts can lower your Subaru car insurance rates. You’ll also get cheaper car insurance for parking in a safe spot every night.
• Increase Your Deductible: Increasing your deductible means you’ll have to pay more out-of-pocket when you file a claim, but it will decrease your monthly rates. Here’s how to find your car insurance deductible.
• Look for Discounts: Finding Subaru car insurance discounts is crucial in searching for car insurance. Popular discounts for Subaru owners include savings for bundling policies, maintaining a high GPA, and taking a driver’s education course.
• Lower Your Coverage: Older Subarus probably don’t need as much coverage as newer ones, so you can drop some Subaru car insurance coverage options as your car ages. You should also be cautious about add-ons, which can significantly increase your rates. Find out how much car insurance you need.
• Buy a Cheap Subaru to Insure: Some Subarus are cheaper to insure than others, so compare Subaru insurance rates by model. For example, finding cheap car insurance for a Subaru Impreza might be challenging since rates average $143 monthly. Conversely, Subaru Crosstrek insurance costs $132.

Finding discounts is an excellent way to save on your car insurance. Most companies offer a variety of discounts to help drivers save. check some of the best Subaru discount options from our top companies below.

No matter what methods you use to save on car insurance, the most important is that you compare rates with multiple companies. If you don’t see what’s out there for your unique situation, you’ll likely overpay for your coverage.

Find the Best Subaru Car Insurance Today

Whether you want a hatchback to adventure in or the sporty ride of a WRX, Subarus are safe cars you can rely on. With affordable price tags and safety features insurance companies love, buying a Subaru usually means you’ll see low coverage rates.

While it’s usually affordable to insure a Subaru, always compare quotes, the best types of car insurance for your vehicle, and Subaru insurance discounts from various companies. Once you have an idea of what you need, enter your ZIP code into our free comparison tool below to see personalized quotes.

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