Next to Jeep, Subaru may have the most devoted fans of any automotive brand.
Most Subaru models have distinct off-road abilities that are not found in competing brands. Many other automakers attempt to replicate the appearance of having off-road manners simply by adding plastic fender flares or skid plates. But they’re not a Subaru.
When jetting off the pavement into the nearest mountain pass, should Subaru drivers be worried about the cost of car insurance?
We take a look at the average cost to insure each Subaru model, and also compare the overall average to most other automakers.
How much does Subaru insurance cost?
Subaru car insurance rates range from $1,730 a year for a Subaru Crosstrek up to $2,802 per year for the Subaru BRZ. Average monthly car insurance cost ranges from $144 to $234 for full coverage.
The average Subaru insurance rate is $2,229 per year, which is 0.4% more than the national average car insurance cost of $2,221. Models with insurance cost more in the midrange are the popular Subaru Impreza, Subaru Legacy, and Subaru Solterra models. Annual insurance cost for those three models is $2,154, $2,312, and $2,320, respectively.
The following table shows the average cost to insure different Subaru models, from the Ascent to the XV Crosstrek. Some models have been discontinued, and the last year of production is noted next to the model name.
| Model | Annual Premium | Cost Per Month |
|---|---|---|
| Subaru Ascent | $2,038 | $170 |
| Subaru BRZ | $2,802 | $234 |
| Subaru Crosstrek | $1,730 | $144 |
| Subaru Forester | $2,084 | $174 |
| Subaru Impreza | $2,154 | $180 |
| Subaru Legacy | $2,312 | $193 |
| Subaru Outback | $1,994 | $166 |
| Subaru Solterra | $2,320 | $193 |
| Subaru Tribeca 2014 and prior model years | $1,478 | $123 |
| Subaru WRX | $2,624 | $219 |
| Subaru XV Crosstrek 2015 and prior model years | $1,380 | $115 |
Is Subaru car insurance expensive?
Compared to other Japanese automakers, average Subaru insurance cost is 4.9% more expensive per year than Honda, 0.5% cheaper than Mazda, 8.4% cheaper than Nissan, and 7.4% cheaper than Toyota.
When compared to South Korean brands Hyundai and Kia, average Subaru insurance rates are 3.7% cheaper than Hyundai, and 1.3% cheaper than Kia.
The chart below shows Subaru insurance cost compared to its top competitors. Subaru rates are shown by the orange bar on the left and the competition bars follow alphabetically in blue.
Overall, Subaru insurance rates fall pretty much in the middle of Asian automakers. Cheaper than Hyundai, Nissan, and Toyota, but more expensive than Honda, Kia, and Mazda.
The next table includes U.S. automakers and also German and Asian luxury brands like Acura, Lexus, BMW, and Mercedes-Benz.
Average Subaru car insurance cost is shown in the first row of the table at $2,229 per year. The difference column shows how much cheaper or more expensive it is on average to insure each brand compared to Subaru.
If the difference value is red, this indicates that insurance cost for the comparison brand is more expensive than Subaru. If the value is green, insurance cost for the comparison brand is cheaper than Subaru’s average rate.
| Automotive Brand | Insurance Cost | Difference |
|---|---|---|
| Subaru | $2,229 | -- |
| Acura | $2,202 | -$27 |
| Audi | $3,025 | $796 |
| BMW | $3,070 | $841 |
| Cadillac | $2,518 | $289 |
| Chevrolet | $2,370 | $141 |
| Dodge | $2,911 | $682 |
| Ford | $2,441 | $212 |
| Genesis | $2,798 | $569 |
| GMC | $2,435 | $206 |
| Honda | $2,123 | -$106 |
| Hyundai | $2,314 | $85 |
| Infiniti | $2,456 | $227 |
| Jaguar | $2,883 | $654 |
| Jeep | $2,558 | $329 |
| Kia | $2,259 | $30 |
| Land Rover | $3,065 | $836 |
| Lexus | $2,601 | $372 |
| Lincoln | $2,587 | $358 |
| Mazda | $2,240 | $11 |
| Mercedes-Benz | $3,386 | $1,157 |
| Mitsubishi | $2,273 | $44 |
| Nissan | $2,424 | $195 |
| Tesla | $2,839 | $610 |
| Toyota | $2,400 | $171 |
| Volkswagen | $2,187 | -$42 |
| Volvo | $2,620 | $391 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Insurance cost is averaged for all models for the 2024 model year for each automobile manufacturer. Updated June 26, 2025
From the results of the table above, it’s easy to tell that the Subaru brand is pretty cheap to insure overall. This results from a combination of decent MSRPs on Subaru models, plus the advanced safety features like EyeSight and DriverFocus that Subaru is known for.
What is the cheapest Subaru insurance?
For 2024 models, the cheapest car insurance is on the Subaru Crosstrek, which is a small SUV costing $1,730 per year to insure, or around $144 per month. The Subaru Outback ranks second at $1,994 per year.
The Subaru Ascent, Subaru Forester, and Subaru Impreza round out the top five cheapest Subarus to insure. The list below details these models along with annual and monthly average insurance cost.
Top five cheapest 2024 Subaru vehicles to insure
- Subaru Crosstrek – (small SUV) Average annual insurance rate of $1,730 ($144 per month)
- Subaru Outback – (midsize SUV) Average annual insurance rate of $1,994 ($166 per month)
- Subaru Ascent – (midsize SUV) Average annual insurance rate of $2,038 ($170 per month)
- Subaru Forester – (small SUV) Average annual insurance rate of $2,084 ($174 per month)
- Subaru Impreza – (small car) Average annual insurance rate of $2,154 ($180 per month)