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 $1,380 a year for a Subaru Crosstrek up to $2,186 per year for the Subaru BRZ. Average monthly car insurance cost ranges from $115 to $182 for full coverage.
The average Subaru insurance rate is $1,661 per year, which is 4% less than the national average car insurance cost of $1,728. Models with insurance cost more in the midrange are the popular Subaru Forester, Subaru Outback, and Subaru Legacy models. Annual insurance cost for those three models is $1,526, $1,558, and $1,668, 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 Cost||Monthly Cost|
|Subaru Tribeca 2014 and prior model years||$1,234||$103|
|Subaru XV Crosstrek 2015 and prior model years||$1,206||$101|
Is Subaru car insurance expensive?
Compared to other Japanese automakers, average Subaru insurance cost is 0.3% more expensive per year than Honda, 1.4% more expensive than Mazda, 6.6% cheaper than Nissan, and 9.7% cheaper than Toyota.
When compared to South Korean brands Hyundai and Kia, average Subaru insurance rates are 6.2% cheaper than Hyundai, and 5.7% 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 $1,661 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|
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 2023 models, the cheapest car insurance is on the Subaru Crosstrek, which is a small SUV costing $1,380 per year to insure, or around $115 per month. The Subaru Ascent ranks second at $1,472 per year.
The Subaru Impreza, Subaru Forester, and Subaru Outback 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 2023 Subaru vehicles to insure
- Subaru Crosstrek – (small SUV) Average annual insurance rate of $1,380 ($115 per month)
- Subaru Ascent – (midsize SUV) Average annual insurance rate of $1,472 ($123 per month)
- Subaru Impreza – (small car) Average annual insurance rate of $1,498 ($125 per month)
- Subaru Forester – (small SUV) Average annual insurance rate of $1,526 ($127 per month)
- Subaru Outback – (midsize SUV) Average annual insurance rate of $1,558 ($130 per month)