Car insurance for Subarus in 2022

Subaru has a reputation for manufacturing reliable and high-quality vehicles, especially if you are looking for a car with a capable all-wheel-drive system. If you are thinking about purchasing a Subaru, you might be wondering about the cost of car insurance. The 2021 national average cost of full coverage car insurance is $1,674 per year, but your insurance rates will vary based on individual characteristics, including the Subaru model that you drive. Bankrate pulled average rate data for some of Subaru’s most popular models to help you better understand how much your car insurance policy might cost.

Models included in this review:

• Subaru BRZ Limited
• Subaru Forester
• Subaru WRX

How much does it cost to insure a Subaru?

The 2021 national average cost of full coverage car insurance is $1,674 per year according to data from Quadrant Information Services. 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 generally 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.

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.

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.

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

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

In most states, a minimum coverage car insurance policy is a legal requirement, no matter what type of car you drive. Minimum coverage policies tend to be the cheapest option in every state, but they provide limited coverage. It’s recommended for most drivers to purchase higher coverage limits than what’s required to offer sufficient financial protection.

As a Subaru owner, getting a full coverage car insurance policy may be valuable. In addition to liability insurance, it also includes physical damage coverage, which adds both collision and comprehensive insurance. For instance, if you get into an accident, your car gets stolen or a tree falls on your vehicle, a full coverage policy would pay for the covered damages.

In addition, there are a variety of car insurance endorsements, or policy add-ons, that can be useful if you own a Subaru. For example, accident forgiveness would waive your first at-fault accident to prevent your premium from increasing. If you have custom parts installed in your Subaru, like an aftermarket sound system, custom parts and equipment coverage might come in handy. Other car insurance endorsements to consider include new car replacement coverage and gap insurance (if you lease or finance your new Subaru), which can also help you save money.

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.