Subaru Suv Insurance Classification

When it comes to insurance, SUVs are generally considered to be more expensive to insure than other vehicles. However, this varies depending on the size of the SUV, with smaller, compact SUVs often being cheaper to insure than their larger counterparts. Subaru, a manufacturer known for its range of SUVs, offers models that are considered affordable to insure. The Subaru Outback, for instance, has been named the cheapest SUV to insure in 2024, with an average annual insurance cost of $1,851. The Subaru Forester, another compact SUV model, is the second cheapest to insure, at $1,887 per year. These lower insurance costs can be attributed to their smaller size, lower base prices, and good safety ratings.

The cheapest Subaru models to insure

When it comes to insuring your Subaru, the model you choose will have a big impact on the cost. Here are the cheapest Subaru models to insure, along with some additional information to help you make an informed decision.

The Subaru Outback

The Subaru Outback is a midsize SUV and is often regarded as the cheapest Subaru model to insure. With an average insurance cost of around $1,246 to $1,851 per year, it is a good option for those looking for affordable insurance rates. The Outback's MSRP is $28,895, which is lower than the average cost of a new vehicle, making it a cost-effective choice.

The Subaru Crosstrek

The Subaru Crosstrek is a compact SUV and is known for its versatility and advanced features. It is often considered one of the cheapest Subaru models to insure, with average insurance rates ranging from $1,262 to $1,516 per year. The Crosstrek's MSRP starts at $25,195, making it an affordable option for those looking for a feature-rich vehicle.

The Subaru Forester

The Subaru Forester is another compact SUV that offers a balance between capability and technology. It is frequently mentioned as one of the cheapest Subaru models to insure, with average insurance costs ranging from $1,305 to $1,887 per year. The Forester has an MSRP of $27,095, making it a good choice for those seeking a well-equipped SUV without breaking the bank.

The Subaru Ascent

The Subaru Ascent is a larger SUV, offering three rows of seating for up to eight passengers. While it may not be the absolute cheapest model to insure, it is still worth considering. The Ascent has an average insurance cost of around $1,292 per year, and its MSRP starts at $34,395.

The Subaru Impreza

The Subaru Impreza is a popular choice among Subaru models, offering a balance between performance and practicality. While it may not be the cheapest model to insure, with average insurance costs of around $1,842 per year, it is still a good option. The Impreza's MSRP starts at $18,495, making it one of the more affordable options in the Subaru lineup.

When insuring your Subaru, it is important to consider factors such as your age, driving record, location, and the specific model you choose. Additionally, advanced safety features and anti-theft devices can help lower your insurance rates. It is always a good idea to shop around and compare quotes from multiple insurance providers to find the best rates for your specific needs.

The most expensive Subaru models to insure

While Subarus are generally considered affordable to insure, some models are more expensive than others. The cost of insurance depends on various factors, including the vehicle's make, model, age, safety features, and the driver's age and history. Here is a list of the most expensive Subaru models to insure, along with some additional information:

• Subaru BRZ: The BRZ is a high-performance sports car that is typically the most expensive Subaru model to insure. Sports cars are generally more costly to insure due to their high-speed capabilities, accident-proneness, and expensive replacement parts.
• Subaru WRX: The WRX is another Subaru sports car that can be expensive to insure. While it may be more affordable than the BRZ, it still falls into the sports car category, making it pricier to insure than some other Subaru models.
• Subaru Ascent: As Subaru's largest vehicle, the Ascent is a midsize SUV with three rows of seating. Its higher price tag and potential for causing more damage in an accident can lead to higher insurance premiums.
• Subaru Impreza: The Impreza is a recent model that may be costly to insure, especially if it's a new model year or located in an area with high theft and vandalism rates.
• Subaru EVs: Electric vehicles like the Solterra often have large, expensive batteries, making them more expensive to insure. The limited availability of replacement parts for newer electric models can also drive up insurance costs.

It's important to note that insurance rates can vary based on individual factors, and it's always a good idea to shop around and compare quotes from different insurance providers to find the best rates for your specific situation.

The average cost of insurance for a Subaru

The cost of insuring a Subaru varies depending on the model and your personal circumstances.

The average cost of full-coverage car insurance for a Subaru is $1,883 per year, according to one source. Another source gives the average as $1,752 per year, or $146 per month. This is based on a married 35-year-old driver with a clean driving record and good credit score. The same source gives the average monthly cost for owners of newer Subarus as $135, or about $1,625 a year.

The Subaru Forester is the cheapest model to insure, with an average annual premium of $1,757. The Subaru Crosstrek costs $1,790 per year to insure, while the Subaru Outback costs $1,797. The Subaru Impreza costs $1,842 per year to insure, and the Subaru Ascent costs $1,904.

The cost of insurance also depends on your age. Young drivers pay much higher rates than more experienced drivers. According to one source, the average cost of insurance for an 18-year-old driver of a Subaru is $1,731 per year. Another source gives the average cost of insurance for a 16-year-old driver of a Subaru as $3,844 per year.

The cost of insurance also depends on the company providing it. State Farm is the cheapest option for many Subaru models, with USAA and Nationwide also offering competitive rates.

How to save on insurance for a Subaru

There are several ways to save on insurance for a Subaru. Here are some tips to help you get started:

• Shop around for quotes: Don't just settle for the first insurance provider you come across. Get quotes from multiple insurers and compare their rates and coverage options. This can help you find the best value for your money.
• Review your policy: Take the time to carefully review your policy to understand what you're paying for. You may be paying for certain services that you don't need, such as roadside coverage or rental reimbursement. Adjust your policy to fit your specific needs.
• Increase your deductible: The deductible is the amount you pay out of pocket before your insurance company covers any damages. By increasing your deductible, you can lower your monthly or annual payments. Just make sure you can afford to pay the higher deductible in case of an accident.
• Ask about discounts: Many insurance companies offer a variety of discounts that can help lower your premium. For example, you may be able to get a discount for having advanced safety features, being a good driver, or being a student. Ask your insurance provider about any available discounts and how to qualify for them.
• Choose the right coverage: You don't necessarily need full coverage for your Subaru. Evaluate your needs and adjust your coverage accordingly. If you have an older vehicle, you may not need comprehensive and collision coverage.
• Maintain a good driving record: Insurance companies often use your driving record to determine your rates. By maintaining a clean driving record and avoiding traffic violations and accidents, you can keep your insurance costs down.
• Compare insurance costs before buying a Subaru: If you don't already own a Subaru, consider the insurance costs when choosing your model. Some Subaru models, such as the Forester and Outback, tend to be cheaper to insure than others.
• Take advantage of Subaru-specific benefits: Subaru offers exclusive benefits to its owners, such as the Subaru Advantage Insurance plan through Liberty Mutual, which can save you money on auto insurance.
• Bundle your insurance policies: Consider bundling your Subaru insurance with other types of insurance, such as home or renters insurance. This can often lead to significant discounts.
• Choose a different insurance provider: If you feel like you're paying too much, don't be afraid to switch insurance providers. Compare rates and coverage options from different companies and choose the one that best suits your needs and budget.

The best insurance companies for a Subaru

When it comes to insuring your Subaru, there are a variety of factors that will influence the cost of your insurance premium. These include the age and model of your vehicle, your driving record, your age, and where you live.

Subarus are generally considered safe and reliable vehicles, and they are not commonly targeted by thieves. This means that they usually have relatively affordable insurance rates. The cheapest Subaru model to insure is the 2015 Subaru Outback, which costs on average $43 per month for state minimum coverage or $110 per month for full coverage. The most expensive Subaru model to insure is the 2017 Subaru BRZ, with an average monthly premium of $158 for state minimum coverage or $232 for full coverage.

• State Farm: State Farm is the most popular insurer in the U.S. and is known for its reasonable rates and strong history of customer satisfaction. They offer multiple discounts for safe driving, including one specifically for young drivers. They also have discounts for multiple cars and rental car reimbursement.
• Allstate: Allstate offers a special new-car discount, online car shopping assistance, and a solid student discount. They also provide multiple roadside assistance options and have an A+ rating for financial strength from AM Best.
• USAA: USAA is only available to active military members and their families, but it offers some of the cheapest rates for Subarus. They have strong customer service and claims processing and offer discounts for young drivers and good students.
• Liberty Mutual: Liberty Mutual offers a special insurance plan called Subaru Advantage Insurance, which includes perks such as towing to the nearest Subaru dealership and new-car replacement if your car is totalled before two years or 30,000 miles. They also have local agents throughout the U.S. and offer stand-alone GAP coverage.
• Direct Auto: Direct Auto specializes in auto insurance for high-risk drivers, such as those with a history of DUIs or who require SR-22s. They offer flexible payment options and discounts for things like being a full-time student or completing a defensive driving course.

Frequently asked questions