Alyssa Lane
Subaru vehicles are generally considered to be less expensive to insure than luxury or sports car brands. However, insurance rates can vary depending on the specific model, age, and the driver's personal characteristics and driving history. The Subaru BRZ, a high-performance sports car, is the most expensive Subaru model to insure, while the Subaru Forester, Outback, and Impreza are considered inexpensive to insure. On average, it costs $1,284 per year to insure a Subaru, but rates can differ significantly between providers for the same coverage.
| Characteristics | Values |
|---|---|
| Safety | Subaru vehicles are often equipped with good safety features and anti-theft devices, making them less likely to be in an accident or stolen. |
| Insurance Cost | The average cost to insure a Subaru is $1,728 per year, which is almost $200 less than the national average. However, insurance costs vary depending on the model. The Subaru BRZ is the most expensive model to insure, costing around $1,495 per year, while the Subaru Forester is the cheapest at about $1,064 per year. |
| Insurance Providers | State Farm, Allstate, and USAA are recommended insurance providers for Subaru vehicles. |
| Insurance Factors | Insurance rates can depend on various factors, including the driver's age, location, driving record, vehicle model, and coverage type. |
Explore related products
What You'll Learn
Safety features and anti-theft devices
Safety is a priority in the design of Subaru vehicles. The company's Ring-Shaped Reinforcement Frame forms a "cage" around the cabin, bolstered by a pillar and frame. In the event of a high-impact crash, this frame is designed to absorb and evenly distribute the shock, regardless of the angle at which the vehicle is struck. This is combined with a strong side door beam, which offers additional protection in the event of a T-bone or side collision. Cabin components are made from shock-absorbing materials to reduce the likelihood of harm to drivers or passengers in the event of a crash. The engine is placed horizontally and positioned to better absorb impact. In the event of a front-end collision, the engine can slip beneath the floor, preventing it from breaking through the cabin and injuring passengers.
Subarus are also equipped with radar sensors that provide an enhanced all-around awareness when drivers are backing up. These sensors can detect oncoming traffic from either side when reversing. The Rear Cross-Traffic Alert functionality offers visual and auditory indicators to notify drivers of approaching cars. For added protection, Subaru vehicles equipped with Reverse Automatic Braking can stop themselves automatically if they detect an imminent collision.
The SUBARU STARLINK® Safety and Security system can connect drivers to essential and emergency services. The compatible MySubaru smartphone app allows drivers to operate STARLINK features to amplify control, comfort, convenience, and security systems.
Subaru's EyeSight is an advanced driver-assist technology system with lane-keeping assist, smart braking, and throttle control. It has received the highest IIHS safety rating. EyeSight monitors traffic movement, optimizes cruise control, and warns drivers if they sway outside their lane. It can also automatically maintain a safe distance from the car in front and help the driver stay centred in their lane.
Hired and Non-Owned Auto Insurance: How Much Coverage?
You may want to see also
Explore related products
Driving history and age
The cost of insuring a Subaru is influenced by several factors, including the driver's age and driving history.
Age
The cost of car insurance is influenced by the age of the driver. Younger drivers, especially teens, are considered high-risk due to their likelihood of being at fault in an accident and engaging in reckless behaviour behind the wheel. As a result, insurance premiums for younger drivers are significantly higher. Insurance costs begin to decrease around the age of 25 and continue to do so until the age of 60, after which they rise modestly.
Driving History
A driver's history is another critical factor in determining insurance rates. A record of traffic violations, at-fault accidents, or DUI convictions can result in higher insurance premiums. Conversely, maintaining a good driving record and taking a defensive driving course can help reduce insurance rates. Additionally, advanced safety features in the vehicle, such as automatic emergency braking, a backup camera, and blind-spot detection, can contribute to lower insurance costs.
It is worth noting that insurance rates for Subarus are generally considered affordable due to their good safety ratings, low theft rates, and affordable vehicle costs. However, specific models, such as the Subaru BRZ, a high-performance sports car, may be more expensive to insure.
Colorado's Top Auto Insurance Companies: Best 10 Rated
You may want to see also
Explore related products
Location and insurance provider
The insurance rates for a Subaru vehicle depend on several factors, including the model and age of the car, your location, your driving record, and the insurance provider.
Insurance rates for Subarus vary depending on the state or region. For example, rates are higher in Michigan due to the mandated higher coverage levels. On the other hand, California, Hawaii, and Massachusetts do not allow providers to adjust rates based on credit history.
The insurance provider you choose can also significantly impact your rates. Some providers known for offering competitive rates for Subarus include:
- USAA: Offers some of the lowest rates, especially for military members and their families.
- State Farm: Provides low rates and high customer satisfaction, with great bundling options for home and auto insurance.
- Allstate: Offers discounts for new Subarus and additional discounts for safety features.
- GEICO: Provides competitive rates, especially for the Subaru BRZ and WRX models.
- Direct Auto: Suitable for high-risk Subaru drivers, offering an array of discounts.
- Vermont Mutual: Available in some northeastern states and known for low insurance costs for Subaru drivers.
- Allied: One of the lowest insurance costs for Subaru drivers.
- Nationwide: Offers low insurance costs for Subaru owners.
Auto Insurance Premiums: The Payoff Puzzle
You may want to see also
Explore related products
Vehicle model and make
The make and model of a vehicle are key factors in determining insurance rates. While Subarus are generally considered inexpensive to insure compared to other car brands, there are various models available, and the cost of insurance depends more on the car's model than its maker.
The Subaru BRZ, a high-performance sports car, is the most expensive Subaru model to insure. This is likely due to sports cars being considered riskier, with a higher likelihood of theft. The BRZ costs around $1,495 per year to insure, with the most expensive policy provided by Allied at roughly $1,995 a year.
The Subaru Forester is the cheapest model to insure, costing around $1,064 annually. The Outback and Impreza are also considered inexpensive to insure, with the average cost to insure a recent model Subaru Outback being $1,488 per year, or $124 monthly. The WRX has a moderate insurance cost, with an average cost of $1,442 per year across all model years.
Other factors that influence insurance rates for Subarus include the age of the vehicle, the driver's age and driving record, location, and the type of coverage. It is recommended to have collision and comprehensive coverage to protect your Subaru in case of an accident, theft, or other damages.
Creating Fake Auto Insurance Cards
You may want to see also
Explore related products
Insurance coverage
Subarus are generally considered to be inexpensive to insure compared to other car brands, with an average insurance cost of $1,284 per year, which is almost $200 less than the national average. However, insurance rates can vary significantly depending on the specific model. For example, the Subaru BRZ, a high-performance sports car, is the most expensive Subaru model to insure, with an average annual cost of around $1,495. On the other hand, the Subaru Forester, an SUV, is the cheapest model to insure, with an average annual cost of around $1,064. The Outback and Impreza are also considered inexpensive to insure, while the WRX has moderate insurance costs.
The cost of insurance for a Subaru can also depend on the driver's characteristics and location. For example, younger drivers under 25 are likely to have higher insurance costs, but companies like State Farm offer discounts for young drivers who maintain a good driving record and good grades. Additionally, insurance rates can vary by state, with some states mandating higher coverage levels, which can increase the cost of insurance.
When insuring a Subaru, it is recommended to have at least liability coverage, as required by most states. Collision and comprehensive coverage are also recommended to protect against accidents, theft, or other damages. It is important to shop around and compare quotes from multiple insurance companies to find the best rates and coverage options for your specific Subaru model and personal circumstances.
The Impact of COVID-19: Auto and Home Insurance Trends and Shifts
You may want to see also
Frequently asked questions
Generally, it is inexpensive to insure a Subaru. However, insurance rates depend on various factors, including the driver's age, location, vehicle type, driving record, and the model of the car. The Subaru BRZ, a high-performance sports car, is the most expensive Subaru model to insure, while the Subaru Forester is the cheapest.
The insurance cost of a Subaru depends on the driver's age, location, vehicle type, driving record, and the model of the car. For example, the Subaru BRZ is more expensive to insure than the Subaru Forester. Additionally, insurance rates may vary between providers for the same coverage, so it is essential to compare quotes from different insurance companies.
State Farm, Allstate, and USAA are recommended insurance companies for Subaru owners. State Farm offers low rates, high customer satisfaction, and great bundling options. Allstate provides discounts for new Subarus and additional safety features. USAA offers low rates and military-specific discounts for military members and veterans.
![BIBIBO for 2025 Subaru Forester Screen Protector Matte 2025 2026 Subaru Forester(Premium/Sport/Limited/Touring)/2026 Forester Wilderness 11.6" Touchscreen [Tempered Glass Anti-Glare &Scratch Lessen Fingerprints]Forester 2025 2026](https://m.media-amazon.com/images/I/71rFO1mqu1L._AC_UL320_.jpg)
![For 2020~2025 Subaru Outback& Legacy 11.6 Inch Matte Screen Protector - [No More Glare] - Mil-Grade 9H+ Tempered Glass - Touchscreen *1](https://m.media-amazon.com/images/I/71na6RnpVFL._AC_UL320_.jpg)
