Best Subaru Car Insurance Quotes (2025)

The best Subaru car insurance quotes will vary in cost depending on what model you own. However, rates for the best car insurance shouldn’t be terribly expensive unless you are a high-risk driver or live in a high-risk area. Even then, there are ways to reduce your Subaru car insurance rates, such as applying for car insurance discounts.

Our guide goes over everything related to getting the best Subaru car insurance quotes, from what car insurance coverages you’ll need to how to save on your policy.

Understanding Subaru Car Insurance Coverage Options

With so many car insurance options available, some drivers may wonder what they do and don’t need to carry on their Subaru. Drivers with a lease or loan on their Subaru will have to carry collision and comprehensive insurance, which are optional for other drivers.

Both these coverages form full coverage car insurance policies that protect the lender’s assets in different accident situations. For example, your Subaru’s repairs will be covered by collision insurance if you crash into another car or objects like fences. Comprehensive insurance will cover your Subaru’s repairs if you crash into an animal or weather, vandalism, and falling objects damage your Subaru.

Drivers without a lease or loan on their Subaru will only be required to carry what their state mandates. This is general liability insurance, at the very least, while other states will also require a type of medical insurance and uninsured or underinsured motorist insurance. Below, you can see what each of these insurance types covers on your Subaru.

• Liability insurance pays other parties’ repair bills and medical bills if you cause a crash.
• Medical payments car insurance will help pay the medical bills of you and your passengers if you are injured in an accident.
• Personal injury protection car insurance will help pay the medical bills and related costs for you and your passengers if you are injured in an accident.
• Underinsured motorist insurance helps pay for your Subaru’s repairs if you are hit by a driver with poor insurance coverage.
• Uninsured motorist coverage help pay for your Subaru’s repairs if you are hit by a driver without insurance coverage.

All other coverages will be up to you whether you want to carry them on your Subaru. You don’t have to carry extra coverages like rental car reimbursement in order to drive legally — these coverages are completely optional.

Average Subaru Car Insurance Rates

Now that we’ve established what coverages are necessary to carry on your Subaru, let’s look at how much you’ll pay on average. The rates below are the average cost for full coverage on Subarus. While liability-only insurance policies will be the cheapest, remember that your Subaru’s repairs won’t be covered in the vast majority of accidents.

Average Monthly Full Coverage Car Insurance Rates for Subaru Vehicles by Model

A Subaru Impreza insurance rates are slightly more expensive on average to purchase (read how much are Subaru Impreza insurance rates for more detail on this model). However, the average difference between Subaru Impreza insurance and Subaru Crosstrek insurance rates, which is the cheapest model to insure, is only about $10 per month for a full coverage policy. This is a very slight difference, so you won’t see a wide range of price differences between Subaru models.

However, you will see larger price differences when looking at Subaru rates based on age and driving record.

Average Monthly Full Coverage Auto Insurance Rates by Age and Gender

Young drivers and drivers with poor driving records will have to put more work into finding a car insurance company that charges reasonable rates. Working on keeping a clean driving record will also reduce Subaru car insurance rates over time, making it easier to find affordable car insurance rates.

Saving on Subaru Car Insurance Quotes

If your car insurance rates for your Subaru are higher than you would like, there are a few things to try that will help you get cheap Subaru car insurance. Our top tips for saving on Subaru car insurance are listed below.

• Get quotes and compare rates. This is the best way to ensure you are always getting the best rate on your Subaru, especially if you’ve recently had changes to your policy, like a change in address or adding a young driver.
• Maintain a clean driving record. Having a driving record free of at-fault accidents, DUIs, and traffic tickets will keep your Subaru auto insurance rates low.
• Raise your car insurance deductible. While raising car insurance deductibles will lower the cost of Subaru insurance, remember that you are paying a higher amount out of pocket, so don’t raise it too high.
• Take advantage of car insurance discounts. Ensure you apply for all the available car insurance discounts at your car insurance company.

By following the tips above, you will likely be able to reduce your Subaru insurance rates, even if it is only a slight reduction. In addition, make sure to check if there are discounts for bundling insurance policies if your car insurance company sells more than one type of insurance. Purchasing a second type of insurance from a company, such as home insurance, can result in a large discount.

The Final Word on the Best Subaru Car Insurance Quotes

Most Subarus don’t have expensive average rates for car insurance, although there are a number of other factors besides what model you own that will affect your Subaru quotes for insurance. If you find your car insurance rates are too high, make sure you are working on lowering your car insurance rates.

Because one of the best ways to find cheaper car insurance rates is to shop around for quotes, you can use our quote comparison tool to shop around and find the best insurance for Subarus. It will help you find the best Subaru car insurance quotes from insurance companies in your area.