Jerry Summary

Subaru car insurance costs $260 per month, on average, according to a September 2025 analysis of full coverage auto insurance quotes for Jerry customers. Aspire Advantage offers the cheapest coverage at $166 per month for full coverage. But the model and trim level you choose will greatly influence how much you pay. Save by comparing quotes from multiple insurers, bundling policies and asking for discounts.

Subaru auto insurance costs can vary widely. Here are average costs for a variety of models, the cheapest and best insurers, plus how to shop for Subaru car insurance.

Average Subaru car insurance costs

The average cost of full coverage Subaru car insurance is $260 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $119 per month.

Subaru car insurance rates vary depending on the model, its age, your driving record and personal factors like your age and location. Typically, higher-priced vehicles cost more to insure, though that’s not always true. That’s why it’s a good idea to compare car insurance quotes from several insurers when considering a Subaru.

Below, you’ll find average full coverage insurance costs for different Subaru models, according to Jerry’s analysis.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Average cost of Subaru car insurance, by state

Every state has its own insurance laws and risk factors — including weather events, uninsured drivers and population density — which is why premiums for Subaru vehicles differ across the country.

For example, Subaru auto insurance in California costs an average of $270 per month for full coverage. In Florida, the monthly average is $282.

Below are the average full coverage costs for Subaru insurance by state.

Factors that affect Subaru car insurance costs

Here are some of the factors that affect your Subaru insurance premium.

• Personal factors: Your age, driving record, insurance history and level of coverage all influence your premiums.
• Safety features: Subaru’s corporate philosophy involves focusing on safety, with an aim of reducing fatal accidents to zero by 2030 and pioneering driver assisting tools such as EyeSight — the first-ever driver aid that solely relies on stereo cameras. However, older Subarus may not have the safety features of newer Subarus as EyeSight only debuted in the 2013 model year Legacy and Outback cars.
• Vehicle cost: A more complicated and expensive car typically costs more to repair or replace than a simpler, older car. Even the base model Subaru Impreza comes with all-wheel drive and a unique boxer engine, meaning it may cost more to insure than vehicles with simpler designs such as the Toyota Corolla and Honda Accord.
• Safety ratings: The IIHS listed four Subarus as winners on its 2024 Top Safety Pick list. Winners included the Ascent, Impreza, Solterra and Outback. A safer car generally means lower insurance rates.
• Engine size: Bigger or turbocharged engines capable of greater horsepower are considered riskier to insure.

Best Subaru car insurance

To find the best car insurance companies, Jerry’s editorial team conducts yearly evaluations using metrics like complaint frequency and a carrier’s financial strength.

Here are our recommended companies for 2025.

While these companies are good for a lot of drivers, only some are available in every state. Additionally, some companies have better service records in certain states. To see the best car insurance companies in your state, click below.

Cheapest Subaru car insurance

Full coverage

Aspire Advantage offers the cheapest full coverage car insurance for Subaru, with an average rate of $166 per month.

Below are the cheapest insurance companies for Subaru for full coverage, according to Jerry’s data analysis.

Learn more: What does full coverage car insurance cover?

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Minimum coverage

Mercury offers the cheapest minimum coverage auto insurance for Subaru, with an average rate of $42 per month.

Below are the cheapest insurers for Subaru for minimum coverage, according to Jerry’s data analysis.

By state

Subaru insurance prices change from state to state due to different regulations. Click below to find the lowest-cost insurers where you live.

Subaru Crosstrek auto insurance costs

The average car insurance cost for a Subaru Crosstrek is $258 per month, according to Jerry’s data analysis of full coverage quotes.

Here are Crosstrek auto insurance rates from Jerry customers with full coverage policies.

Subaru Forester auto insurance costs

The average car insurance cost for a Subaru Forester is $231 per month, according to an analysis of full coverage quotes to real Jerry customers.

Here are Forester auto insurance rates from Jerry customers with full coverage policies.

Subaru Impreza auto insurance costs

The average car insurance cost for a Subaru Impreza is $267 per month, according to Jerry’s full coverage quote data.

Here are Impreza auto insurance rates from Jerry customers with full coverage policies.

Subaru Outback auto insurance costs

The average car insurance cost for a Subaru Outback is $221 per month, according to Jerry’s analysis of full coverage quotes.

Here are Outback auto insurance rates from Jerry customers with full coverage policies.

Subaru car insurance shopping tips

Here are several ways you can lower the cost of your Subaru car insurance.

• Avoid buying higher trim tiers: More expensive configurations are likely to cost more to insure. For example, the high-performance Impreza WRX, luxury-tier Outback Touring and off-road Crosstrek Wilderness cost more than lower trim levels, according to Jerry’s Subaru data.
• Rate shop: Despite Subarus winning awards for safety, it’s still a good idea to shop around to get the cheapest quote.
• Available discounts: You may qualify for a bundling, homeowner or good student discount. Ask your insurer.
• Telematics: Letting your insurer track your driving may result in lower premiums for safe drivers.
• Increase deductibles: The deductible is the amount of money you pay before your insurer will pay on a claim. Raising it will lower your premium costs, but you must be able to pay the deductible on short notice.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.