Over the past year, Jerry has helped 16,959 Subaru drivers find dependable coverage and meaningful savings. By analyzing real Subaru insurance policies, we know what owners are paying today and what you can expect across different coverage levels.
Competitive annual prices for Subaru drivers are currently around:
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$415 for basic coverage.
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$2,328 for standard coverage.
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$2,697 for premium coverage.
Of course, those are only benchmarks. Your actual premium will depend on factors like your model, age, driving history and ZIP code.
On average, Subaru drivers pay between $2,040 and $4,254 per year for full coverage, with an average premium around $3,526. That’s near the national cost of $4,056, reflecting Subaru’s high repair costs for advanced safety systems and AWD components.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare rates and coverage. If we find a better deal, you can switch right away, even before your renewal date. Jerry handles the cancellation and helps you get any refund you’re owed.
Fast track your Subaru insurance with Jerry.
How much does Subaru insurance cost?
Subaru insurance rates can vary, but Jerry makes it simple to see what real drivers with your model and profile are paying.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Even in the same city, Subaru drivers can pay very different rates for the same coverage. Jerry compares quotes from leading insurers to help you find protection that fits your lifestyle and your budget.
What’s the best insurance for a Subaru?
Owning a Subaru means driving something built for safety, capability and long-term reliability. Protecting it takes coverage that’s just as balanced.
If your Subaru is leased or financed, your lender will require full coverage. You may also need gap insurance, which helps pay off your loan if your car is totaled.
Jerry recommends that Subaru drivers carry at least 100/300/100 liability with collision and comprehensive coverage. While that’s higher than most state minimums, it’s smart protection for vehicles designed to handle everything from highways to mountain roads.
No matter your insurer, lender or budget, there are plenty of ways to protect your Subaru. Here are some of the most common coverage options, what they include and why Subaru drivers choose them.
Higher liability limits
Subarus are among the safest cars on the road, but at-fault accidents can still be costly. About half (51%) of Jerry Subaru drivers choose higher-than-minimum limits.
Full coverage
Comprehensive and collision coverage protect your Subaru from theft, weather and at-fault accidents. Roughly 45% of Jerry Subaru drivers carry full coverage.
OEM parts coverage
Keeps your Subaru running its best after a claim with genuine parts and factory-trained technicians. Usually available for vehicles between three and ten years old.
New car replacement
Replaces your Subaru with a new model if it’s totaled early in ownership. Especially valuable for newer models with advanced driver-assist systems.
Roadside assistance
Covers towing, jump-starts and lockouts. Subaru includes roadside assistance for up to three years, but many owners extend it for added confidence.
Rental reimbursement
Covers the cost of a rental car while your Subaru is being repaired. Most insurers offer 30 to 45 days of coverage depending on your policy and state.
Gap insurance
Covers what’s left on your loan or lease if your Subaru is totaled. About 39% of all drivers add gap coverage when financing their vehicle.
Accident forgiveness
Keeps your rate from increasing after your first at-fault accident. Without it, Subaru drivers see premiums rise by nearly 24%.
See coverage options for your Subaru.
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Coverage definitions
4 smart ways Subaru drivers can shop and lower insurance costs
Finding the right car insurance means balancing protection and price. For Subaru owners, that balance depends on your model, how often you drive and where you go, from city streets to off-road trails.
Jerry’s experts help Subaru drivers lower premiums without cutting back on the coverage their cars deserve. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 41% to 67% among Subaru drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Match your budget and policy | 15% among Subaru drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Tip 1: Compare quotes before renewing
Not every insurer prices Subaru coverage the same way. Some overestimate repair costs for AWD systems or safety tech, while others reward Subaru’s strong reliability. Comparing quotes ensures you’re not overpaying for identical coverage.
Here’s where Subaru drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | Subaru drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 38% | 14% |
| Bristol West | 14% | 14% |
| Root | 14% | 32% |
| Assurance America | 10% | 28% |
| Assurance America Economy | 5% | 16% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Subaru drivers can save nearly a third by comparing quotes. Jerry shows prices in real time so you can find your best deal before you buy.
Tip 2: Combine discounts for more savings
Subaru drivers often qualify for multiple discounts, like safe driver programs, multi-car policies and anti-theft systems. Insurers don’t always apply them automatically, but Jerry finds and stacks available discounts on your behalf.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Match your coverage to your Subaru
From the Crosstrek to the Ascent, every Subaru has different coverage needs. Most owners carry more than the minimum, opting for full coverage and higher limits on newer models, then adjusting deductibles or extras as their cars age.
Minimum
$62 – $132/mo
Offers the legal minimum limits, which vary by state.
Full
$137 – $286/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$164 – $344/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$179 – $359/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Subaru drivers with newer models choose full coverage and higher limits. Jerry experts recommend 100/300/100 for strong, balanced protection.
Tip 4: Keep your policy affordable to avoid lapses
Even a brief lapse in coverage can cost you. Among Subaru drivers, a coverage gap leads to premiums rising by an average of 15%. If your current plan feels too expensive, adjusting deductibles, dropping extras or comparing new quotes can help you stay insured without interruption.
Based on Jerry drivers aged 35–44 with clean records who requested standard coverage quotes over the past 60 months. Savings vary by state, coverage, and driver profile.
Jerry Proof: Real Subaru drivers, real savings
See how much Subaru drivers are saving. Here are real owners, their vehicles and the deals they found after comparing quotes with Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Subaru insurance costs can vary, but paying more than you should doesn’t have to be part of the adventure. Whether you drive a Crosstrek, Forester or Outback, Jerry helps you find coverage that matches your Subaru’s reliability, safety and spirit.
We compare top insurers, find every discount and manage renewals, so your coverage stays strong no matter where the road takes you.
It only takes 2 minutes to sign up at Jerry.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
