Jerry SummarySubaru car insurance costs $264 per month, on average, according to a August 2025 analysis of full coverage auto insurance quotes for Jerry customers. Aspire Advantage offers the cheapest coverage at $155 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 $264 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $120 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.
|
Car Model
|
Avg Monthly Quote
|
|---|---|
| B9 Tribeca | $398 |
| Baja | $183 |
| Brz | $396 |
| Crosstrek | $260 |
| Forester | $232 |
| Gl | $146 |
| Impreza | $266 |
| Legacy | $270 |
| Outback | $220 |
| Svx | $204 |
If you have a loan or lease on your vehicle, the lender will require
Click for average minimum coverage costs, by Subaru model.
|
Car Model
|
Avg Monthly Quote
|
|---|---|
| B9 Tribeca | $302 |
| Baja | $119 |
| Brz | $173 |
| Crosstrek | $101 |
| Forester | $119 |
| Gl | $61 |
| Impreza | $123 |
| Legacy | $135 |
| Outback | $104 |
| Svx | $81 |
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 $275 per month for full coverage. In Florida, the monthly average is $305.
Below are the average full coverage costs for Subaru insurance by state.
|
State
|
Avg Monthly Quote
|
|---|---|
| AL | $161 |
| AR | $209 |
| AZ | $212 |
| CA | $275 |
| CO | $249 |
| CT | $300 |
| DC | $258 |
| DE | $213 |
| FL | $304 |
| GA | $337 |
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.
| Insurance company | Best for: | Jerry star rating (out of 5) |
|---|---|---|
| Geico | Overall car insurance. | 5 |
| Auto-Owners | Small insurance company. | 4.9 |
| Nationwide | Usage-based insurance. | 4.7 |
| Allstate | Discounts. | 4.7 |
| Farmers | Customizable options. | 4.6 |
| Progressive | Loyal policyholders. | 4.6 |
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.
Click for the best car insurance by state.
Cheapest Subaru car insurance
Full coverage
AAA offers the cheapest full coverage car insurance for Subaru, with an average rate of $155 per month.
Below are the cheapest insurance companies for Subaru for full coverage, according to Jerry’s data analysis.
|
Insurance Company
|
Average full coverage cost
|
|---|---|
| AAA | $155 |
| Aspire Advantage | $162 |
| Safeco | $191 |
| Geico | $199 |
| ROOT | $200 |
Learn more: What does full coverage car insurance cover?
If you have a loan or lease on your vehicle, the lender will require
Minimum coverage
Mercury offers the cheapest minimum coverage auto insurance for Subaru, with an average rate of $40 per month.
Below are the cheapest insurers for Subaru for minimum coverage, according to Jerry’s data analysis.
|
Insurance Company
|
Average minimum coverage cost
|
|---|---|
| Mercury | $40 |
| Aspire Advantage | $79 |
| Safeco | $82 |
| Geico | $93 |
| Embark General | $94 |
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.
Click for the cheapest car insurance by state.
Subaru Crosstrek auto insurance costs
The average car insurance cost for a Subaru Crosstrek is $261 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.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Subaru Crosstrek | $254 |
| Subaru Crosstrek Limited | $230 |
| Subaru Crosstrek Premium | $273 |
| Subaru Crosstrek Sport | $309 |
| Subaru Crosstrek Wilderness | $223 |
Subaru Forester auto insurance costs
The average car insurance cost for a Subaru Forester is $233 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.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Subaru Forester | $243 |
| Subaru Forester 2.0xt Premi | $244 |
| Subaru Forester 2.0xt Premium | $163 |
| Subaru Forester 2.0xt Touri | $174 |
| Subaru Forester 2.0xt Touring | $213 |
| Subaru Forester 2.5i | $224 |
| Subaru Forester 2.5i Limite | $210 |
| Subaru Forester 2.5i Limited | $191 |
| Subaru Forester 2.5i Premiu | $217 |
| Subaru Forester 2.5i Premium | $280 |
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.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Subaru Impreza | $276 |
| Subaru Impreza 2.5gt | $267 |
| Subaru Impreza 2.5i | $231 |
| Subaru Impreza 2.5i Premium | $226 |
| Subaru Impreza 2.5i Sp Wago | $191 |
| Subaru Impreza L | $342 |
| Subaru Impreza Limited | $215 |
| Subaru Impreza Limited Awd | $278 |
| Subaru Impreza L Plus | $131 |
| Subaru Impreza Outback | $141 |
Subaru Outback auto insurance costs
The average car insurance cost for a Subaru Outback is $224 per month, according to Jerry’s analysis of full coverage quotes.
Here are Outback auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Subaru Outback | $215 |
| Subaru Outback 2.5i | $209 |
| Subaru Outback 2.5i Limited | $226 |
| Subaru Outback 2.5i Premium | $210 |
| Subaru Outback 2.5xt Limite | $310 |
| Subaru Outback 3.0r Ll Bean | $115 |
| Subaru Outback 3.6r | $216 |
| Subaru Outback 3.6r Limited | $241 |
| Subaru Outback 3.6r Premium | $285 |
| Subaru Outback Convenience | $145 |
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.
