Buy Cheap Subaru Auto Insurance in 2025

Subaru is an excellent brand to shop for when you’re trying to buy cheap auto insurance. Subaru is known for its reliability and top safety ratings, and Subaru car insurance quotes reflect that. Car insurance for Subarus generally costs $146 per month, which is well below the national average.

Although finding affordable Subaru auto insurance is relatively easy, the rates you’ll see depend on several factors. For example, younger drivers see higher Subaru car insurance costs, while people with higher credit scores tend to see lower rates. Because of these factors, it’s important to compare Subaru auto insurance rates before making a decision.

Read on to learn where to buy cheap Subaru auto insurance and what factors might affect your rates. Then, compare quotes from as many companies as possible to find the best Subaru auto insurance for your needs.

Subaru Background

Born out of multiple large Japanese transportation corporations, Subaru has branded their all-wheel-drive cars as reliable, safe, and built for individuals and families that love the outdoors no matter what time of year.

Additionally, the company makes aerospace equipment and parts for Boeing, helicopters for Japan’s military, and executive jets.

One of the company’s early marketing slogans was “Inexpensive and built to stay that way.” While Subaru is still known for its quality, does the slogan still hold true when it comes to paying insurance on them?

Subaru Auto Insurance Rates

To calculate the average cost of vehicle insurance for each model of Subaru, we used the following information:

• 2018 model
• 10,001–15,000 miles driven yearly
• Basic coverage
• No accidents in the past 5 years
• Driver located in Oregon (national average)
• Good credit

Here is the average cost to insure a Subaru by model:

Subaru Auto Insurance Average Monthly Rates by Model

Subaru rates are incredibly low compared to other foreign vehicles — finding cheap BMW auto insurance is much harder, for example.  But Subaru’s insurance rates are even low compared to comparable makes, like Honda Civics and Accords.

The Long-Term Cost of Subaru Ownership

Insurance costs are not determined by premiums alone. Car owners need to consider how much it costs to repair a particular make and model of vehicle, too. Because in some cases, repairs will either not be covered by insurance or will not exceed your deductible. For Subaru, repair costs over the years have been marginal—neither at the high-end nor low-end of the spectrum.

Consumer Reports research indicates that cost of repairs for a Subaru in the first 3 years of ownership is $180 per year. By year 10, Subarus typically cost their owners $695 per year.

Kelley Blue Book has a calculator you can use to determine the 5-year cost of ownership per vehicle. It allows you to compare up to five vehicles at a time. This is handy if you want to see how the Subaru Crosstrek compares to, say, the Jeep Renegade or how the Forester compares to the Cherokee.

Since most major repairs don’t happen in the first 3 years and whereas many people do not own their vehicle for 10 years, the 5-year tool makes a lot of sense to utilize.

Reliability Ratings by Subaru Model

Subaru Crosstrek

One of Subaru’s newest and most popular models is the Crosstrek, a small car that could almost pass for a compact SUV. Like most Subaru models, it earns big points for its safety record and takes home a 2018 Top Safety Pick recognition.

To qualify for this recognition, a vehicle must earn top ratings across a number of safety test categories. It also must earn an advanced or superior rating for front crash prevention and an acceptable or good headlight rating.
Crosstrek does all those things.

In fact, among every single safety category recorded, the Crosstrek earned the highest ranking possible but for one—headlight performance. That’s because for both low- and high-beams the Crosstrek does not optimally light up the left side of the road and oncoming traffic.

Subaru Outback

The Subaru Outback first hit the road in 1994 and has been a hit ever since.

Known for its ability to provide comfort and endure tough conditions, the Outback is arguably the safest midsize vehicle on the road. It garnered a 2018 Top Safety Pick + recognition, scoring the highest possible safety rating in every single safety category.

Its crash avoidance and mitigation system earned a “Superior” ranking, and its child seat safety latch ranking earned a ranking of “Good +” for good measure. In other words, it’s as safe as a tank.

Subaru Impreza

The Subaru Impreza is the company’s purest small car, but it’s big on safety. Like the Subaru Outback, the Impreza garnered a 2018 Top Safety Pick + recognition, scoring the highest possible safety rating in every single safety category.

Its crash avoidance and mitigation system also earned a “Superior” ranking, and its child seat safety latch ranking earned a ranking of “Good +” just like the Outback. In other words, it’s as safe as a tank but as compact as a Honda Civic.

Subaru Legacy

A midsize sedan isn’t necessarily one of the safest vehicles on the road, but this is Subaru and the Legacy model only helps this automaker cement its legacy ad the builder of the world’s safest cars. Like the Subaru Outback and the Impreza, the Legacy garnered a 2018 Top Safety Pick + recognition, scoring the highest possible safety rating in every single safety category.

Its crash avoidance and mitigation system also earned a “Superior” ranking, and its child seat safety latch ranking earned a ranking of “Good +” just like the Outback.

Subaru Forester

The Forester is Subaru’s “small” SUV, but it’s one of its largest vehicles, and over the years it has become largely popular. You’d think all that would mean it’s the safest, too. However, the Forester is the only model of Subaru that didn’t receive top rankings across the board in crashworthiness thanks to passenger-side impact issues.

The Forester also leaves room for improvement in its crash avoidance system since the headlights have the same issue as the Crosstrek — the left-side visibility makes seeing oncoming traffic a little harder than it should be.

Subaru WRX

A few years ago, Subaru came out with another small car model, but with a sporty kick.

It’s called the WRX, and it garnered a Top Safety Pick + recognition in 2018. The only item that did not receive the highest safety ranking was the ease of use for the child seat safety latches. Every crashworthiness factor was rated with the highest possible score, which is par for the course with the Japanese carmaker.

Safety Ratings

Subaru has developed a strong reputation for reliability and safety. And that can have a positive impact on insurance rates. We gathered information from two online sources to help you see how safe each model of Subaru is:

Insurance Institute for Highway Safety—This organization was founded in the late 1950s by insurance companies, but it has evolved into an independent nonprofit with the mission of using research data and safety education to reduce deaths, injuries, and property damage due to car accidents.

They use a “Ratings” tool on their website that gives vehicles ratings for crashworthiness (how well occupants are protected in a crash) and crash avoidance and mitigation (how well the vehicle can prevent an accident or lessen its severity). The four possible ratings are:

• Poor
• Marginal
• Acceptable
• Good

National Highway Traffic Safety Administration—By enforcing performance standards established by state and local governments, the goal of the NHTSA is to mitigate issues that arise from automobile accidents by reducing:

• Deaths
• Injuries
• Economic

The NHTSA also has a “Vehicle Comparison” tool to make your choice between two or three makes and models a little easier and better informed.

Factors That Affect Your Ability to Buy Cheap Subaru Auto Insurance

Insurance prices will change based on many factors, such as:

• Location
• Commute
• Driving record
• Credit score
• Vehicle type

Tips to Buy Cheap Subaru Auto Insurance

Take your pick: Compare price estimates from a variety of companies because although competition keeps prices fairly standard, bundled insurance can be a game changer. Some insurance companies offer more than just vehicle coverage. So to get your business, they’ll offer you more than one type of insurance, but each at a discount. Everybody can win, including your pocketbook.

Eye the itemization: Your premium looks like one lump sum, but it’s actually a composite of several line items, such as comprehensive and collision insurance, emergency road services, and rental car reimbursement. Most insurance providers can itemize these for you, allowing you to determine whether or not you feel it’s worth it to spend an additional $50 per year, let’s say, on rental car insurance.

What can save even more money is if you are willing to change comprehensive and collision coverage. Don’t be over-eager to reduce those coverage amounts, however. You may regret not having $50,000 of bodily injury liability insurance one day just to save $100 over the course of a year.

Buy Cheap Subaru Auto Insurance Today

If you are looking for a reliable, safe, and affordable car, the Subaru is a bit of a no-brainer. But insurance can be complicated depending on your situation.

Remember, you can always contact us for answers if you have insurance questions. It’s what we do.