How affordable is Subaru insurance?

UPDATED: Jul 16, 2021Fact Checked

Compare Quotes Now

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

We are dedicated to helping you find the most affordable make and model of vehicle available. We understand that affordability involves a number of expenses, like gas mileage, maintenance costs and insurance rates.

What follows is information on Subaru vehicles, especially the information that impacts vehicle insurance rates. Car insurance research can’t be put off. The grace period most insurance companies give customers to get a new plan for a new vehicle is usually just four days.

So let’s get on it.

Company background

Born out of multiple large Japanese transportation corporations, Subaru has branded their all-wheel-drive cars as reliable and 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?

How much does it cost to insure one of the world’s safest cars?

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


The average insurance costs for a Subaru Crosstrek is $83 a month — or $996 a year.  


The average insurance costs for a Subaru Outback is $77 a month — or $919 a year.  


The average insurance costs for a Subaru Impreza is $86 a month — or $1028 a year.


The average insurance costs for a Subaru Legacy is $83 a month — or $994 a year.


The average insurance costs for a Subaru Forester is $82 a month — or $986 a year.


The average insurance costs for a Subaru WRX is $103 a month — or $1238 a year.

Compared to other foreign vehicles, like a BMW for instance, these rates are incredibly low. But Subaru’s insurance rates are even low compared to comparable makes, like a 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 are $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 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.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Breaking down reliability by Subaru model


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.


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.


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.


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.


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.


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 like 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.

How can you save money on car insurance?

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

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

Other considerations

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, collision, 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 coverage one day just to save $100 over the course of a year.


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.

Compare Quotes Now

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption