Subaru Insurance Cost
Across 10 current Subaru models, full coverage averages about $1,387 a year by our estimate — −13% versus the average vehicle ($1,590).
Subaru insurance profile
Subaru’s lineup is made up mostly of 5 small suvs, 2 compact cars, and 1 midsize suv. HLDI collision losses for its models average 86 (100 = all-vehicle average).
Every Subaru model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Forester | Small SUV | 2005–2026 | 64 | $1,140 | −28% |
| Crosstrek | Small SUV | 2013–2027 | 63 | $1,175 | −26% |
| Outback | Wagon | 2005–2027 | 63 | $1,190 | −25% |
| Ascent | Midsize SUV | 2019–2027 | 70 | $1,205 | −24% |
| Solterra | Small SUV | 2023–2027 | 92 | $1,320 | −17% |
| Impreza | Compact car | 2005–2027 | 88 | $1,465 | −8% |
| WRX | Compact car | 2015–2026 | 123 | $1,540 | −3% |
| Trailseeker | Small SUV | 2026–2027 | — | $1,545 | −3% |
| Uncharted | Small SUV | 2026–2027 | — | $1,545 | −3% |
| BRZ | Sports car | 2013–2027 | 121 | $1,740 | +9% |
Older and discontinued Subaru models
What makes Subaru insurance cost more or less
- EV batteries: 3 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 8 models range from 63 to 123, so the model you pick matters as much as the brand.
- Segment mix: 5 small suv, 2 compact car, 1 midsize suv, 1 sports car, 1 wagon.
Average Subaru insurance cost by state
Average full-coverage estimate across current Subaru models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $889 | −36% |
| North Dakota | $908 | −35% |
| Vermont | $913 | −34% |
| Idaho | $947 | −32% |
| Wisconsin | $959 | −31% |
| Iowa | $960 | −31% |
| Hawaii | $961 | −31% |
| Indiana | $993 | −28% |
| New Hampshire | $994 | −28% |
| Ohio | $998 | −28% |
| North Carolina | $1,047 | −24% |
| South Dakota | $1,089 | −21% |
| Wyoming | $1,113 | −20% |
| Kansas | $1,125 | −19% |
| Montana | $1,126 | −19% |
| Nebraska | $1,128 | −19% |
| Tennessee | $1,163 | −16% |
| Kentucky | $1,170 | −16% |
| Minnesota | $1,171 | −16% |
| West Virginia | $1,173 | −15% |
| Virginia | $1,197 | −14% |
| Washington | $1,205 | −13% |
| Illinois | $1,210 | −13% |
| Alabama | $1,218 | −12% |
| Alaska | $1,219 | −12% |
| Pennsylvania | $1,221 | −12% |
| Arkansas | $1,238 | −11% |
| Oregon | $1,240 | −11% |
| New Mexico | $1,253 | −10% |
| Utah | $1,255 | −9% |
| Oklahoma | $1,266 | −9% |
| Missouri | $1,271 | −8% |
| Mississippi | $1,339 | −3% |
| California | $1,366 | −1% |
| Massachusetts | $1,367 | −1% |
| Arizona | $1,459 | +5% |
| Connecticut | $1,470 | +6% |
| South Carolina | $1,480 | +7% |
| Michigan | $1,517 | +9% |
| Delaware | $1,539 | +11% |
| Maryland | $1,556 | +12% |
| Nevada | $1,576 | +14% |
| Colorado | $1,591 | +15% |
| Texas | $1,658 | +20% |
| New Jersey | $1,661 | +20% |
| Rhode Island | $1,669 | +20% |
| Georgia | $1,709 | +23% |
| District of Columbia | $1,755 | +27% |
| New York | $1,852 | +34% |
| Louisiana | $1,923 | +39% |
| Florida | $1,964 | +42% |
Frequently asked questions
How much does it cost to insure a Subaru?
Across 10 current Subaru models, our full-coverage estimate averages $1,387 a year for a driver in their 30s with a clean record, 13% less than the average vehicle ($1,590).
What is the cheapest Subaru to insure?
The Subaru Forester has the lowest estimate at about $1,140 a year for full coverage; the Subaru BRZ is the most expensive at about $1,740.
Are Subaru repairs expensive for insurers?
HLDI collision-loss data for 8 Subaru models averages 86 (100 = average of all vehicles), which is better than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Subaru?
By our estimates, Maine is the cheapest state (about $889 a year on average across current models) and Florida the most expensive (about $1,964).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.