Best Car Insurance for Subaru 2022
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Subaru makes a range of cars, from city cars to SUVs. It is known as an environmentally friendly car manufacturer because it supports reuse, recycling, and re-manufacturing to help the environment.
Subaru drivers pay around $1,541 each year to insure their vehicles. But this cost can vary quite a bit depending on which model you have; the Outback Touring costs a whopping $1,592 less than the Forester Limited per year to insure.
Here's what drivers pay when they switch with Carlay
Here are some real quotes from Subaru customers who saved money on auto insurance.
|Quote Date||Car||City, State||Zip Code||Age||Carrier||Before Carlay||After Carlay|
|July 22, 2021||Subaru Forester L||Phoenix, AZ||85044||25||Mercury||$95/mo.||$61/mo.|
|September 17, 2021||Subaru Forester 2.5I Premium||Houston, TX||77077||28||Progressive||$169/mo.||$72/mo.|
|April 13, 2021||Subaru WRX Sti||Homestead
|January 10, 2021||Subaru WRX||Fayetteville, NC||28314||22||Progressive||$267/mo.||$173/mo.|
|July 31, 2021||Subaru Impreza Sport||Front Royal
Best insurance carriers for your Lexus
- Pricing and Reviews
Your car insurance rates will depend on a number of factors, some of which are determined by your credit score, driving history, and the type of car you drive. We'll take a look at some important factors that come into play when calculating your auto insurance rate and whether you can expect your insurer to charge you more or less money because of them. Metlife is the least expensive insurer for Subaru drivers, with an annual premium of $858.
Other popular Subaru auto insurance providers are as follows:
Nationwide was founded in 1922 by a group of entrepreneurs who wanted to offer auto insurance to drivers who were priced out of the market. Today, they're the third-largest auto insurer in the country.
In addition to the peace of mind that comes with knowing you're covered, the online platform and mobile app set Nationwide apart from other insurance providers. In fact, they earn a 4.6/5 star rating on Carlay.
Progressive is a leading auto insurance provider that offers multiple types of coverage, including high-risk and standard auto insurance policies. With Progressive, you have access to state-of-the-art technology and an extensive list of discounts for safe driving, as well as a variety of coverage options based on your needs. Carlay, a leading source of insurance agency ratings, gives Progressive a 4.6/5 rating.
Kemper has become the second-largest personal lines insurance company in the country by offering a wide range of auto and home insurance policies, including special coverage for drivers with high-risk profiles like SR22 forms and salvage titles. Carlay rates Kemper 4.3 out of 5 stars.
Safeco is a great choice for drivers who want to save money. It's especially good for younger drivers because it doesn't price them out of the market with steep rates--and even rewards them with a claims-free cashback program, giving frequent shoppers discounts. Carlay rated Safeco's service a 4.5/5 because of the company's perks.
Allstate is a highly-rated car insurance carrier that provides plenty of great digital features, including a rate calculator, mobile app, and online claim reporting. The Allstate car insurance calculator lets you get an idea of how much your insurance costs at the touch of a button. Carlay gives Allstate a 4.5 out of 5 rating.
Travelers auto insurance offers an attractive range of add-on packages and discounts, including a great rate for good students and safe drivers. The policy also has a host of great features, such as roadside assistance, and rental car reimbursement in addition to accident forgiveness. Travelers is rated 4.7/5 stars by Carlay.
State Auto car insurance is designed with you in mind, offering a broad range of options at an affordable price. With no-money-down protection, easy online filing for a speedy claim process, and competitive rates, State Auto is the right choice for safe, experienced drivers who want to get the most bang for their buck without sacrificing quality coverage. Carlay gives State Auto a 4.1 rating.
If you're looking for nonstandard insurance for high-risk drivers, like out-of-state students or a teenager, National General may be the best choice. In many states, the company offers a claims satisfaction guarantee to keep its customers happy. If you are unhappy with your experience with the company, they will waive your deductible up to $250. Carlay gives this nonstandard car insurance provider a rating of 4.1/5 because their rates are competitive and coverage is good through their independent agent partners.
Dairyland offers some of the best car insurance rates for these individuals who, because of their past driving record, are less likely to be approved by other entities. Its flexible payment plans and 24/7 live claims support in almost 40 states are among the reasons why Carlay rates Dairyland 4.6/5.
If you're looking for great insurance and an easy process, Clearcover is the right choice for you. You can get a quote instantly and see how much you could save on your auto insurance. Then, file claims online with no paper work, which saves time and hassle. The Clearcover app enables you to easily track your policy and communicate with your agent at any time. Clearcover receives a 4.1/5 from Carlay.
- How to compare prices to find the most affordable coverage
When it comes to car insurance rates, the average is not one size fits all. In fact, a lot goes into calculating your premium. To find a competitive policy with a low premium that fits your budget, compare quotes from multiple insurers.
When looking for a car insurance policy, it's not just about how much you're paying each month. You also want to know what kind of cover your policy offers in the event of an accident. With this in mind, we have created a tool that allows you to search through multiple companies and compare quotes instantly.
The traditional way of getting quotes from insurance companies can be very time-consuming and frustrating. You spend ages entering your personal details into a form, only to find out that all you'll get is a phone call.
Carlay is here to help you make insurance shopping easier. When you need car insurance, comparing rates and coverage is tough. That's why we created Carlay — the app that compares quotes from multiple providers for the best price on car insurance.
Carlay handles all the paperwork and phone calls to get you covered fast. Our online tools and guidance make it easy to build the perfect policy. And since Carlay reviews your coverage every 6 months, you can be sure that you're always getting the best deal on exactly what you need.
Here is how much Carlay's customers saved by switching their car insurance:
|Rank||Company name||Avg. Annual Premium|
Carlay is a mobile app that enables you to compare insurance quotes from multiple carriers at once, so you can find the best premium for the coverage you need.
Cost of insuring a Subaru
- Cost of insuring with minimum coverage and full coverage
The cost of annual insurance for a Subaru averages $1,625 for minimum coverage and $2,364 for full coverage. When you average all makes and models together, the average car insurance premium in the US is $1,783 per year for minimum coverage and $2,485 for full coverage. Your insurance premiums will vary depending on what coverage you select for your Subaru. However, each state has its own minimum coverage that you must meet.
As a driver, your state may require you to get certain types of insurance:
|Coverage type||Protection offered|
|Bodily injury liability (per person and per accident)||Pays for the costs associated with the injuries you've caused to others|
|Property damage liability (per accident)||Pays for the costs associated with damage you cause to other people's vehicles or property|
|Uninsured motorist protection (per person and per accident)||Applies when a car accident isn't your fault but the at-fault driver doesn't have liability insurance to pay for your injuries or property damage|
|Underinsured motorist protection (per person and per accident)||Applies when the at-fault driver has liability insurance, but it isn't enough to cover your injuries or property damage|
|Personal injury protection (per person and per accident)||Pays for your own medical expenses after a car accident|
Subaru usually recommends getting more coverage than the minimum required. If you can afford it, we recommend you get more protection for your ride. You might have to pay thousands of dollars in medical bills and vehicle repair costs if you're in an accident—and if you cause the accident and don't have sufficient insurance, you'll be out of pocket.
Leased or financed car owners have the option of purchasing full-coverage insurance. It's also a good idea to purchase it if you can't afford to replace your car in the event of a total loss. A full coverage policy is one that includes collision insurance and comprehensive insurance, plus the state-mandated liability insurance.
|Coverage type||Protection offered|
|Collision||Applies if you get into a collision with someone else's vehicle or an object|
|Comprehensive||Applies when your car is damaged by something other than a collision or rollover, like a weather event or vandalism|
Here's how much insurance costs for a Subaru vehicle with minimum coverage and full coverage, depending on whether you're insured by Carlay.
|All Coverage Before Carlay||All Coverage After Carlay||Minimum Coverage Before Carlay||Minimum Coverage After Carlay||Full Coverage Before Carlay||Full Coverage After Carlay|
|All Coverage Before Carlay||$2,046|
|All Coverage After Carlay||$1,393|
|Minimum Coverage Before Carlay||$1,844|
|Minimum Coverage After Carlay||$1,090|
|Full Coverage Before Carlay||$1,986|
|Full Coverage After Carlay||$1,461|
- Cost of insuring based on age and driving record
As you get older, your premiums will also rise. Car insurance companies use what they know about you and your driving record to determine which kind of policy you'll need. Adjusting the deductible and adding theft and comprehensive cover are ways you can reduce your premium as well as any risk involved in purchasing car insurance. People who have driven for many years and have a good driving record pay less for insurance; the more experience you have driving, the cheaper your insurance will usually be.
Understanding how traffic violations impact your car insurance premium is important. Traffic tickets are demerit points against your license, and may increase your premiums as well as lead to suspension or revocation of your driver's license. However, there's good news, too! You can save money over time by improving your driving habits and keeping a clean driving record.
Here are some interesting facts about car insurance costs for Subaru by age group:
Insurance companies consider factors like age, driving record, and coverage needs when they calculate the cost of insurance for a Subaru.
- Cost of insuring popular models
Subaru models are different from one another, and your car insurance carrier will base your premium on the model you own—since repairs and replacement costs differ between models. As a rule, the more expensive a car is, the higher its insurance premium will be. That means you'll pay a higher insurance premium if you drive an expensive car.
Carlay will help you save money on your car insurance, no matter which type of car you drive. Carlay takes just a few moments to set up. Just download the app, answer a few questions, and Carlay collects all of your information from your existing insurer.
Thanks to Carlay, you can immediately see how much you could save with a new insurance quote. It only takes a few clicks and we'll take care of the rest. You're always in control and you can change your coverage at any time. Car insurance customers who use Carlay save an average of $879 a year.
To find out more about how car insurance costs vary for various makes, follow these links:
The cost of your insurance is mostly dependent on the car model you are insuring. You will usually get cheaper premiums if you opt for a less expensive vehicle.
- Cost of insuring your Subaru by year
Most and least expensive years of car
A Subaru's depreciation rate, or loss in value due to wear and tear or age, means that older Toyotas tend to be less expensive to insure than newer ones. Edmunds states that a new car loses 23.5% of its value after the first year and 60% of its value in the first five years. If you have a newer car, the cost to repair or replace it after an accident is usually less than if you have an older, less valuable one. This usually translates to insurance savings.
If you have a newer car, you're probably paying more for full coverage insurance than required. But it's worth it in case someone steals your car, gets into an accident and damages your vehicle, or injures themselves.
Based on Carlay's internal data, the least expensive years to own a Subaru are 1995 and 1999. The most expensive are 2019 and 2008.
|Year||Average Cost||Annual Savings with Carlay|
Subarus, when older, are usually less expensive for drivers to repair or replace. Because of this, drivers often opt to buy and insure older Subarus rather than new ones, which can be financed or leased.
- Cost of insuring a Subaru in your city
Subaru owners in different parts of the country can have a hard time comparing car insurance prices because of the wide differences in accident, crime, and severe weather rates from one region to another.Your insurance company considers the risk associated with insuring your vehicle based on what is common in your area. If your city has a high rate of car thefts, collisions, or severe weather events, you can expect to pay more for coverage.
According to our data, Subaru drivers are most concentrated in cities including Denver (CO), Maidens (VA), Sacramento (CA), Brandon (FL), and Pittsburgh (PA). If you're a Subaru owner in Carlay, it pays to shop around for car insurance. The cheapest car insurance for Subaru for Carlay users is in San Clemente (CA) and Arlington (VA). The most expensive car insurance for Subaru for Carlay users is in Manassas (VA) and Queens (NY).
|City||Average Cost||Annual Savings with Carlay|
|Colorado Springs||$2,198||$776||Compare Prices|
|Fort Lee||$2,400||$855||Compare Prices|
|Happy Valley||$8,040||$6,426||Compare Prices|
|San Antonio||$2,375||$617||Compare Prices|
If you live in an area where there are frequent auto thefts, collisions, or severe weather events, your car insurance bill will probably be higher than it would be if you lived somewhere else.