Cheap Subaru Car Insurance in 2024 (10 Most Affordable Companies)
For cheap Subaru car insurance, Geico, American Family, and Farmers are the top contenders with a monthly premium starting at $60. With a strong reputation for their unbeatable prices and gap coverage option, they attract Subaru drivers in search of both financial savings and dependable protection.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Nov 3, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 3, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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Geico, American Family, and Farmers offer cheap Subaru car insurance for as low as $60/month. Comparing quotes from these top companies is the easiest way to find affordable coverage.
We’ll talk about important things like how much coverage you can get, ways to get discounts, and tips for lowering your payments. Whether you want lots of protection or just want to save money, this article will show you the best insurance companies and how to save on your Subaru auto insurance. Let’s dive in and find the best prices so you can save more.
Our Top 10 Company Picks: Cheap Car Insurance for Subaru| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $60 | A++ | Affordable Rates | Geico |
 | #2 | $61 | A | Discount Availability | American Family |
 | #3 | $63 | A+ | Safe-Driving Discounts | Farmers |
 | #4 | $64 | B | Many Discounts | State Farm |
 | #5 | $65 | A+ | Multi-Policy Savings | Nationwide |
 | #6 | $67 | A+ | Usage-Based Insurance | Progressive |
 | #7 | $68 | A++ | IntelliDrive Program | Travelers |
 | #8 | $69 | A | Diminishing Deductible | Safeco |
 | #9 | $71 | A+ | Local Agents | Allstate |
 | #10 | $73 | A | Occupational Discount | Liberty Mutual |
Simply enter your ZIP code above into our free comparison tool to see rates in your area.
- Compare rates for minimum and full coverage car insurance for Subaru vehicles
- Geico offers the cheapest car insurance rate for Subaru
- Higher deductibles can lower your premium
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#1 – Geico: Top Overall Pick
Pros
- Unbeatable Subaru Premiums: Our Geico auto insurance review discusses how this insurer provides essential protection for Subarus without breaking the bank.
- Impressive Financial Backbone: With an A++ rating from A.M. Best, Geico’s rock-solid financial stability ensures Subaru drivers that their claims will be honored.
- Digital-First Experience: Geico’s state-of-the-art mobile app and online portal offer Subaru owners a seamless digital experience.
Cons
- Limited Agent Interaction: As a primarily direct-to-consumer insurer, Geico may not satisfy Subaru owners who prefer regular face-to-face interactions.
- Strict Criteria for Top Rates: Some Subaru drivers, particularly those with less-than-perfect credit or driving records, may find it challenging to qualify for Geico’s advertised low rates.
#2 – American Family: Best for Discount Availability
Pros
- Gap Insurance Availability: American Family offers the best gap insurance for Subaru owners with auto loans or leases.
- Generous Young Driver Discounts: Families with young Subaru drivers can benefit from American Family’s Teen Safe Driver program and Good Student discounts.
- 24/7 Customer Service: American Family offers round-the-clock customer service, ensuring Subaru owners have access to support whenever they need it.
Cons
- Limited Nationwide Reach: American Family’s services aren’t available in all states, which could be problematic for Subaru owners who frequently travel.
- Potential Technology Lag: Some Subaru drivers report that American Family’s digital tools and online platforms are less advanced compared to more tech-focused insurers.
#3 – Farmers: Best for Safe-Driving Discounts
Pros
- Customizable Subaru Packages: Farmers offers three customizable package options (Standard, Enhanced, Premier) for Subaru owners.
- New Subaru Replacement Coverage: If a new Subaru is totaled within the first two model years, Farmers offers to replace it with a brand-new model.
- Rideshare Coverage Gap Protection: Offers specialized coverage for Subaru owners who useridesharing. Check out our Farmers insurance review to see if it’s right for you.
Cons
- Complex Policy Structure: Farmers’ three-tiered coverage system can be confusing for some Subaru owners.
- Limited Usage-Based Options: Compared to some competitors, Farmers offers fewer usage-based insurance programs specifically designed for adult Subaru drivers.
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#4 – State Farm: Best for Many Discounts
Pros
- Drive Safe & Save for Subarus: This usage-based program offers Subaru owners the chance to save up to 30% on premiums based on their actual driving habits.
- Steer Clear Safe Driver Program: Explore our State Farm insurance review and see how young Subaru drivers under 25 can complete this program to earn a discount.
- Rental Car Reimbursement: In the event a Subaru is being repaired due to a covered claim, State Farm offers rental car coverage, keeping drivers mobile and minimizing disruption.
Cons
- No Gap Insurance: State Farm doesn’t offer gap insurance, which could be a drawback for Subaru owners with new car loans or leases.
- No Accident Forgiveness in Most States: Unlike many competitors, State Farm doesn’t offer accident forgiveness in most states.
#5 – Nationwide: Best for Multi-Policy Savings
Pros
- On Your Side Review: In our article titled “How do I renew my car insurance policy with Nationwide?” this service helps Subaru drivers ensure their coverage remains appropriate.
- Total Loss Deductible Waiver: If a Subaru is declared a total loss after an accident, Nationwide waives the deductible, easing the financial burden during a stressful time.
- Pet Injury Coverage: Nationwide includes protection for pets injured in a car accident, a unique feature that pet-loving Subaru owners may find valuable.
Cons
- Higher rates for some Subaru models: Owners of certain Subaru models, particularly high-performance versions like the WRX STI, may face higher premiums.
- Limited mechanical breakdown options: Unlike some competitors, Nationwide doesn’t offer mechanical breakdown insurance for Subarus.
#6 – Progressive: Best for Usage-Based Insurance
Pros
- Snapshot Program for Subarus: See our detailed Progressive insurance review, which rewards safe drivers with potential premium reductions.
- Deductible Savings Bank: Subaru drivers can opt to have $50 added to their deductible savings bank each policy period they remain claim-free.
- Custom Parts Coverage: Subaru enthusiasts who have modified their vehicles can obtain coverage for custom parts and equipment.
Cons
- Mixed Reviews on Claims Satisfaction: While many Subaru owners report positive experiences, some have encountered difficulties during the claims process with Progressive.
- Less Competitive Rates for Older Subarus: While rates are generally affordable, owners of older Subaru models may find Progressive’s premiums less competitive.
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#7 – Travelers: Best for IntelliDrive Program
Pros
- IntelliDrive for Subaru Savings: Travelers’ usage-based insurance program allows Subaru drivers to earn up to 30% off their premiums based on safe driving habits.
- Responsible Driver Discount: Subaru owners with clean driving records for the past three years can qualify for significant premium reductions.
- Low Risk Benefits: As mentioned in our article titled “How can I pay my Travelers insurance premium?” you may be rewarded with lower premiums as you are seen as a lower risk individual.
Cons
- Limited Availability: Travelers auto insurance isn’t available in every state, potentially causing issues for Subaru owners who frequently travel or plan to relocate.
- Mixed Customer Service Reviews: While experiences vary, some Subaru owners report inconsistent customer service experiences with Travelers, particularly when dealing with claims.
#8 – Safeco: Best for Diminishing Deductible
Pros
- Diminishing Deductible: Subaru owners can explore our Safeco insurance review to see how the diminishing deductible can help you save on future claims.
- First Aid Reimbursement: Safeco uniquely offers reimbursement for first aid supplies used at an accident scene, a thoughtful benefit for safety-conscious Subaru drivers.
- Emergency Assistance Package: This comprehensive package includes coverage for personal property, food spoilage, and even pet boarding if a Subaru is disabled due to a covered loss.
Cons
- Limited Direct Online Services: Subaru owners who prefer fully digital interactions may find Safeco’s online tools and services less comprehensive.
- Less Competitive Rates for High-Risk Subarus: Owners of high-performance Subaru models or those with less-than-perfect driving records may face higher premiums with Safeco.
#9 – Allstate: Best for Local Agents
Pros
- Claim-Free Bonus: Subaru owners can earn a bonus every six months they go without filing a claim, as mentioned in our SAFECO insurance review which provides ongoing rewards for safe driving.
- Stellar Agent Support: Allstate offers access to local agents who can provide personalized service and support, helping Subaru owners with tailored advice and assistance.
- Roadside Assistance via Mobile App: Subaru owners can easily request roadside assistance through Allstate’s mobile app.
Cons
- Higher Deductibles: Allstate’s policies might come with higher deductibles, which could be a disadvantage for those looking to keep out-of-pocket expenses lower in the event of a claim.
- Limited Discount Options: Allstate may offer fewer discount opportunities for Subaru owners compared to other insurers, potentially limiting ways to lower insurance costs.
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#10 – Liberty Mutual: Best for Occupational Discount
Pros
- Teacher’s Auto Insurance: Subaru-driving educators can read more about Liberty Mutual auto insurance review to know how teaching professions can benefit.
- 12-Month Rate Guarantee: Unlike many insurers who adjust rates every six months, Liberty Mutual guarantees Subaru owners’ rates for a full year.
- Better Car Replacement: For older Subarus, if the car is totaled, Liberty Mutual will provide enough money to replace it with a model that is one year newer and has 15,000 fewer miles.
Cons
- Highest Rates on the List: With a minimum coverage rate of $73 per month for Subarus, Liberty Mutual is the most expensive option among these competitors.
- Limited Availability of Some Features: Certain benefits and discounts may not be available in all states, potentially causing frustration for some Subaru owners.
Subaru Car Insurance by Level of Coverage
The type of insurance a Subaru driver picks will influence their costs. If you go for full coverage, which covers things like collision and comprehensive, or just stick with the minimum liability coverage, it will also change how much you pay each month.
Subaru Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $71 | $140 |
 | $61 | $128 |
| $63 | $132 |
| $60 | $125 |
| $73 | $145 |
| $65 | $130 |
| $67 | $135 |
| $69 | $136 |
| $64 | $130 |
| $68 | $138 |
Choosing the right level of coverage is crucial for balancing cost and protection as a Subaru owner. Now you’re wondering, “How much insurance coverage do I need?” While minimum coverage can offer lower monthly payments, it may not provide sufficient financial security in case of an accident.
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Full coverage, though more expensive, can give you peace of mind by covering a wider range of potential incidents. Carefully weigh your vehicle’s value, your personal driving habits, and your financial situation to make the best decision for your Subaru insurance needs.
Lowering Your Subaru Car Insurance Cost
To lower your Subaru car insurance cost, start by comparing quotes from various insurers to find the best rates specific to Subaru vehicles. Opt for higher deductibles to reduce premiums and consider bundling your Subaru auto policy with other insurance types for additional savings.
Utilize Subaru’s safety features like EyeSight Driver Assist and adaptive cruise control, which can qualify you for safety discounts. Maintain a clean driving record and explore discounts for low mileage, completing safe driving courses, and good student car insurance discounts. Regularly review your policy to ensure you’re maximizing Subaru-specific discounts and coverage benefits.
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Car Insurance Discounts for Subaru
With the help of these Subaru car insurance discounts listed below, Subaru owners can reach the lowest possible insurance rates and at the same time receive the best safety and options for their cars.
Car Insurance Discounts From the Top Providers for Subaru| Insurance Company | Available Discounts |
|---|---|
| Safe Driving Bonus, Multi-Policy, Accident Forgiveness, New Car Discount |
| Teen Safe Driver, Multi-Policy, Defensive Driving, Loyalty Discount |
| Signal® App, Multi-Policy, New Car Replacement, Safe Driver |
| Defensive Driving, Multi-Policy, Good Driver, Anti-Theft |
| Multi-Policy, Accident Forgiveness, New Car Replacement, Vehicle Safety Discount |
| Vanishing Deductible®, Multi-Policy, Accident-Free, SmartRide® |
| Snapshot®, Multi-Policy, Continuous Insurance, Safe Driver |
| Multi-Policy, Accident Forgiveness, New Car Replacement, Anti-Theft |
| Drive Safe & Save™, Multi-Policy, Accident-Free, Good Student |
| Multi-Policy, Safe Driver, Accident Forgiveness, New Car Replacement |
Learn how to maximize your savings on Subaru car insurance with these available discounts. Discounts for holding multiple policies or incentives for safe driving can significantly reduce auto insurance expenses.
Key Takeaways: Saving on Your Subaru Insurance
You can find cheap Subaru car insurance if you know where to look. Gather quotes from reputable companies like Geico, American Family, and Farmers. They may offer you good rates suited for your car. Keep an eye out for discounts for safe driving, bundling insurance, and the Subaru’s safety features.
To know how insurance companies calculate your car insurance rate is important. Your driving history matters. The coverage you select matters. The safety features of your car matter too. Choose your coverage with care. It is a matter of balancing cost and the protection your car needs.
Welcome to the neighborhood! You could save with a discount when you bundle home and auto insurance.
— GEICO (@GEICO) February 10, 2020
Protect your vehicle from whatever the road throws at it by entering your ZIP code into our free comparison tool below to see affordable car insurance quotes.
Frequently Asked Questions
What is the cheapest Subaru to insure?
According to our cost data, the Forester is the cheapest Subaru model to insure at an average of $139 per month. For more information, read our article titled “How much does Subaru Forester car insurance cost?”
Why are Subaru’s so expensive to insure?
The high expense could be because it is a Subaru sports car model with high horsepower. Drivers of a sports car may be more likely to engage in risky behavior, which drives insurance costs up. See if you’re getting the best deal on car insurance by entering your ZIP code below.
Are Subarus expensive to keep up?
Above-average maintenance and repair costs are something that Subaru owners have to contend with. Those with a Subaru can expect to spend 50% more than on a comparable Toyota or Honda, whether it’s due to more complicated engine access or more expensive tire changes.
Why are Subarus high maintenance?
Specialized Parts. Some Subaru parts, especially those related to their all-wheel-drive systems and boxer engines, may be more specialized than those found in more common vehicles. As a result, the cost of these parts might be slightly higher, leading to increased maintenance costs.
Read More: Best Subaru Car Insurance Discounts
Is a Subaru a good car to own?
Subarus have fared well in our reliability surveys, consistently ranking in top-10 of all manufacturers. If you’re looking for a new car, these models might be worth the wait. Safe, reliable models at good prices. These are good, safe, reliable models with the lowest transaction prices.
Which is cheaper Outback or Forester?
Priced from $28,440, the base 2024 Subaru Forester is $1,800 less expensive than the base 2024 Outback, which starts at $30,240. A bigger variation exists when you look at the most expensive models. The Forester Touring tops the range at $38,740, while the 2024 Outback Touring XT reaches $44,140.
At what mileage do Subarus go bad?
Subaru vehicles are renowned for their exceptional longevity, often surpassing 200,000 miles or more with proper maintenance and care. Read our article titled “Best Pay-Per-Mile Car Insurance” for more information.
Is $500 a lot for car insurance?
Yes, $500 a month for car insurance is very expensive.
Is a Subaru Legacy expensive to insure?
A Subaru Legacy is cheaper to insure compared to the average car. Liability insurance for a Legacy runs around $71 a month, while full coverage normally comes in at about $151 monthly.
How much does it cost to insure a 2024 Subaru Crosstrek?
The average insurance cost for a Subaru Crosstrek in 2024 is $149 per month. The Subaru Crosstrek was one of the 25 best-selling vehicles in the U.S. Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.
Enter your ZIP code below to compare cheap insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.