The Best Auto Insurance for Subaru in 2026

Regardless of the Subaru you drive — an everyday SUV or a sleek sports car — State Farm is a great choice due to its reasonable rates and strong history of customer satisfaction. Like USAA, it holds above-average ratings for customer satisfaction from J.D. Power in every U.S. region, and a claims satisfaction score 13 points above the average.²

Discounts for Young Drivers

One of the top reasons people, especially families with young drivers, choose Subarus is safety. The Insurance Institute for Highway Safety named several Subaru models among the safest for teen drivers:

• Ascent
• Crosstrek Hybrid
• Impreza (sedan or wagon)
• Legacy
• Outback³

Although the cost of insuring a teen driver is the highest of any age group, State Farm offers several discounts for young drivers:

• Steer Clear: Drivers under 25 with no at-fault accidents or violations for the past three years earn up to 15 percent off for completing an app-based driver training program.
• Student at school: Drivers under 25 who attend school at least 100 miles away and garage their cars at home receive a discount.
• Good student: Students who maintain a B average (3.0 GPA) or higher save up to 25 percent, and the discount lasts even after college graduation, until age 25. Home-schooled students can also qualify by submitting test results from a nationally recognized standardized exam taken within the past year, showing they ranked in the top 20 percent.
• Driver training: When all drivers in the household under age 21 complete an approved driver education course, they get a discount.

Strong Rental Reimbursement Offering

If you rely on your Subaru as your primary mode of transportation, it’s a good idea to consider rental reimbursement coverage. State Farm’s rental reimbursement offers the following perks and options:

If you choose an in-network rental company, State Farm will pay the company directly (as opposed to reimbursing you if you choose an out-of-network company).

You choose your policy’s limits (e.g., $17 each day, up to $425 per occurrence).

If damage occurs more than 50 miles from home, you can receive up to $500 for food, lodging, and transportation, plus a return trip to pick up your car.

If you experience a covered-loss accident in a rental car, State Farm will pay up to $500 of the deductible.

Sports Car Coverage

While Subaru is best known for its SUV models, like the Forester and Outback, it also offers some impressive sports car options: the Subaru WRX and BRZ. In fact, Edmunds named the BRZ its top-rated standard sports car for 2024 and 2025.

Sports cars are more expensive to insure, for a few reasons. First, drivers tend to take advantage of their vehicles’ high-speed capabilities, making them prone to accidents. (Teen speeding, in particular, is a problem.) Additionally, sports cars often cost more to replace if they are stolen or totaled, and high-performance parts are more expensive to replace than regular parts.

State Farm doesn’t shy away from insuring sports cars and offers several ways to lower costs:

• Installing an alarm or another anti-theft device
• Adding a different vehicle to the policy for everyday driving. Insuring multiple cars also qualifies you for State Farm’s multi-car discounts
• Driving fewer miles in your sports car
• Maintaining a clean record, free of violations and at-fault accidents
• Completing a driver safety course

On average, it costs about $2,004  annually, or about $167  monthly, to insure a Subaru BRZ with State Farm.

In addition to providing a special discount for driving a new car, Allstate offers robust coverage options that make it a good choice for any Subaru model. The company has an A+ rating for financial strength from AM Best, meaning you can count on Allstate’s ability to pay for claims.⁴

New-Car Discount

A Subaru is often a good choice for a new car purchase. Kelley Blue Book named the the 2025 Subaru Outback as one of the most affordable midsize SUVs.⁵

If you own a new Subaru or plan to purchase one, Allstate offers a discount. To qualify, you must meet the following criteria:

• Your Subaru is the current model year or one year prior.
• You are the first owner of the Subaru.

Additionally, safety features that come standard with new Subarus, like anti-theft technology and anti-lock brakes, will earn you a discount.

Multiple Ways to Earn a Student Discount

Allstate makes it easier than other providers to earn a student discount, which can lower your bill when you add a young driver to your policy. Allstate offers a student discount for young drivers who fulfill any of the following:

• Full-time student who maintains at least a B-minus average, which is equivalent to a 2.7 GPA
• Full-time student who attends school at least 100 miles away and who drives at home only on breaks
• Student who completes the TeenSMART driver education program (full-time-student status is not required)

To apply for the discount, drivers must be under 25 years old and unmarried.

RV Coverage

Due to their all-wheel drive, height, and other capabilities, Subarus are popular among outdoor enthusiasts. The towing capacity of Subarus makes them a great choice for campers. The Subaru Forester offers up to 1,500  pounds of towing capacity  (3,000 pounds with the Wilderness Trim), while the Outback can pull up to 3,500 pounds. Subaru’s largest SUV, the Ascent, can tow up to 5,000 pounds.⁶

If you use your Subaru to tow a camper, an RV, or another type of motor home, Allstate offers coverage. You can purchase insurance for the following types of towable RVs:

• Conventional travel trailers
• Fifth-wheel travel trailers
• Folding camper trailers
• Horse trailers with sleeping quarters
• Travel trailers with expandable ends
• Truck campers

Additionally, Allstate offers coverage for motorized RVs, which are built on automotive frames and don’t need towing.

Available only to members of the U.S. military, veterans, and their families, USAA offers high-quality, affordable insurance. If you qualify for USAA, it’s a strong choice for any Subaru model.

Discounts for Young Drivers

If a young driver (under 25) is behind the wheel of your Subaru, USAA offers several ways to save:

• • Driver education: Young drivers earn a discount for completing an approved driver education course.
  • Good student: Full-time students who maintain a minimum B average (3.0 GPA), make the honor roll/dean’s list, or rank in the top 20 percent of their class get a discount.
  • Legacy customer: Young drivers under the age of 25 who are transitioning off their parents’ policies get 10 percent off, as long as they have maintained clean driving records  for three years prior to their own policy.
  • SafePilot program: A telematics program that rewards safe driving with a discount by tracking driving habits, like phone usage and braking via a smartphone app.

Strong Loan Terms

USAA offers other financial services in addition to auto insurance, including used- and new-auto loans. Whether you’re buying a new or used Subaru, USAA’s rates are competitive. If you are looking to buy or refinance your Subaru, USAA offers auto loans with rates as low as 4.09 percent APR. They offer terms up to 84 months, based on your credit, and will also  take .25 percent off your interest rate when you set up for automatic payments. Additionally, vehicles financed through USAA are eligible for total loss protection, which functions similarly to GAP coverage or loan/lease payoff. For an additional premium, USAA gives you an extra 20 percent of your Subaru’s actual cash value (ACV) in the event of a total loss to help cover the difference between the ACV and the replacement cost of a comparable vehicle.

Low Rates and Discounts

USAA has some of the lowest auto insurance rates for Subarus. On average, it costs about $96 per month to insure a Subaru Forester with USAA, $109 monthly for an Outback, and $126 for a BRZ. As with any provider, how much you pay will depend on a number of factors, like your Subaru model, your location and the coverages and limits you choose.

In addition to low baseline rates, USAA offers a number of discounts. You can qualify for a discount by doing one or more of the following:

• • Bundling auto insurance with another policy, like property or life insurance
  • Garaging your Subaru (or other vehicles on the policy) at a military base
  • Driving fewer miles or putting your car in storage while you are deployed
  • Signing up for automatic payments

GEICO offers competitive rates for Subaru drivers, with an average monthly premium of $99 for the Subaru Forester and $114 a month for the Outback. USAA offers comparable rates at $96 and $109 a month respectively, but it’s limited to military members and their families.

Discounts

In addition to providing affordable rates for your Subaru, GEICO also offers a wide array of discounts that can help lower your premium even more. Whether you’re a student, an active or retired federal government employee, or a driver with a new vehicle, GEICO likely has a discount for you. Here’s a full list of discounts GEICO has to offer:

Strong Digital Tools

If you’re a Subaru owner who likes to manage your insurance on your phone, GEICO is a great choice. You can update your policy, make a claim, access your insurance ID cards, and get roadside assistance, all through the company’s mobile app. The photo estimate tool allows you to upload photos after a fender bender and get a repair estimate in about 20 minutes.

The app also includes Vehicle Care, powered by Carfax, where you can check your Subaru’s service history, check for any open recalls, and create a personalized maintenance schedule.

The GEICO mobile app has a 4.8 star rating on Apple and a 4.6 star rating on Google play, and overall, users report positive, smooth experiences.

Competitive Rates for Customers with Low Credit

In many states, insurance companies are allowed to consider your credit score when calculating your premium. Having a low credit score can increase your premium by 80 percent. Full coverage auto insurance with GEICO runs on average $2,492 per year for customers with low credit, which is 26 percent lower than the national average of $3,377. If you’re a Subaru owner shopping for insurance with a low credit score, GEICO is a good place to start comparing quotes.

If you’re a Subaru driver who also plans on using your car to drive for Uber, Lyft DoorDash or UberEats, Progressive makes it easy to add rideshare coverage to your personal auto insurance policy.

When it comes to insuring your Subaru, Progressive’s prices run slightly higher than average. It costs $138 a month on average to insure a Subaru Forester, which is 13 percent higher than the national average of $122. For a Subaru Outback, Progressive charges $147 per month on average, which is almost 19 percent higher than the national average of $124. However, the rate you’re quoted may differ from the average, and you may decide the higher cost is worth it to gain access to specific add-ons.

Rideshare Coverage

If you’re using your Subaru to drive for Uber or Lyft, Progressive makes it easy for you to add rideshare coverage to your personal auto insurance policy. Rideshare coverage ensures that you’re protected during all phases of your driving job, including periods that are not typically covered by the insurance provided by the rideshare company, like when you are waiting for a ride request.

In addition, Progressive offers deductible reimbursement, which means that if your rideshare company’s insurance has a $1,000 deductible and your Progressive insurance has a $500 deductible, they’ll pay you the $500 difference.

Drivers with a DUI

A DUI on your record could raise your insurance cost by 83 percent. Progressive tends to offer more affordable rates for drivers with a DUI compared to other insurers. On average, full coverage with Progressive for a driver with a DUI is $2,770, which is about 16 percent lower than the national average of $3,305.

Accident Forgiveness

Progressive offers three types of accident forgiveness that keep your insurance rate from increasing even after an at-fault accident:

1. Small Accident Forgiveness: As a new Progressive customer, you automatically get this benefit. If your first claim is $500 or less, your rate won’t go up.
2. Large Accident Forgiveness: If you’ve been a Progressive customer for at least five years and have not had an accident or violation for five consecutive years, your rates won’t increase if you have a claim, even if the claim amount exceeds $500.
3. Progressive Accident Forgiveness: You can purchase this add-on which allows for one eligible accident to be forgiven per policy period without your rate going up.