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Icon CheckLast updated: January 19, 2023

The Best Auto Insurance for Subaru

The top five insurance providers for your Subaru

Best Overall
State Farm Logo

With affordable rates, numerous discounts, and solid customer service, State Farm is as reliable as your Subaru. It’s the most popular insurer in the U.S. and a good option for any Subaru vehicle.

Best for a New Subaru
Allstate Logo

Allstate offers a special new-car discount, plus online car shopping assistance, making it a good choice for a new Subaru purchase. In addition, the company offers a solid student discount and multiple roadside assistance options.

Founded in the early 1950s, Subaru attracts a devoted customer base that values the vehicles’ durability and signature all-wheel drive. As with any manufacturer, the cost of insuring a Subaru depends on the model. The Subaru Forester and Outback — no-nonsense, compact SUVs — tend to be the cheapest to insure, whereas the Subaru BRZ, a high-performance sports car, is usually the most expensive to insure.

To find the cheapest insurance for you, it’s best to compare quotes from at least three car insurance companies. We’ve assembled our top picks — the companies with the best coverage for the lowest car insurance rates — for your Subaru.

Comparison of the Best Auto Insurance for Subaru

Provider What it’s best for Average monthly cost to insure a Subaru Forester Average monthly cost to insure a Subaru Outback RV coverage GAP coverage Full review
State Farm Overall $108 $95 Yes If financed with State Farm State Farm review
Allstate New cars $144 $158 Yes Yes Allstate review
USAA Military $90 $94 Yes If financed with USAA USAA review
Liberty Mutual Additional coverage options Unknown $101 Yes Yes Liberty Mutual review
Direct Auto High risk Unknown Unknown No Yes Direct Auto review

Summary of the Best Auto Insurance for Subaru

  1. 1.

    Best Overall: State Farm

  2. 2.

    Best for New Cars: Allstate

  3. 3.

    Best for Military: USAA

  4. 4.

    Best for Additional Coverage Options: Liberty Mutual

  5. 5.

    Best for High-Risk Drivers: Direct Auto

Detailed List of the Best Auto Insurance for Subaru

1. Best Overall - State Farm

What We Like Most:

  • Local agents
  • Rideshare insurance available
  • Discounts for having multiple cars

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. It holds above-average ratings for customer satisfaction from J.D. Power, with a top ranking in the Southwest region of the U.S.1

ProsWho It's Best For
  • pro
    Families with young drivers
  • pro
    Customers who plan to purchase rental car reimbursement
  • pro
    Drivers of Subaru BRZs or WRXs
  • pro
    Customers who are seeking bundling options
ConsWho It's Not Best For
  • con
    People who need GAP coverage and didn’t finance with State Farm
  • con
    Customers in Massachusetts and Rhode Island, where State Farm no longer sells new policies

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:

  • Crosstrek
  • Impreza (sedan or wagon)
  • Legacy
  • Outback2

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.
  • 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.

FYI


Rental reimbursement is available only for incidents where comprehensive or collision coverage applies.

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 2022 and 2023.

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 a number of ways to lower costs:

  • Installing an alarm or another anti-theft device
  • Adding a different vehicle to the policy for everyday driving
  • 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 $1,731 annually, or about $144 monthly, to insure a Subaru BRZ with State Farm. The WRX is less expensive to insure, at around $1,253 annually or $104 monthly.

2. Best for New Cars - Allstate

What We Like Most:

  • Low rates for teen drivers
  • A+ rating from AM Best means financial stability
  • Great customer service

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.3

ProsWho It's Best For
  • pro
    Drivers of new Subarus
  • pro
    Households with drivers under age 25
  • pro
    People who want to insure RVs in addition to Subarus
  • pro
    Customers who plan to purchase roadside coverage
ConsWho It's Not Best For

New-Car Discount

A Subaru is often a good choice for a new-car purchase. Kelley Blue Book named the 2023 Subaru Crosstrek as one of the best new subcompact SUVs and the 2023 Subaru Outback as one of the best new midsize SUVs.4

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 20 percent 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, while the Outback can pull up to 2,700 pounds. Subaru’s largest SUV, the Ascent, can tow up to 5,000 pounds.5

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.

3. Best for Military - USAA

What We Like Most:

  • Lowest rates for military members, veterans, and their families
  • Rideshare insurance available
  • Usage-based insurance available for low-mileage drivers

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.

ProsWho It's Best For
  • pro
    Individuals affiliated with the U.S. military
  • pro
    Families with young drivers
  • pro
    People who plan to finance their Subarus with auto loans
  • pro
    Customers who are seeking low rates
ConsWho It's Not Best For
  • con
    Nonmilitary individuals
  • con
    Households with rideshare drivers

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 transitioning off their parents’ policies get 10 percent off, as long as they hold clean driving records and were on the previous policy for at least three years.

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.

Category New vehicle Used vehicle
USAA starting APR 4.49% 4.74%
Average national APR, according to Edmunds6 6.61% 10.15%

Additionally, vehicles financed through USAA are eligible for total loss protection, which functions like GAP coverage or loan/lease payoff. For an additional premium, USAA will pay the difference between your Subaru’s actual cash value and how much you owe, in the event of a total loss.

Low Rates and Discounts

USAA has some of the lowest auto insurance rates for Subarus. On average, it costs about $90 monthly, or a little under $1,100 annually, to insure a Subaru with USAA. 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 particular, USAA offers some of the most competitive rates for Subaru Outbacks and Foresters, which are two of the most popular models for USAA members. Plus, the company offers competitive rates for Subaru’s sports car models, the BRZ and WRX.

FUN FACT:


According to USAA, the Subaru Outback and Forester are the seventh- and 10th-most-popular vehicles (among any make) for its members, respectively.7

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
4. Best for Additional Coverage Options - Liberty Mutual

What We Like Most:

  • Save up to 30 percent with driver monitoring program
  • Cheap average rates
  • Over 2,000 local agents throughout the U.S.

Liberty Mutual partners with Subaru to offer a special insurance plan called Subaru Advantage Insurance, which comes with several perks. Regardless of whether you choose this plan, Liberty Mutual offers a number of coverage options for your Subaru.

ProsWho It's Best For
  • pro
    People who are looking for additional coverage options
  • pro
    Military members and teachers
  • pro
    People who drive their Subarus to Mexico
  • pro
    Customers who want to purchase stand-alone GAP coverage
ConsWho It's Not Best For
  • con
    Subaru drivers who prioritize customer satisfaction, as Liberty Mutual has over twice as many customer complaints than average8
  • con

Subaru Advantage Insurance

Together with Subaru, Liberty Mutual offers an insurance package called Subaru Advantage Insurance. In addition to typical coverages, the plan provides the following benefits:

  • Towing to the nearest Subaru dealership in the event of a breakdown
  • Original manufacturer parts from Subaru for repairs
  • New-car replacement if your new Subaru is totaled before two years or 30,000 miles
  • Bicycle replacement if someone steals your bicycle from your Subaru
  • Accident forgiveness for a driver with a clean driving record
  • 24-hour claims assistance

Perks for Teachers

If you’re a teacher, Liberty Mutual may be a good choice. The company offers a discount on auto insurance for teachers, as well as the following benefits:

  • Protection from losses due to vandalism: If someone vandalizes your vehicle on school grounds or during a school event, you pay a $0 deductible.
  • Coverage for school-related property: If someone steals or damages teaching materials or school-owned property in your vehicle, Liberty Mutual will cover up to $2,500 in losses for each occurrence.
  • $0 collision deductible: If your Subaru sustains damage while you’re driving on school business, you will pay a $0 deductible, except in Pennsylvania, where your deductible will be $100.

Mexico Car Insurance

Most U.S. auto insurance policies have limited or no validity in Mexico, so if you’re planning to drive your Subaru to Mexico, you’ll need a special policy.

Liberty Mutual partners with Mexpro to get customers coverage with authorized Mexican insurers. You can purchase coverage for as little as a day and up to a year. As with your U.S. policy, you can customize your coverage limits and options, and you’ll receive a car insurance quote to review before you purchase a policy.

In addition to insurance for your car, you can purchase coverage for additional vehicle types:

  • ATVs and UTVs
  • Motorcycles
  • RVs
  • Towables (e.g., camper trailers)
5. Best for High-Risk Drivers - Direct Auto
Direct Auto Logo

What We Like Most:

  • Low rates for high-risk drivers
  • Can pay in cash locally
  • Save money by bundling with life insurance

In business since 1991, Direct Auto specializes in auto insurance for high-risk drivers. It’s a good choice for people who might be turned away by standard insurers, including drivers with histories of DUIs or who require SR-22s.

ProsWho It's Best For
  • pro
    Drivers with DUIs, at-fault accidents, low credit, or other high-risk designations
  • pro
    Customers who want flexible payment options
  • pro
    People who are looking for discounts
  • pro
    Customers who are seeking to purchase accidental death coverage and/or life insurance
ConsWho It's Not Best For
  • con
    Drivers who can find standard insurance coverage
  • con
    People who don’t live in one of the following places:
    • Alabama
    • Arkansas
    • Delaware
    • Florida
    • Georgia
    • Louisiana
    • Michigan
    • Mississippi
    • North Carolina
    • Ohio
    • Pennsylvania
    • South Carolina
    • Tennessee
    • Texas
    • Virginia
    • Washington

Nonstandard Insurance Coverage

There are a number of reasons standard providers may consider you high-risk and refuse to cover you, such as the following:

  • ​​Having a history of traffic violations, at-fault accidents, or DUI convictions
  • Living in an area with high rates of vandalism or theft
  • Having a credit score under 600
  • Not having a substantial driving history, like if you are a teen driver or an undocumented immigrant
  • Violating the terms of your insurance, not paying on time, or not having an insurance record

Direct Auto specializes in insuring high-risk drivers. It offers the following coverage options:

  • Bodily injury liability
  • Property damage liability
  • Collision and comprehensive
  • Accidental death
  • Medical payments
  • Rental reimbursement
  • Towing and labor
  • Uninsured/underinsured motorist

Flexible Payment Options

DUIs, accidents, and similar incidents can result in a financial strain due to legal fees, hospital bills, and other expenses. If your budget is tight, you might benefit from Direct Auto’s flexible payment options:

  • Date: Pick the day of the month to pay your bill, allowing you to schedule around paychecks and other anticipated income.
  • Method: Choose the best way for you to pay, such as automatic payments, one-time payments, e-check, phone, or cash at a Direct Auto location or partner location.
  • Monthly amount: Pay more upfront and lower your monthly bill, or vice versa, like a down payment.
  • Schedule: Decide how often you pay, such as upfront in full, a few installments per year, or monthly.

Numerous Discounts

Typically, nonstandard auto insurance costs more than standard insurance. The exact amount will depend on the reason for your high-risk designation. In particular, DUIs impact insurance costs substantially. Direct Auto offers an array of discounts that can help lower your bill.

Discount Savings up to
Active-duty military (available in Alabama, Florida, and Louisiana) 25%
Violation- and accident-free for at least three years 10%
Full-time student of any age with at least a B average (3.0 GPA), on the honor roll, or in the top 20% of the class (must be unmarried) 10%
55 and older and completed an accident prevention course 5%
Defensive driver course completed in past three years (any age eligible) 10%
Track your driving habits with the Routely telematics app (DynamicDrive program) 10%
Insure multiple vehicles within the same household 25%
Automatic bank draft payments 5%
Paperless 1%
Pay in full 9%
Anti-theft technology that includes an active recovery device or a tracking system (available with Subaru Starlink) 10%
New vehicle (current model year, or last three model years in Virginia) 2%
Single or dual airbag system, which is standard with all Subarus (available in Florida and Pennsylvania) 10%
Anti-lock brakes, which are standard on all Subarus (available in Florida) 5%
Bundle motorcycle and/or commercial auto insurance 10%
Buy another Direct Auto product (e.g., roadside assistance) 5%
Prior liability coverage with another company for at least six months, with a lapse of fewer than 90 days 25%
Own a home or condo where you park your car 15%
Previous Direct Auto policyholder, but not in the past six months 6%

Methodology

To find the best auto insurance companies for Subarus, we used a three-part approach:

  1. Provider information: We assemble data on each insurance company — its average costs, coverages, discounts, availability by location, and more. We also compile information from third-party sources — like the Better Business Bureau, the National Association of Insurance Commissioners, AM Best, J.D. Power, Moody’s, and S&P Global Ratings — to assess factors such as providers’ customer satisfaction and financial strength. We prioritized the companies that offered the best coverage for Subaru vehicles at the most competitive prices.
  2. Proprietary data: At AutoInsurance.com, we have matched customers with policies for two decades. Our database holds millions of data points from customer transactions, which we analyze to determine the best policies for Subaru drivers based on their needs and budget.
  3. Institutional expertise: Our team knows each auto insurance provider inside and out, including strengths and weaknesses. We draw on the expertise of the president of insurance services at Centerfield (AutoInsurance.com’s parent company), Paul Ford. Paul has worked in the auto insurance industry for 30 years, with time at Canadian Access, Bankrate, Capital One Insurance Services, InsLogic, NetQuote, and Datalot.

FAQs

How much is car insurance for a Subaru Impreza?

The average cost to insure a recent model Subaru Impreza is $1,391 per year, or $116 monthly. How much you pay will depend on the model year of your Impreza, as well as other factors, like your driving history, chosen coverages, and where you live.

What is the cost of car insurance for a Subaru Crosstrek?

The average cost to insure a recent model Subaru Crosstrek is around $1,298 annually, or $108 each month. The exact amount depends on the model year, your location, coverages, and other factors.

Why is Impreza insurance so high?

An Impreza may be expensive to insure if it’s a new model year, if you live in an area with high rates of theft and vandalism, or if you carry another high-risk designation. Generally, Subaru Imprezas are less expensive than other cars to insure because they are inexpensive to repair and have low horsepower, making them less prone to accidents.

How much does it cost to insure a Subaru WRX?

The average cost of full coverage car insurance for a Subaru WRX is around $2,073 annually or $172 monthly. The WRX is a sports car, making it more expensive to insure.

Citations

  1. Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds. J.D. Power. (2022, Jun 13).
    https://www.jdpower.com/business/press-releases/2022-us-auto-insurance-study

  2. Safe vehicles for teens. Insurance Institute for Highway Safety (IIHS). (2022, May 26).
    https://www.iihs.org/ratings/safe-vehicles-for-teens

  3. Search for a Rating. AM Best. (2023).
    https://ratings.ambest.com/

  4. Best SUVs of 2023. Kelley Blue Book. (2023).
    https://www.kbb.com/suv/

  5. Best Subaru for Towing. Subaru. (2022).
    https://www.brooklynparksubaru.com/custom-subaru-towing-capacities/

  6. December Car Loan Rates (APR) in the U.S. for Used and New Cars. Edmunds. (2022).
    https://www.edmunds.com/car-loan-apr-interest-rate/

  7. USAA’s Top 10 Vehicles for the Military Community. USAA. (2021, Jun 15).
    https://communities.usaa.com/t5/Going-Civilian/USAA-s-Top-10-Vehicles-for-the-Military-Community/ba-p/248808

  8. Results by Complaint Index. National Association of Insurance Commissioners. (2022).
    https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=23043&:refresh