The top five insurance providers for your Subaru
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.
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.
|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|
Best Overall: State Farm
Best for New Cars: Allstate
Best for Military: USAA
Best for Additional Coverage Options: Liberty Mutual
Best for High-Risk Drivers: Direct Auto
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
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:
Although the cost of insuring a teen driver is the highest of any age group, State Farm offers several discounts for young drivers:
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:
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:
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.
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
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:
Additionally, safety features that come standard with new Subarus, like anti-theft technology and anti-lock brakes, will earn you a 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:
To apply for the discount, drivers must be under 25 years old and unmarried.
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:
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.
If a young driver (under 25) is behind the wheel of your Subaru, USAA offers several ways to save:
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.
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.
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:
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.
Together with Subaru, Liberty Mutual offers an insurance package called Subaru Advantage Insurance. In addition to typical coverages, the plan provides the following benefits:
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:
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:
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.
There are a number of reasons standard providers may consider you high-risk and refuse to cover you, such as the following:
Direct Auto specializes in insuring high-risk drivers. It offers the following coverage 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:
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%|
|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%|
To find the best auto insurance companies for Subarus, we used a three-part approach:
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.
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.
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.
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.
Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds. J.D. Power. (2022, Jun 13).
Safe vehicles for teens. Insurance Institute for Highway Safety (IIHS). (2022, May 26).
Search for a Rating. AM Best. (2023).
Best SUVs of 2023. Kelley Blue Book. (2023).
Best Subaru for Towing. Subaru. (2022).
December Car Loan Rates (APR) in the U.S. for Used and New Cars. Edmunds. (2022).
USAA’s Top 10 Vehicles for the Military Community. USAA. (2021, Jun 15).
Results by Complaint Index. National Association of Insurance Commissioners. (2022).