Subaru vehicles are known for reliability and safety and are a popular choice for drivers in the United States. If you own a Subaru or if you’re considering buying one, it’s important to consider your insurance options. Keep reading to learn more about the options you have for insuring your Subaru and explore average rates for different models.
Insuring Your Subaru
The make, model, and MSRP of a vehicle are all important considerations for insurance companies when determining rates. Fortunately, Subaru vehicles have a variety of features that can make them easier to insure than other vehicles. This is one great reason to consider Subaru when looking for a new vehicle. Here are three of the primary factors that often make Subarus easy to insure:
- Safety: Subarus have a reputation for being safe on the road and include a wide range of safety and anti-theft features to protect both drivers and passengers. In many cases, the overall safety of a Subaru can make it less expensive to insure.
- Reliability: Subarus are generally very reliable vehicles, which can reduce risk for insurance companies and make them cheaper to insure.
- Cost: When calculating the cost of coverage, insurance companies consider the original MSRP of the vehicle in question. Subarus are often competitively priced, which can lower insurance payments for drivers.
Insurance Providers for Your Subaru
Subaru insurance is available from most major car insurance providers in the United States. Every company calculates prices differently, and it’s important to research your options and compare rates before purchasing coverage. Service areas are also different for each company, and it’s helpful to see which providers have the best options in your zip code. Some of the most popular insurance providers are Progressive, Liberty Mutual, AAA, State Farm, GEICO, Allstate, and Farmers. If you’re interested in the rates, bundle options, and discounts that these companies offer, consider visiting their websites for more information.
How Much Does Subaru Insurance Cost?
Insurance companies take many different factors into account when determining insurance payments, and rates are often tailored to each individual and their vehicle. When evaluating your eligibility, insurance companies will consider your driving record, your credit history, your age, how much you drive, and where you live. They will also consider the make, model, and year of your car, as well as its MSRP and safety features. The best way to find out how much you’ll pay is by contacting an agent at your preferred provider or using online payment calculator tools.
Although payments will depend on your unique situation, Finder.com has collected some information on average Subaru insurance rates. It determined that the average yearly cost of insuring a Subaru ranges from $1,269 to $2,388. This means average monthly payments of between $108 and $199. Finder calculated these rates by comparing costs from the four top insurers for a California driver with a clean record.
The average cost of Subaru insurance also varies based on the model and year. The Zebra collects information on rates for different models and gives the following average monthly payments:
- Outback: $118
- Forester: $117
- Impreza: $127
- Crosstrek: $118
- BRZ: $160
- Tribeca: $83
- WRX: $111
What To Look For In an Insurance Policy
There are many different factors to consider when purchasing insurance for your vehicle, including:
- Affordability: Price is one of the most important factors for many drivers looking for insurance, but it can be challenging to gauge accurately. In order to get an accurate idea of your future costs, speak to an agent so that they can factor in details about you and your vehicle.
- Coverage options: Car insurance companies offer a wide variety of coverage options for different needs. Make sure that your provider offers comprehensive and collision protection, third-party coverage, and theft protection.
- Roadside assistance: Even with a reliable Subaru, you may experience mechanical troubles on the road. Make sure that your insurer offers roadside assistance, including towing, fuel delivery, locksmithing, and roadside repairs.
- Telematics: Telematics is a new technology that allows customers to lower their payments by installing a device that reports your driving habits directly to the insurance company. If you’re a safe, careful driver, you might receive an additional discount based on this telematic data.
- Customer service: When setting up your policy and filing claims, you’ll spend a lot of time in contact with our insurance agent. Before choosing a provider, do some research and make sure that the company has a good record of customer service.
- Special features: Many insurance companies offer special coverage for things like travel interruption, rideshares, rental cars, business trips, international travel, and medical expenses. If you have any special requirements, make sure that your provider offers the right features.
How To Get Good Rates on Subaru Insurance
There are many ways to lower your current rates or find an affordable plan for your new Subaru. Here are some steps you can take to save money on car insurance:
- Shop around: Get quotes from multiple providers and compare them, even if you already have a policy.
- Drive safely: Maintain a good driving record and drive in safe conditions.
- Use telematics: Register for telematics to lower your rates.
- Look for discounts: Ask your insurance agent about the discounts available to you.
- Be realistic: Determine your actual coverage needs. Review your current policy and ensure that you aren’t paying for features you don’t need.
Subaru Advantage Insurance
Subaru owners have a special insurance option designed especially for them. This is Subaru Advantage Insurance, which is a partnership between Subaru and Liberty Mutual. Subaru owners can personalize their policies based on what they need, increasing savings. They may also have access to a wide variety of perks including accident forgiveness, genuine Subaru replacement parts, new car replacement, and 24-hour roadside assistance.
That’s a quick overview of the different insurance options available for your Subaru. Hopefully, this will help you find a policy that meets your needs at a competitive price. Prices and conditions can change quickly in the insurance market, and it’s important to do some further research on rates in your area before purchasing coverage. Most insurance companies allow you to see what policies you qualify for through their websites, and you can also call your preferred carrier if you want to speak directly with an agent.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.