Subaru car insurance

Q: What type of car insurance do you need for a Subaru?

Each state has minimum required car insurance coverages , regardless of the type of car you drive. Depending on your state, you'll need at least liability insurance for your Subaru.

Subaru got its start as an affordable car and has a reputation for safety, reliability, and base-model all-wheel drive capabilities. Buying Subaru car insurance is the same process as other cars. Find out the different coverage options available and tips for getting the best price on car insurance for your Subaru.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

How much does car insurance for a Subaru cost?

The 2019–2021 Subaru Ascents and the Foresters took the top two spots in our article on cars that may be cheaper to insure due to their low frequency of bodily injury claims. But your Subaru insurance cost will ultimately depend on details such as the model of Subaru you have, your plans for using the vehicle, where you live, your driving record, and other factors. For example, in some locations, the cost to insure a vehicle is lower than in other areas.

If you compare the MSRP of other similar vehicles using Edmunds' compare cars tool, you'll see that a Subaru Outback may cost less than a Honda CR-V but more than a Jeep Compass. Based on MSRP alone, the Subaru may be cheaper to insure with comprehensive and collision than the Honda but more expensive than the Jeep.

But the value of the vehicle is only one of several rating factors that determine your car insurance cost. Learn about the other factors that influence car insurance rates. If you'd like to estimate how much car insurance will cost, get a car insurance quote today.

Pro tip:

Like with any car, your Subaru's characteristics may affect your rate differently based on the coverages you select. For example, a car's value can affect your rate more if you carry comprehensive and collision coverages since those cover damages to your vehicle.

How can I lower my Subaru car insurance rate?

Subaru owners may be able to get cheaper car insurance by qualifying for easy discounts like signing online^* or going paperless.^† Find out how else you can save with Progressive by exploring all our car insurance discounts and the various ways you might lower your car insurance rate.

What type of car insurance do you need for a Subaru?

Each state has minimum required car insurance coverages, regardless of the type of car you drive. Depending on your state, you'll need at least liability insurance for your Subaru. You may also be required to get:

Consider getting the optional comprehensive and collision coverages for your Subaru in case it's in an accident or stolen or damaged by another unexpected event outside of your control. Lenders typically require these coverages if you have a loan or lease on the car.

Learn more about the types of car insurance coverage.

What are the most popular Subaru car models?

The Outback was Subaru's most popular car in 2023, according to Subaru's year-end sales press release, followed closely by the Crosstrek.

Subaru models include:

SUVs and crossovers: Crosstrek, Forester, Outback, Ascent, Solterra
Sedans: Impreza, Legacy
Performance: BRZ, WRX

The popular Subaru Crosstrek, an IIHS-HLDI Top Safety Pick, also comes in a plug-in hybrid version. Subaru released its first fully electric vehicle in the 2023 Solterra — learn about insurance for electric cars.

Subaru makes an impressive showing in safety ratings. Consider one of these award-winning options if you're buying a new car or shopping for a used car.

Subaru's IIHS-HLDI Top Safety Pick+ models include:

2023-2024 Subaru Outback: Midsize 4-door wagon
2024 Subaru Impreza: Small 4-door wagon
2023 Subaru Ascent: Midsize 4-door SUV
2023 Subaru Solterra: Small 4-door SUV (award applies only to vehicles built after October 2022)

And Subaru's IIHS-HLDI Top Safety Picks (a level down in ranking from the previous list) include:

2024 Subaru Crosstrek: Small 4-door wagon
2023 Subaru Legacy: Midsize 4-door sedan
2023 Subaru Forester: Small 4-door SUV

The Subaru Ascent model appears on the IIHS 2020-2022 list for lowest vehicle theft claims. When a model's risk of car theft is lower, that can potentially translate to a lower insurance premium, particularly if you have comprehensive coverage. The Ascent has several anti-theft features, including:

Ignition disable device
Stolen vehicle recovery (can immobilize your stolen vehicle)
STARLINK Safety and Security
Secret passcode

Fast facts about Subaru cars

Subaru is committed to giving back to various nonprofits, such as the ASPCA, Make-A-Wish Foundation, and Meals on Wheels America.
In 1975, Subaru introduced the 4WD wagon, the first four-wheel drive passenger car sold in the U.S. Subaru is also one of the first companies to offer optional four-wheel drive in all models.
Subaru has the first zero-waste-to-landfill automotive plants. All Subarus are built in zero-landfill plants where 100% of waste is recycled or turned into electricity.