Best Auto Insurance for Subarus in 2026

Erie, USAA, and Liberty Mutual have the best auto insurance for Subarus. State Farm has the cheapest Subaru insurance starting at $61 monthly.

With high safety and crash-test ratings, Subarus are one of the cheapest vehicles to insure. Full coverage starts at $150 a month with Travelers.

Not all insurers price Subaru policies the same way. Finding the right provider is a balance of budget, coverage, and discounts.

Top 10 Companies: Best Auto Insurance for Subarus

In this guide, we break down the best Subaru insurance companies, where to find OEM parts coverage for off-road models, and which providers offer the biggest savings for Subaru’s advanced safety features.

Start comparing car insurance quotes for Subarus for free with our comparison tool. Enter your ZIP code to get started.

Understanding Subaru Insurance Costs

Subaru vehicles consistently earn high ratings from the Insurance Institute for Highway Safety (IIHS) for crash safety and crash avoidance. Learn More: What does the Insurance Institute for Highway Safety do?

Subaru’s long track record of top safety ratings significantly reduces the risk of severe accidents, and insurers translate that into cheaper premiums for drivers.

Different Subarus have different safety ratings, so the model you drive will impact premiums, with auto insurance for Subaru Impreza drivers being the most affordable.

Your Subaru insurance quote will also depend on your age and driving record, so compare multiple options before you buy.

How Driver Age Impacts Subaru Premiums

Cheap teen car insurance can be hard to find because new drivers lack experience behind the wheel, which increases the risk of collisions and reckless behavior, like speeding.

Fortunately, because of their high safety and reliability ratings, Subarus are very affordable vehicles to insure for teens. New drivers pay less than $200 a month for minimum coverage.

Monthly rates drop to around $70-$75 as drivers reach their 40s and 50s, as long as they maintain a clean driving record.

Find out how to compare auto insurance companies, because many providers offer Subaru coverage for less than $70 a month, including State Farm at $61 monthly and Erie at $62 per month.

How Driving History Affects Insurance for Subarus

State Farm, Erie, and American Family have the cheapest auto insurance for Subarus, regardless of your driving record.

Safe drivers with a clean record get the lowest rates, but most Subaru insurance companies keep rates under $100 a month after a speeding ticket or accident. Learn how speeding tickets affect auto insurance.

Subaru Auto Insurance Monthly Rates by Driving Record

As one of the IIHS’ top safety picks, insurers consider Subarus to be low-risk vehicles. Even if the driver is high-risk, the vehicle’s safety technology and cheap repair costs can keep premiums manageable after a claim or citation.

How much does Subaru car insurance cost after a DUI? DUIs and DWIs raise Subaru insurance rates the most, but State Farm and Erie cost $10-$15 less per month than the competition.

Comparing Minimum and Full Coverage Subaru Insurance

Getting a Subaru car insurance quote often shows that the price difference between liability-only and full coverage is smaller than expected due to its safety advantages.

State Farm and Erie have the cheapest car insurance for Subarus for both types of coverage. Compare Now: State Farm vs. Progressive Auto Insurance

Subaru Auto Insurance Monthly Rates by Coverage Level

Liberty Mutual is the most expensive provider, with full coverage costing $178 a month. However, it offers more full coverage add-ons than other providers, and rates increase for this premium coverage.

Carrying only the minimum coverage will get you the cheapest Subaru insurance rates, but full coverage is recommended to protect your vehicle after an accident.

Full coverage, typically including collision and comprehensive policies, protects against both accidents and non-collision events, making it a smarter choice for newer Subaru models.

If you do drive a new Subaru, your auto loan might require full coverage. The same applies if you’re leasing a model. Get More Details: Best Auto Insurance for Leased Vehicles

Subaru Insurance Cost for Different Models

How expensive are Subarus to insure? When compared to other SUVs, the Subaru Forester is one of the more expensive options at $186 monthly for full coverage.

However, the Forester is cheaper to insure than a Toyota Rav-4, and its costs are comparable to similar Honda and Jeep models. Read More: Best Auto Insurance for Jeeps

Subaru Forester vs. Similar SUVs: Auto Insurance Monthly Rates

Why is Subaru insurance so expensive? SUV insurance always costs more than coverage for a sedan or coupe since larger vehicles have more potential for damage in collisions and wrecks.

But when you compare Subaru car insurance rates by model, Forester insurance falls in the middle. Coverage is cheaper than auto insurance for a Subaru Outback since the Forester earned Top Safety Pick ratings from the IIHS.

Subaru Auto Insurance Monthly Rates by Model

Auto insurance for the Subaru WRX, a sports car, is the most expensive, with full coverage costing $215 a month. The cheapest Subaru to insure is the Impreza at $70 monthly for minimum coverage and $168 a month for full coverage.

If you’re in the market for a pricier model, consider driving a used car. Premiums are often cheaper on older models, and you can find affordable auto insurance for 2022 Subarus more easily than a brand-new car.

Easy Ways to Save on Subaru Car Insurance

Subaru vehicles are often cheaper to insure than average, thanks to their strong safety ratings, but there are still several ways drivers can lower their premiums.

Whether you have a clean record or fall into a higher-risk category, taking advantage of discounts and making a few smart policy choices can save you money on Subaru car insurance.

• Bundle and Shop Strategically: Even high-risk drivers can lower costs by comparing multiple providers and bundling policies like home and auto to get lower rates.
• Drive an Older Model: Auto insurance for 2021 Subarus will be cheaper than on new models because vehicle value and repair prices drop.
• Enroll in Usage-Based Plans: Usage-based insurance (UBI) tracks driving habits and rewards safer behavior with discounts over time.
• Maintain Continuous Coverage: Avoiding insurance lapses helps keep rates lower and shows insurers you’re a more reliable policyholder.
• Take Advantage of Safety Features: Subaru’s EyeSight Driver Assist Technology and strong crash-test ratings can qualify drivers for safety discounts with many insurers.

Many insurance providers offer safety device and anti-theft insurance discounts to Subaru drivers with certain models that have these advanced features.

Other popular Subaru car insurance discounts include good driver and multi-vehicle discounts.

Top Auto Insurance Discounts for Subaru Drivers

Nationwide has the biggest savings of up to 40% for safe drivers, while Geico and Liberty Mutual stand out with the largest multi-vehicle discount of 25%.

Travelers offers smaller discounts for things like bundling or insuring multiple vehicles, but it’s 30% usage-based discount with Intellidrive is competitive. Compare Travelers vs. American Family auto insurance for more savings.

Popular Insurance Policies for Subaru Drivers

Liability insurance is required in all states, but you’ll need to carry full coverage with collision and comprehensive if you’re leasing a Subaru or driving a new model.

Some states require personal injury protection or MedPay coverage to cover injuries, and you may want to add additional policies for specific coverage.

• Collision and Comprehensive Coverage: Collision insurance pays for damages after an accident, while comprehensive insurance covers theft and weather damage.
• Liability Coverage: Covers injuries and property damage you cause to others in an accident, and is typically required by law.
• OEM Parts Coverage: Ensures repairs use original equipment manufacturer parts instead of aftermarket alternatives.
• Rideshare Coverage: Rideshare insurance extends your personal policy to cover you while driving for services like Uber or Lyft.
• Uninsured/Underinsured Motorist Coverage: UM/UIM covers your costs if you’re hit by a driver who has little or no insurance.

If you use your Subaru off-road, adding OEM parts coverage can help maintain your vehicle’s integrity as you traverse rough terrain.

These additional policies can raise your rates, but will help you save money if you ever need to file a Subaru insurance claim.

Depending on the coverage you’re looking for, you may need to compare multiple companies. Not all providers offer the same policies.

Allstate and Travelers are the only Subaru insurance companies that don’t offer coverage for OEM parts.

Subaru Auto Insurance Coverage Options by Provider

Erie, USAA, and Liberty Mutual offer all four types of popular Subaru auto insurance policies, including rideshare coverage and OEM parts.

Check out the best insurance comparison sites to find companies with the policies you’re looking for if you don’t see them here.

List of the Top Subaru Insurance Companies

Erie, USAA, and Liberty Mutual have the best car insurance for Subarus. USAA has a larger market than the other two, but Erie and Liberty Mutual have higher customer satisfaction ratings than popular providers like Geico and Progressive.

State Farm is the most popular Subaru auto insurance company, likely because it’s also the cheapest at $61 a month.

Larger providers, including Geico vs. Allstate, have a national reach, whereas regional providers like Erie operate in only 12 states.

It’s important to compare Subaru car insurance online before you buy to see which is the best company for you. The most popular option may not fit your coverage needs, so shop around to find the right balance of price and protection.

#1 – Erie: Top Pick Overall

Pros

• Rate Lock Premiums: Subaru car insurance is affordable with Erie, at $62 a month, and Rate Lock allows drivers to lock in low rates until they move or add a new driver.
• Top-Rated Claims Service: Erie is the #1 insurance company for claims and customer service in recent J.D. Power surveys. Get full ratings in our Erie Insurance review.
• Bundling Discounts: Subaru drivers save 25% when they bundle Erie car insurance with a home or renters policy.

Cons

• Regional Availability: Erie car insurance for Subarus is only available in 12 states, so you may need to pick another company on this list if you live outside the service area.
• No Online Claims Tracking: You cannot file Subaru insurance claims online. You must call an agent or connect with one via email.

#2 – USAA: Best for Military Savings

Pros

• Affordable Rates: Subaru auto insurance rates start at $64 a month but drop significantly with USAA’s unique military discounts.
• Deployment Discounts: Subaru drivers can save up to 60% on coverage for safely storing their vehicle while they’re deployed.
• Savings for Good Drivers: Save up to 30% for avoiding claims and citations, practicing safe driving habits, and avoiding driving at night.

Cons

• Restrictive Coverage: USAA is only available to Subaru drivers in the military or if someone in their immediate family is. Learn how to qualify in our USAA Insurance review.
• Fewer Local Branches: As USAA becomes more streamlined for mobile management, Subaru drivers who prefer in-person support may find fewer local offices.

#3 – Liberty Mutual: Best for Policy Add-Ons

Pros

• New Car Replacement: This add-on replaces a new Subaru if it’s totaled in a covered event within the first two years.
• Rideshare Endorsements: Delivery and rideshare drivers can add endorsements to their personal Subaru policy to cover the gaps in the rideshare company’s coverage.
• Deductible Fund: Every year you go without filing a claim, Liberty Mutual adds $100 to a fund that can be applied to your deductible if you do end up filing one.

Cons

• Premium Rates: Liberty Mutual has the highest Subaru insurance rates, with minimum coverage over $70 a month. Compare free quotes in our review of Liberty Mutual.
• Mobile App Limitations: Some Subaru drivers report that policy services aren’t as streamlined as other companies’ apps.

#4 – Nationwide: Best for Usage-Based Plans

Pros

• SmartRide Telematics Discount: Nationwide SmartRide tracks driving habits, like speed, braking, and time of driving, to calculate a discount between 10% and 40%.
• SmartMiles Pay-Per-Mile: Nationwide SmartMiles charges a flat fee plus a percentage charge based on how many miles per month you drive your Subaru.
• Fewer Customer Complaints: Nationwide has half as many customer complaints as other Subaru car insurance companies.

Cons

• Mileage Restrictions: Subaru owners who drive more than 10,000 miles per year won’t qualify for Nationwide SmartMiles.
• Higher Monthly Rates: Nationwide is more expensive than most companies on this list if you don’t qualify for UBI discounts. Start comparing quotes in our Nationwide review.

#5 – State Farm: Best for Local Agents

Pros

• Localized Customer Service: Subaru drivers receive 24/7 customer support from local agents. See More: State Farm Car Insurance Review
• Cheapest Average Rates: State Farm car insurance is often the cheapest for Subaru drivers, with minimum coverage at $61 a month.
• Affordable High-Risk Quotes: Drivers with DUIs or accidents on their record will get better rates at State Farm than at other Subaru auto insurance companies on this list.

Cons

• Dropping Coverage: State Farm is no longer writing new policies in RI or MA, and Subaru drivers in FL and CA may also get non-renewal notices.
• No Gap Insurance: You will have to shop at another provider for this coverage if you drive a new Subaru or a leased one.

#6 – American Family: Best for Loyalty Rewards

Pros

• Annual Loyalty Discounts: Loyalty discounts grow every year that you renew your Subaru policy with American Family.
• Generational Discounts for Teen Drivers: New drivers automatically earn this discount when an existing AmFam customer adds them to their policy.
• Costco Membership Perks: Subaru drivers can buy AmFam coverage with their Costco membership and qualify for lower rates.

Cons

• Regional Availability: American Family car insurance for Subarus is only available in 26 states. Check our AmFam Insurance review to see if it’s sold in your state.
• Lower Consumer Ratings: AmFam ranks above average for claims satisfaction and financial strength, but its scores are lower than top companies like Erie and USAA.

#7 – Geico: Best Mobile App

Pros

• Mobile Convenience: The highly-rated Geico insurance app makes it easy to compare quotes, manage policies, and file Subaru claims instantly.
• Consistent Discounts: Geico offers competitive 25% discounts for bundling policies, insuring multiple vehicles, and using Geico DriveEasy UBI.
• Strong Financial Ratings: Geico earns a superior A++ rating from A.M. Best for financial stability.

Cons

• Pricier Premiums: Although still cheaper than average, Geico is more expensive than other Subaru insurance companies, including Erie and State Farm.
• No Gap Coverage: Geico doesn’t sell gap policies for new or leased Subarus. Read our Geico car insurance review for a list of policy options.

#8 – Allstate: Best for Policy Perks

Pros

• Policy Rewards for Safe Drivers: Subaru drivers who avoid filing claims will see their deductible drop by $100 every year and can eventually earn accident forgiveness.
• High-Mileage Advantage: High-mileage drivers may still qualify for pay-per-mile rates through Allstate Milewise Unlimited. Our Allstate review goes into more detail.
• Specialized EV Coverage: Allstate tailors policies for electric and hybrid Subaru models with higher limits to cover battery repairs or replacement.

Cons

• Below-Average Claims Ratings: Allstate ranks below the national average for claims satisfaction due to poor handling and slow payouts.
• No OEM Parts Coverage: Allstate will not cover original manufacturer parts when repairing a Subaru after a claim.

#9 – Travelers: Best for Accident Coverage

Pros

• Accident Forgiveness Rewards: Subaru drivers can sign up for the Travelers Responsible Driver Plan to get accident and minor violation forgiveness.
• Total Loss Deductible Waiver: Travelers will waive your deductible if your Subaru is totaled in a claim.
• Cheapest Full Coverage: Travelers has the cheapest full coverage auto insurance for Subarus, averaging $150 a month. Get more quotes in our Travelers car insurance review.

Cons

• Small Savings for Good Drivers: Safe drivers only get 10% off with Travelers, compared to 30% at USAA and 40% at Nationwide.
• Restricted in Some States: Responsible Driver Plans with accident forgiveness aren’t available in every state, including California.

#10 – Progressive: Best for Online Tools

Pros

• Name Your Price Tool: Drivers can build a Subaru insurance policy based on their budget and just the coverages they need.
• Variety of Policy Options: You can add OEM parts coverage, gap coverage, rideshare endorsements, and roadside assistance to full coverage Subaru policies.
• Free Pet Insurance: Up to $1,000 in pet insurance is automatically added to your Subaru policy if you have collision and comprehensive coverage.

Cons

• Poor Claims Service: Progressive has the lowest claims satisfaction score out of all the Subaru insurance providers on this list.
• Higher Monthly Rates: Subaru insurance costs $10 more per month at Progressive than at Erie or State Farm. Get Quotes Here: Progressive Auto Insurance Review

Picking the Best Subaru Auto Insurance

Subaru car insurance reviews consistently rank Erie, USAA, and Liberty Mutual as the best providers for claims service and rates. Compare them to the best car insurance companies for claims handling.

Out of the top three, Erie is the most affordable at $62 a month, but State Farm is the cheapest Subaru insurance company overall, starting at $61 a month.

Ask about additional discounts for advanced safety features and anti-theft devices to save even more.

Enter your ZIP code to find the best auto insurance for Subarus from local providers in your city.