Updated: October 25, 2024
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Subaru insurance costs can vary significantly depending on the car model. MoneyGeek’s data shows that the Subaru BRZ is the most expensive Subaru model to insure, costing roughly $1,495 per year. On the other hand, Subaru Forester is the cheapest model to insure at around $1,064 annually.
MoneyGeek analyzed insurance costs for all major Subaru models to help you figure out average rates and the cheapest companies for Subaru insurance.
MoneyGeek found that the cost of insurance for a Subaru can vary significantly by model. The average annual cost of insuring various Subaru models is below, from the cheapest to the most expensive:
Car models with a high manufacturer's suggested retail price (MSRP) or high repair costs are often more expensive to insure. A high horsepower sports car is also more expensive to insure since they are considered riskier and have a higher likelihood of theft.
Model | Average Annual Premium |
|---|---|
$1,495 | |
$1,442 | |
$1,232 | |
$1,121 | |
$1,064 |
Generally, it’s inexpensive to insure a Subaru. However, there are various Subaru models available, and the cost of insurance depends more on a car’s model than its maker. MoneyGeek’s analysis of five Subaru models shows that the Forester, Outback and Impreza are inexpensive to insure, the WRX has a moderate insurance cost, and Subaru’s BRZ is expensive to insure.
At roughly $1,495 per year, the BRZ is the most expensive Subaru model to insure. The high expense could be because it is a sports car with high horsepower — drivers of a sports car may be more likely to engage in risky behavior, which drives insurance costs up.
The cheapest Subaru to insure is the Forester, at an average annual cost of $1,064. It is a low-value and low-horsepower car, which means it is cheaper to repair and less likely to get into a major accident, so insurers charge less for it.
The average cost of insuring a Subaru BRZ is $1,495 per year across all model years. The BRZ ranks as the most expensive of the five Subaru models included in MoneyGeek’s analysis. It’s also generally expensive to insure a Subaru BRZ compared to all other car makes and models.
GEICO offers the cheapest policy for a Subaru BRZ at around $1,155 per year. Allied has the most expensive Subaru insurance quote for the BRZ at roughly $2,092 annually.
Company | Average Annual Premium |
|---|---|
$1,155 | |
$1,172 | |
$1,210 | |
$1,609 | |
$1,645 | |
$1,946 | |
Allied | $2,092 |
The cost of insuring a Subaru BRZ can change depending on the model year, driver’s characteristics and the chosen coverage.
On average, it costs $1,442 per year to insure a Subaru WRX across all model years. Of the five Subaru models that MoneyGeek analyzed, the WRX ranks second most expensive. Compared to other car makes and models, auto insurance for a Subaru WRX is generally moderately priced.
GEICO offers the cheapest Subaru insurance quote for the WRX at around $1,155 per year. The most expensive policy is with Allied at roughly $1,995 a year.
Company | Average Annual Premium |
|---|---|
$1,136 | |
$1,155 | |
$1,382 | |
$1,534 | |
$1,548 | |
$1,750 | |
Allied | $1,995 |
The cost of insurance for a Subaru WRX may change depending on its model year, driver’s characteristics and the type of coverage.
MoneyGeek found the average yearly insurance cost of a Subaru Impreza is $1,232 across all model years. The Impreza is the third most expensive to insure of the five Subaru models in this analysis. In general, it is inexpensive to insure a Subaru Impreza.
At around $1,007 annually, GEICO gives the cheapest Subaru Impreza insurance quote. And the most expensive policy is with Allied at roughly $1,660 per year.
Company | Average Annual Premium |
|---|---|
$1,007 | |
$1,030 | |
$1,173 | |
$1,225 | |
$1,380 | |
$1,468 | |
Allied | $1,660 |
The average cost of a policy for a Subaru Impreza may change depending on the car’s model year, driver profile and coverage type.
On average, it costs $1,121 per year to insure a Subaru Outback across all model years. The Outback ranks as the second cheapest out of the five Subaru models analyzed by MoneyGeek — insurance is generally inexpensive for a Subaru Outback.
GEICO is the cheapest insurer for a Subaru Outback, with an average annual cost of $993. Allstate offers the most expensive Subaru Outback insurance at roughly $1,301 a year.
Company | Average Annual Premium |
|---|---|
$993 | |
$1,072 | |
$1,084 | |
$1,093 | |
$1,112 | |
Allied | $1,257 |
$1,301 |
The Outback’s model year, driver characteristics and the type of coverage selected affect the average cost of insurance.
The average insurance cost for a Subaru Forester is $1,064 per year. The Forester is the cheapest of all five models included in MoneyGeek’s Subaru insurance costs analysis. It is generally inexpensive to insure a Subaru Forester.
GEICO offers the most affordable Subaru insurance quote for a Forester at around $907 per year. The most expensive insurer is Allied, costing around $1,303 annually.
Company | Average Annual Premium |
|---|---|
$907 | |
$985 | |
$1,019 | |
$1,075 | |
$1,121 | |
$1,202 | |
Allied | $1,303 |
Insurance cost for a Subaru Forester can change depending on the car’s model year, driver profile and the type of coverage.
MoneyGeek answered frequently asked questions below about Subaru insurance costs to help you understand how insurance rates vary depending on the car model.
MoneyGeek found the average cost of insuring a Subaru is $1,284 per year.
With an average insurance cost of $1,495 per year, the Subaru BRZ is the most expensive Subaru model to insure.
The cheapest Subaru model to insure is the Subaru Forester at around $1,064 per year.
MoneyGeek collected information about insurance provider rates for Subarus using a sample driver profile. In this scenario, the driver is a 40-year-old male purchasing a full coverage policy with the following coverages:
Rates represent averages and can provide guidance on what prices to expect but won’t match your specific rates.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
