Cheap Subaru Auto Insurance in 2024 (Earn Savings With These 10 Companies)

With their high safety rating, you can expect cheap Subaru auto insurance from Travelers starting at $90/mo for minimum coverage, with Geico and State Farm trailing slightly behind as numbers two and three for cheap Subaru auto insurance. Insurers calculate auto insurance rates based on several factors, but it’s usually easy to find cheap Subaru auto insurance quotes.

Subarus are among the cheapest cars to insure in the United States, there are some exceptions like the Subaru Impreza, but overall you can expect more affordable auto insurance rates for your Subaru. Just enter your ZIP code above, and you’ll find cheap rates for your Subaru at the click of a button.

Our Top 10 Company Picks: Cheap Subaru Auto Insurance

Although Subarus tend to have affordable rates, there are plenty of ways to save even more. Read on to learn how to find affordable Subaru auto insurance quotes. Then, compare rates with as many companies as possible to find the best policy for your Subaru.

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#1 – Travelers: Best for Strong Coverage

Pros

• Discounts for Safety Features: Travelers offers discounts for Subarus equipped with advanced safety features. If you’re curious about their available discounts, read the “Travelers Auto Insurance Review” article to find out.
• High Financial Strength Rating: With an A++ rating from A.M. Best, Travelers ensures reliability in claim handling with their positive customer service standards, for Subaru owners.
• Innovative Coverage Options: Provides options like accident forgiveness and new car replacement to go with their usual standard coverage options (liability, collision and comprehensive), which can be beneficial for Subaru owners.

Cons

• Premium Pricing: Despite discounts, overall premiums can be higher, especially for Subarus with higher market values such as the Subaru Impreza.
• Narrower Coverage Scope: Some coverage options may not be as extensive or customizable for Subarus as with other insurers listed in this article.

#2 – Geico: Best for Excellent Service

Pros

• Competitive Pricing: Geico offers some of the cheapest rates and significant discounts available, including good driver, safety feature discounts, and multi-vehicle discount that helps lower costs for Subaru owners.
• High Financial Strength: Geico’s A++ A.M. Best rating assures strong financial stability, beneficial for Subaru claims. Read more in our full Geico auto insurance review.
• Customer Service:  Geico generally receives positive reviews for its customer service, with representatives available 24/7 to assist policyholders with their Subaru auto insurance.

Cons

• Coverage Options Limited: Some specialized coverage options for Subarus may not be available compared to other insurers.
• Customer Service Variability: Some reviews indicate varying levels of customer service quality, this could be due to location or model of car, which might affect Subaru owners during claims.

#3 – State Farm: Best for Competitive Rates

Pros

• Safe Driver Incentives: State Farm offers significant discounts and incentives for Subaru owners with safe driving records contributing to their cheaper competitive auto insurance rates.
• Wide Range of Coverage Options: Provides a variety of coverage choices (liability, collision, and comprehensive) at cheap rates that will also meet the specific needs of Subaru owners.
• Robust Mobile App: State Farm’s mobile app allows Subaru owners to manage their policies and file claims conveniently. For more information, read our article “State Farm Auto Insurance Review.”

Cons

• Higher Costs for Riskier Drivers: Subaru owners with less-than-perfect driving records may face higher premiums and be ineligible for some discounts that State Farm provides.
• Limited Multi-Policy Discount: While available, the multi-policy discount is less competitive for Subaru owners than with some other insurers.

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#4 – Erie: Best for Budget-Friendly Rates

Pros

• Competitive Rates: Erie Insurance is known for offering competitive rates for Subaru drivers on a budget, often lower than many major insurers. They also offer discounts for paying the annual premium in full and for vehicles with advanced safety features. Read more with our “Erie Auto Insurance Review.”
• Comprehensive Coverage Options: Erie offers a wide range of coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, rental car coverage, and roadside assistance.
• Rate Lock Feature: Erie’s Rate Lock feature ensures that your Subaru premium remains the same year after year, even if you file a claim or receive a traffic violation. Rates only change if you make changes to your policy.
• First Accident Forgiveness: Erie offers first accident forgiveness, which prevents your rates from increasing after your first at-fault accident involving your Subaru.

Cons

• Availability: Erie Insurance is not available in all states. Their coverage is primarily offered in the Midwest, Mid-Atlantic, and Southeast regions of the United States, which can limit access depending on your location, a drawback for some Subaru drivers who often travel.
• Digital Tools and Resources: While Erie offers online account management, their digital tools and mobile app may not be as advanced or user-friendly as those of larger national insurers. Erie also does not offer online quotes in many areas, inconvenient for some customers.
• Rates: Although Erie is known for competitive rates, they may not always be the lowest available. It’s important to compare quotes from multiple insurers for your Subaru to ensure you get the best deal.

#5 – Progressive: Best for Customizable Plans

Pro

• Technology-Driven: Progressive’s innovative tools like the Snapshot program support potential savings on cheap Subaru auto insurance by monitoring driving habits.
• Competitive Rates: Known for offering competitive pricing and discounts, their customizable options with policy allow cheaper premiums while keeping the price low, Progressive provides affordable options for cheap Subaru auto insurance.
• Flexible Coverage Options: Provides a range of coverage options, catering to a variety of needs on the road and ensuring access to cheap Subaru auto insurance.

Cons

• Complexity of Policies: The broad range of options can be confusing, which might complicate finding the right Subaru auto insurance coverage.
• Customer Service: Reports of less satisfactory customer service could impact the overall experience for those using Progressive for their Subaru auto insurance. Learn more through our Progressive auto insurance review.

#6 – American Family: Best for Discounts

Pros

• Family-Oriented Coverage: American Family’s policies are tailored for families, offering comprehensive protection for drivers who own a Subaru.
• Multiple Discounts: They offer various discounts that can help reduce costs, making it a viable option for affordable cheap Subaru auto insurance. Uncover more by reading our American Family auto insurance review.
• Good Customer Service: Positive feedback on customer service supports its reputation as a provider of cheap Subaru auto insurance.

Cons

• Higher Rates for Some: Premiums might be higher compared to other providers, which could affect the affordability of cheap Subaru auto insurance.
• Limited Availability: American Family is not available in all states, which could limit options for those seeking cheap Subaru auto insurance.

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#7 – USAA: Best for Military Discounts

Pros

• Exclusive Discounts for Military: USAA offers exclusive rates and discounts for Subaru owners who are service or ex-service members. Find out why USAA ranks among the cheapest providers in our article titled “USAA Auto Insurance Review.”
• Superior Financial Strength: An A++ A.M. Best rating ensures exceptional reliability, customer service, and claim-processing speed for Subaru owners.
• Customized Coverage for Military Needs: Policies tailored for the lifestyle of military families, benefiting Subaru owners in service.

Cons

• Limited Eligibility: Only available to military members, veterans, and their families, restricting access for many Subaru owners. Some options are also found to be more expensive in rates for families related to military members.
• Basic Coverage Options: Some specialized options for Subarus may be lacking compared to other insurers found on this list.

#8 – Allstate: Best for Reliable Claims

Pros

• Comprehensive Coverage Options: Allstate offers a range of coverage options and add-ons, providing flexibility for those seeking cheap Subaru auto insurance.
• Good Customer Service: Known for strong customer service, support, and claims processing, proven by their A+ A.M Best rating, contributing to overall satisfaction with their cheap Subaru auto insurance offerings.
• Multiple Discounts: Offers various discounts, such as bundling and safe driving, which can help make their coverage more affordable for Subaru drivers.

Cons

• Premiums May Be Higher: Rates can be higher compared to some competitors, which affects those seeking the cheapest Subaru auto insurance. Learn more information through our Allstate insurance review.
• Complex Pricing Structure: The complexity of pricing and discount structures may make it difficult to find the best deal on cheap Subaru auto insurance.

#9 – Farmers: Best for Comprehensive Coverage

Pros

• Excellent Customer Service: Farmers is known for high-quality customer service, which contributes to Subaru drivers’ satisfaction with their auto insurance. Read more through our Farmers auto insurance review.
• Comprehensive Coverage: Offers a broad range of coverage options and customizable policies, ensuring access to cheap Subaru auto insurance that meets various needs.
• Discount Opportunities: Provides discounts for bundling and safe driving, helping to lower premiums for cheap Subaru auto insurance.

Cons

• Higher Premiums: Premiums can be higher compared to some other providers, which might impact the cost-effectiveness of Farmers’ Subaru auto insurance policies.
• Mixed Claims Reviews: Customer reviews on the claims process can vary, which might affect overall satisfaction for Subaru drivers’ auto insurance.

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#10 – Liberty Mutual: Best for Flexible Options

Pros

• Customizable Policies: Liberty Mutual provides a variety of coverage options that can be tailored to individual needs, enhancing its appeal to Subaru drivers as a source of cheap auto insurance.
• Useful Online Tools: Their online tools make it easier to manage policies and compare quotes, which is beneficial for those with Subaru auto insurance to handle their premiums.
• Multiple Discounts: Offers various discounts that can help lower costs, making Liberty Mutual a viable option for cheap Subaru auto insurance.

Cons

• Higher Premiums: Premiums can be higher than some competitors on this list, which could hamper customers searching for cheap Subaru auto insurance. Gain further insights with our Liberty Mutual auto insurance review.
• Complex Policy Options: The range of customizable options can be overwhelming, potentially complicating the search for cheap Subaru auto insurance.

The Best Types of Auto Insurance For Subarus

While there are many reasons to buy one, the Subarus has a reputation for being a safe family car you can take on an adventure. Whether you use your Subaru to explore the outdoors or simply get to work, buying the right coverage is integral.

Subaru Auto Insurance Monthly Rates by Provider & Coverage Level

Most drivers buy either minimum insurance or full coverage auto insurance. Minimum insurance refers to the least amount of coverage your state requires drivers to carry before they can register their car or drive on a public street. It’s your most affordable option for coverage, but it leaves your vehicle unprotected.

Full coverage is a combination of insurance types that gives your vehicle much better protection. It can cost up to twice as much as minimum insurance, but it’s usually your best bet if you have a new or expensive vehicle.

To meet the basic coverage needs of drivers, most insurance companies offer the following types of auto insurance coverage:

• Liability: Liability auto insurance comprises two parts — bodily injury and property damage. Both pay for damages and injuries you cause in an accident. While it doesn’t cover your car, most states require liability insurance.
• Uninsured/Underinsured Motorist: If a driver without enough insurance hits you, uninsured motorist coverage will pay for your injuries and car repairs. It also covers you if you’re the victim of a hit-and-run. Learn what happens if you hit an uninsured motorist.
• Collision: Collision insurance pays for car repairs after an accident, no matter who caused it. It also covers you if you hit a stationary object, like a parked car.
• Comprehensive: Car accidents aren’t the only thing that can damage your vehicle. Comprehensive insurance will repair or replace your vehicle if it’s damaged from unexpected events like fires, floods, theft, vandalism, or extreme weather.
• Personal Injury Protection/Medical Payments: Depending on your state, you can buy either medical payments or personal injury protection coverage insurance to pay health care expenses for you and your passengers after an accident.

When you buy full coverage, you’ll be purchasing everything listed above. If you don’t want full coverage, most companies will let you add only the insurance you want to your policy.

Choosing the right coverage is crucial to finding low rates. For example, the difference between comprehensive and collision coverage prices is pretty significant. If you want to find coverage right for your Subaru, enter your ZIP code below to get quotes at the click of a button.

Tips to Save on Subaru Auto Insurance

You’ve already taken a good first step in finding low insurance rates by choosing a Subaru. Insurance companies appreciate that many Subaru models come with safety features like lane departure warnings and emergency braking. Subaru insurance quotes are about average, but there are always more ways to save on auto insurance.

Auto Insurance Discounts From the Top Providers in Elk Grove, California

Try the following money-saving methods to get the lowest rates possible:

• Lower Your Coverage: You probably don’t need full coverage unless you have a car loan or lease. Lowering your insurance to the least amount you need will significantly reduce your rates.
• Increase Your Auto Insurance Deductible: Most companies let drivers pick how much they want their deductible to be. If you choose a larger auto insurance deductible, your rates will be lower. However, you’ll have to pay more before your insurance kicks in when you file a claim.
• Keep Your Driving Record Clean: Having traffic incidents on your record will greatly impact your rates. If you do receive a citation, make sure to avoid future incidents so your rates will eventually return to normal.
• Find Auto Insurance Discounts: Companies know their customers want to save, so most offer auto insurance discounts to attract more drivers. Finding the right discounts is essential in picking the right company for you.
• Enroll in a Telematics Program: Most companies offer usage-based insurance programs to help safe drivers save. You can save up to 40% on your insurance if you regularly practice safe driving habits.

Subaru is usually an easy brand to find affordable insurance, but you can always use the tips listed above for additional savings. Of course, one of the most effective ways to find affordable auto insurance rates low is to compare quotes with as many companies as possible.

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Finding Cheap Subaru Auto Insurance Quotes

Drivers can pay $90 per month for minimum coverage insurance for Subaru auto insurance. However, minimum coverage doesn’t cover all problems so you may need a different policy.

So to find cheap Subaru auto insurance, you need to consider several factors that affect your auto insurance rates, and you should understand them before signing up for a policy. Here’s how insurance companies determine your premiums.

Companies will consider the following factors to decide how much you’ll pay for auto insurance:

• Location: Insurance companies have detailed statistics about who makes claims, including by ZIP code. People who move will see new rates even if they stay within their city.
• Your Car: Your car plays a big role in your insurance rates. Subaru’s stellar safety ratings significantly help keep your insurance rates low, but companies also look at your car’s price tag, reliability, and theft rates.
• Age and Gender: The demographics who are more likely to file claims are charged more for their insurance. Men and young people are statistically the riskiest drivers, so they pay some of the highest rates for insurance.
• Driving History: One of the most important ways to determine your risk level is to look at your driving history. Speeding tickets and at-fault accidents will dramatically increase your rates, and you might need high-risk auto insurance if you have too many.
• Credit Score: Unless you live in California, Hawaii, Massachusetts, or Michigan, insurance companies can use your credit score to determine your rates. The higher your credit score, the less you’ll pay for insurance.

Most companies consider the same factors when they craft your rates, but they have unique formulas. That’s why comparing rates is so crucial — it’s the easiest way to find the cheapest Subaru car insurance companies.

It’s hard to know which company will have the best rates for your situation, and you’ll likely overpay if you don’t compare your options. Find the top secrets to getting cheap auto insurance.

See Affordable Subaru Auto Insurance Quotes Today

Whether you’re taking your Subaru for a wilderness adventure or around the block to pick up groceries, Subarus are generally considered safe vehicles you can depend on. Not only are Subarus cheap, but they also usually come with affordable insurance rates.

 

While there are many ways to save on your Subaru insurance costs, the simplest method is to compare quotes by entering your ZIP code below and seeing quotes from different providers for your Subaru today. Researching multiple companies is the best way to avoid overpaying for your insurance.

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