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Yury Stroykin/Getty Images June 14, 2022 Lizzie Nealon is an insurance contributor for Bankrate and enjoys making home, auto and life insurance digestible for readers so they can prepare for the future. Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Subaru has a reputation for manufacturing reliable and high-quality vehicles, especially if you are looking for a car with a capable all-wheel-drive system. If you are thinking about purchasing a Subaru, you might be wondering about the cost of car insurance. The 2021 national average cost of full coverage car insurance is $1,674 per year, but your insurance rates will vary based on individual characteristics, including the Subaru model that you drive. Bankrate pulled average rate data for some of Subaru’s most popular models to help you better understand how much your car insurance policy might cost. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT Rates increased up to 12% this year
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Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Models included in this review: Subaru BRZ Limited Subaru Forester Subaru WRX How much does it cost to insure a Subaru
The 2021 is $1,674 per year according to data from Quadrant Information Services. However, in addition to features like your claim history and mileage, your vehicle’s make and model influences your insurance premium. Why? Different car models are equipped with different safety features, have different crash statistics and their parts vary in cost. Crash rate stats per make/model: The 2020 Subaru BRZ Limited received an o of “acceptable” from the Insurance Institute for Highway Safety (IIHS). Meanwhile, the Subaru Forester was one of the , receiving an overall safety score of “good.” The Subaru WRX was also a top safety pick with an overall safety evaluation of “good.” Price of parts: When it comes to non-luxury car brands, Subarus generally have some of the most expensive parts. Expensive parts can result in higher insurance premiums as insurance providers anticipate higher repair costs in the event of an incident. Safety features: Subarus commonly come equipped with a distraction mitigation system, blind-spot detection, reverse automatic braking and rear vision cameras — all features that may result in lower insurance prices. Car insurance for a Subaru by model
Since each Subaru model has varying features and characteristics, average and car insurance rates vary. Your individual car insurance premium will vary based on your individual characteristics, but the following Subaru car insurance premiums may be helpful for the sake of comparison. Car insurance for Subaru BRZ Limited
Of the Subaru models in this article, the BRZ Limited received the lowest overall score for safety from the IIHS. This lower score may partially account for the BRZ Limited’s average full coverage premium being hundreds of dollars more expensive than the Forester and WRX models. Subaru BRZ Limited car insurance Average annual premium Minimum coverage $481 Full coverage $2,032 Car insurance for Subaru Forester
The Subaru Forester has the lowest annual car insurance premiums on our list, which may be due in part to this vehicle’s extensive safety features, such as EyeSight Driver Assist Technology, automatic braking, emergency steering, adaptive cruise control and a state-of-the-art distraction mitigation system. Despite Subarus typically having high-cost parts, the Forester’s average full coverage premium comes in hundreds of dollars lower than the national average. Subaru Forester car insurance Average annual premium Minimum coverage $459 Full coverage $1,419 Car insurance for Subaru WRX
The Subaru WRX is one of the IIHS’s picks for safest vehicles in 2021, which may account for the WRX having a significantly lower average full coverage premium than the BRZ. However, keep in mind that Subarus are generally made with more expensive parts, which may partially account for the vehicle having an average full coverage premium higher than the national average. Subaru WRX car insurance Average annual premium Minimum coverage $481 Full coverage $1,863 Cheapest car insurance companies for Subarus
Subaru drivers on a budget may be interested in finding the cheapest car insurance available. Of the by market share, the following providers offered competitive insurance rates for Subarus. The following rates are averages, so note that your exact rate will vary based on individual factors. Average annual premium for full coverage by model
Car insurance company Subaru BRZ Limited Subaru Forester Subaru WRX Amica $1,564 $1,116 $1,397 $1,373 $1,178 $1,237 $1,538 $1,072 $1,484 $1,689 $1,266 $1,442 $1,268 $1,094 $1,322 Subaru features that impact insurance costs
Subarus typically come equipped with extensive safety features. Several of the most common Subaru safety features that may affect your insurance rates include: Blind-spot detection: Blind spot detection can help by 14%, according to the IIHS. Rear-vision camera: Rear cameras help mitigate reverse auto accidents by nearly 80% when paired with automatic braking, according to . Reverse automatic braking: When operating the vehicle in reverse, Subarus can brake automatically to prevent a collision. STARLINK safety and security: STARLINK alerts an operator if the driver is involved in a collision. This feature can also connect drivers to roadside assistance with the push of a button. DriverFocus: DriverFocus alerts the driver if they’re exhibiting drowsy or distracted behavior. Pre-collision braking: This feature detects potential collisions before they happen and can brake automatically. EyeSight: Subaru’s proprietary EyeSight technology monitors traffic and notifies you when your vehicle is outside its lane. Eyesight features pre-collision braking that kicks in automatically to prevent an accident, as well as throttle control and automatic steering. Other car insurance coverage for a Subaru
In most states, a minimum coverage car insurance policy is a legal requirement, no matter what type of car you drive. Minimum coverage policies tend to be the cheapest option , but they provide limited coverage. It’s recommended for most drivers to purchase higher coverage limits than what’s required to offer sufficient financial protection. As a Subaru owner, getting a policy may be valuable. In addition to liability insurance, it also includes physical damage coverage, which adds both and . For instance, if you get into an accident, your car gets stolen or a tree falls on your vehicle, a full coverage policy would pay for the covered damages. In addition, there are a variety of , or policy add-ons, that can be useful if you own a Subaru. For example, accident forgiveness would waive your first at-fault accident to prevent your premium from increasing. If you have custom parts installed in your Subaru, like an aftermarket sound system, custom parts and equipment coverage might come in handy. Other car insurance endorsements to consider include new car replacement coverage and (if you lease or finance your new Subaru), which can also help you save money. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Subaru of the following model types, commute five days a week and drive 12,000 miles annually: Subaru BRZ Limited Subaru Forester Subaru WRX These are sample rates and should only be used for comparative purposes. SHARE: Lizzie Nealon is an insurance contributor for Bankrate and enjoys making home, auto and life insurance digestible for readers so they can prepare for the future. Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. Related Articles