Subaru Car Insurance

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Looking to insure your Subaru? Find out everything you need to know about Subaru car insurance right here!

First, let’s talk about this ever-popular Japanese car manufacturer. Subaru can be easily spotted by their logo, the Pleiades constellation, representing the five corporations that merged to create Subaru. Fun fact – Subaru is actually the Japanese name for the Pleiades star cluster. Beyond the iconic logo, we can all recognize a Subaru when out on the road for their sporty yet luxurious looks. Subaru is one of the largest Japanese car manufacturers, and their vehicles have a beaming reputation for success in motor racing.

Popular Subaru Models

subaru model room

Subarus are extremely popular in North America, as they offer a the combination of a great aesthetic and several high-quality features. These models are almost like a luxury sports vehicle but without the hefty price tag.

The most popular Subaru models include:

Legacy, BRZ, WRX, Impreza, Utility, Outback, XV Cross Trek, Forester, Ascent

All Subaru Models:

  • Subaru BRZ
  • Subaru Crosstrek
  • Subaru Crosstrek Hybrid
  • Subaru Forester
  • Subaru Impreza
  • Subaru Impreza Wagon
  • Subaru Legacy
  • Subaru Outback
  • Subaru Tribeca
  • Subaru WRX
  • Subaru WRX STI
  • Subaru XV Crosstrek
  • Subaru XV Crosstrek Hybrid

Getting Car Insurance for Your Subaru

Now we can get into insurance. The fun stuff. Your Subaru car insurance quotes will depend on a variety of factors, but in most cases, Subarus are generally pretty affordable to insure. Below we will cover the data that goes into the cost of your Subaru car insurance.

Subaru Safety Features

When insurance companies are calculating the cost of your car insurance, they will look at the overall safety of your vehicle, including innovative safety features, crash ratings, and more. Prior to providing you with a car insurance quote, vehicle data such as rollover ratings, crash test results, recalls etc. will be considered. As you may be able to guess, the safer the vehicle, the cheaper your car insurance will be. The safety features included in Subaru vehicles help keep your car insurance rates to a minimum.

Subaru is know to produce models with safety features to rave about, with the Subaru Forester, Subaru Legacy, and Subaru Impreza leading the pack. Compared to other car manufacturers, Subaru is a front-runner when it comes to future-facing safety tech.

Subaru Safety Ratings

When it comes to crash ratings, Subarus don’t fall short. They have excellent crash avoidance thanks to their drive system, agility, excellent visibility, ABS, traction control, and other active safety measures to minimize crash impact. Should your vehicle be in a crash, Subarus are well equipped. You can count on Subarus for a full set of airbags, reinforced safety cells, and collapsible pedals.

Insurance companies will review the safety ratings of your vehicle provided by the Insurance Institute for Highway Safety (IIHS). The models with the best crash avoidance ratings include the Subaru Forester, Subaru Impreza, and Subaru Outback. Many Subaru models have been named Top Safety Pick and Top Safety Pick+ from the IIHS, including the Subaru XV Crosstrek, Subaru Impreza, Subaru Forester, Subaru Legacy, and Subaru Outback.

So when it comes to driving a Subaru, not only are you getting a safe vehicle that will protect you when behind the wheel, but you will also save on car insurance. Win-win!


subaru winter driving

Insurance providers will also be interested in the reliability of your vehicle. When you drive a reliable vehicle, the chances of filing an insurance claim are lowered. This helps keep the average cost of Subaru car insurance to a minimum.

Subaru has recently seen great improvements in reliability, and they’re actually known to be one of the most reliable family vehicles on the market. Consumer Reports put out a list of the most reliable cars, where Subaru was named fifth, following Scion, Toyota, Lexus, and Mazda. The entire family of Subaru models have proven to be reliable, and this will only improve moving forward!

Likelihood of Theft

While many car insurance policies cover theft, car insurance providers favour vehicles that have a lower risk of being stolen. This way, there is a smaller chance that the insurance company will have to pay to replace your vehicle. Whether your car comes with a theft deterrent system or you install an anti-theft device on your own, you insurance provider will likely reward you with discounted premiums. Luckily, Subaru models come equipped with a theft deterrent system, including an engine immobilizer system and keyless entry system with a panic alarm.

Cost of Replacing Subaru Parts

When developing insurance quotes, the cost of replacement parts is also considered. The more expensive it is to replace you car parts, the more expensive your insurance will be and vice versa. Sounds simple right? The cost of replacement parts is just one of the factors considered when calculating premiums. While Subarus are generally held at a higher price point compared to Japanese cars in the same segment, the cost of repairs and replacement parts is quite average. This helps keep Subaru insurance quite affordable.

What other factors will influence my Subaru car insurance?

Driving history: The better your driving record, the happier you will be with the cost of your insurance. Car insurance providers will reward drivers for having a record free of traffic convictions. This will help you maintain a status as a low-risk driver.

Credit score: Insurance companies want to know that you are responsible. Proving that you can maintain a favourable credit score will help you keep your insurance costs to a minimum.

Age: Regardless of the type of car you drive, the younger you are, the higher your premium will be. It usually takes about 10 years of driving before insurance providers will trust you with lower premiums. As long as you maintain a clean driving record, you should see your premiums decrease over time.

Gender: Male drivers are infamous for having high car insurance costs. Insurance companies see male drivers as higher-risk, and unfortunately whether you’re a responsible driver or not, this is tough to avoid.

Location: The cost of your car insurance with vary based on where you live, including your province and city, right down to your postal code.

Mileage: The amount of time you spend driving your car will impact the amount of money you spend each year in car insurance. The more time you spend on the road and the more kms you rack up, the more you will pay in insurance.

Can I get discounts on my Subaru car insurance?

When searching for insurance for your Subaru, keep in mind that discounts are always available. Regardless of your situation, most insurance companies will offer some type of discount as a way to entice their customers. With so many insurance companies to choose from, each company is competing for your business. Some examples of insurance discounts include:

  • Student discounts
  • Corporate discounts
  • Anti-theft devices
  • Winter tires
  • Bundling policies

If you’re ever unsure, make sure to ask!

To wrap everything up, Subarus are generally quite affordable when it comes to car insurance. Between their stellar safety features, crash ratings, anti-theft systems, cost of replacement parts, and more, insuring your Subaru should be an easy process.

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