How much does Subaru insurance cost?
Subaru car insurance rates vary based on the model you drive. Vehicle features, safety ratings, age, and claims history of the vehicle model are all considered when getting car insurance quotes. Our customer data finds the average insurance cost for a Subaru is $1,983 per year, or $165 per month.
Every situation is unique. Factors such as your location, how often you drive, your driving record, your policy limits and coverage, and more must also be considered to get an accurate quote.
Subaru car insurance rate changes by year
The insurance cost for a Subaru changes by the year. Like many other vehicles, rates have increased recently. Here’s a breakdown:
| Year |
Average annual premium |
| 2025 |
$1,983 |
| 2024 |
$1,926 |
| 2023 |
$1,880 |
| 2022 |
$1,659 |
| Average rate (2019-2025) |
$1,862 |
**
Subaru car insurance rates by city in Ontario
Your location is important in how much you’ll pay for Subaru insurance. Cities with higher premiums typically have higher instances of theft, fraud, and collisions - increasing risk for insurers. Brampton has some of the highest rates, with a monthly average premium of $223 ($2,673 yearly). St. Catherine's has generally low rates for Subaru, with an average of $775 per year ($65 per month).
Here’s an overview of how Subaru car insurance premiums vary by city:
| City |
Avg premium |
Monthly |
| Ontario |
$1,935 |
$161 |
| Toronto |
$2,053 |
$171 |
| Ottawa |
$1,097 |
$91 |
| Hamilton |
$2,111 |
$176 |
| Mississauga |
$1,982 |
$165 |
| London |
$2,037 |
$170 |
| Kitchener |
$1,743 |
$145 |
| Brampton |
$2,673 |
$223 |
| Markham |
$2,156 |
$180 |
| Barrie |
$1,401 |
$117 |
| Oshawa |
$1,779 |
$148 |
| Burlington |
$1,386 |
$116 |
| St. Catharines |
$775 |
$65 |
| Newmarket |
$1,410 |
$118 |
| Richmond Hill |
$2,289 |
$191 |
| Milton |
$1,992 |
$166 |
| Cambridge |
$1,905 |
$159 |
| Oakville |
$868 |
$72 |
| North York |
$2,310 |
$193 |
**
Subaru car insurance rates by model
Subaru car insurance rates can vary significantly depending on the specific model. Factors such as the vehicle's features, safety ratings, and historical claims data all contribute to the insurance cost. If you drive the BRZ, Subaru’s sports car, you’ll pay around $2,883 yearly for coverage. The Subaru Outback has lower coverage costs, at $1,553 per year, and the Impreza comes in second at $1,831 per year.
The following table provides a general overview of average premiums for some of the popular Subaru models in Canada.
| Vehicle |
Premium |
Monthly payment |
| WRX |
$2,314 |
$193 |
| Forester |
$1,930 |
$161 |
| Outback |
$1,553 |
$129 |
| Crosstrek |
$1,854 |
$155 |
| Impreza |
$1,831 |
$153 |
| Ascent |
$2,070 |
$173 |
| BRZ |
$2,883 |
$240 |
**
Subaru car insurance by driver type
Demographics and driving history will alter how much you pay. On average, drivers with a clean driving record will pay $1,983 ($165 monthly) for Subaru coverage. Male drivers can see slightly lower rates at $158 for monthly payments.
Those with an accident or ticket on their record will also see a rate bump, and even higher rates can appear if you are a high-risk driver, which can cost you $6,911 yearly ($576 monthly).
| Driver type |
Premium |
Monthly |
| All drivers |
$1,983 |
$165 |
| Young drivers (25 and under)s |
$1,568 |
$131 |
| Middle age (26 - 50) |
$2,130 |
$178 |
| Mature/senior drivers (50+) |
$1,565 |
$130 |
| High risk drivers |
$6,911 |
$576 |
| Demographics |
| Male |
$1,895 |
$158 |
| Female |
$2,128 |
$177 |
| Married |
$1,760 |
$147 |
| Single |
$2,223 |
$185 |
| Driving record |
| Clean driving record |
$1,983 |
|
| 1 ticket within past 3 years |
$2,262 |
$189 |
| 1 accident in 3 years |
$2,804 |
$234 |
| 1 cancellation in 3 years |
$2,201 |
$183 |
| 1 suspension in 3 years |
$1,853 |
$154 |
**
What factors impact Subaru auto insurance rates?
There are many things that influence auto insurance rates for Subaru vehicles.
- All models have good safety ratings: Subaru’s are known for their rds (no accidents or tickets), multiple vehicles insured with the same company, top safety ratings. All vehicles have a strong track record of safety and reliability.
- High collision claim costs: Some new models and ones designed with advanced technology can have high collision claim costs, which can increase payments.
- Repairs: Subaru has reasonable repair costs. This can help keep insurance premiums down.
Keep in mind that other elements, such as your driving record, at-fault accidents, specific tickets that increase insurance, and having multiple vehicles insured with the same company, also play a significant role in determining your Subaru rates.
What discounts are available for Subaru insurance?
Subaru insurance discounts are highly variable, depending on the insurer, your location, and individual circumstances. Common discounts available to Subaru owners include those for safe driving records (no accidents or tickets), multiple vehicles insured with the same company, bundled insurance policies (homeowners/renters with auto), and advanced vehicle safety features, where Subaru's often well-equipped models may offer an advantage.
Additional potential discounts may be available for completing defensive driving courses, paying premiums upfront, and for long-term customer loyalty. To determine applicable discounts, contact multiple insurers and compare their offerings with ThinkInsure.
How Subaru car insurance costs compare to similar vehicle brands
Subaru's insurance costs are relatively affordable compared to other car brands, making it a cost-effective option for buyers.
| Brand |
Premium |
Monthly Payment |
Difference |
| Subaru |
$1,983 |
$165 |
|
| Toyota |
$2,190 |
$183 |
10.40% |
| Nissan |
$2,093 |
$174 |
5.50% |
| Honda |
$2,244 |
$187 |
13.20% |
| Hyundai |
$2,227 |
$186 |
12.30% |
| Kia |
$2,088 |
$174 |
5.30% |
| Volvo |
$2,138 |
$178 |
7.80% |
| Volkswagen |
$2,176 |
$181 |
9.70% |
What are the best ways to save on Subaru auto insurance?
Even though most Subaru's have great insurance rates, you can follow these tips and save more:
- Choose the more practical vehicle model: Subaru’s are available in many models. Staying away from the sport and premier models will help keep premiums down.
- Review quotes annually: Many drivers only compare quotes when they first get their vehicle. Remember to review your options each year when your policy comes up for renewal.
- Stay claims-free: Having a clean driving record and staying claims-free is one of the most effective ways to avoid insurance increases.
- Combine policies: Bundling car and home insurance, or taking out a multi-vehicle policy will immediately save you money on all policies.
