Subaru Car Insurance

Who is Subaru?

Subaru is a Japanese car company that builds reliable adventure-ready vehicles that blend performance with practicality. Since 1953, Subaru has been innovating with its symmetrical all-wheel-drive system and boxer engine layout, both of which make it a favourite among outdoor types. Popular models include the Outback, a tough yet comfortable SUV; the Forester, with its spacious interior and off-road ability; and the Subaru Impreza, which is sporty and practical. Subaru’s focus on safety, durability and quality makes it a top choice for drivers worldwide and one of the most recognisable brands in the world.

How Much Does it Cost to Insure a Subaru?

No two drivers are the same, so your Subaru insurance cost may vary significantly from someone else’s. In order to provide you with the most accurate Subaru insurance quote, insurance providers assess your risk by evaluating a range of factors. These include insurance groups, your driving history, your age and even where you park overnight. To give you some idea of your potential insurance costs, we have provided a breakdown of the average price Subaru drivers can expect to pay for the most popular models.

How Can I Get Cheaper Subaru Insurance?

Whichever Subaru you drive, no one should have to pay more than they need to for their car insurance. Check out our top tips for finding affordable insurance.

• Avoid extras if possible: Policy extras such as breakdown cover, a courtesy car, personal injury cover and others can greatly increase the price of your Subaru insurance. If you want to keep costs down, consider opting out of these extras.
• Park in a safe place overnight: Parking in a safe place overnight can keep your insurance costs down. If you can park in a secure garage or even on a driveway you can expect to pay less than someone who parks on the street.
• Pay in full: If you can pay your Subaru insurance policy in full, you can avoid additional administration fees and interest charges on your payments.
• Always compare: Never accept the first Subaru insurance quote you receive. Make it a habit to compare as many quotes as possible and switch providers when you can. New customers frequently receive better discounts and deals for making the switch.
• Add a driver: Did you know that adding a driver to your policy can help bring down the cost of your Subaru insurance? Older drivers, who live with you, and who have a good driving history with no claims can help lower your insurance costs.

What Factors Influence the Cost of Subaru Car Insurance?

Some of the biggest factors that will influence your Subaru insurance include:

• Insurance group: Insurance groups range from 1-50. The higher the group, the more you can expect to pay. As some Subaru models are considered performance cars, they will be placed in higher insurance groups. For instance, the standard Subaru Impreza model is placed in groups 15-25, while the performance model, the Impreza WRX STI (known for its world rally championship heritage) is in groups 40-44, making it much more expensive to insure.
• Level and type of cover: The type of cover you require also affects your insurance costs. Drivers who need fully comprehensive cover or modified Subaru insurance can typically expect to pay more than a driver who only needs third-party cover. However, this isn't always the case, so remember to always compare as many quotes as possible!
• Extras: Extras like roadside assistance, windscreen protection or lost key cover will always bump up the price of your premiums. The more extras you need, the more you will pay.
• Annual mileage: The number of miles you drive each year affects your level of risk in the eyes of your insurance provider. The more you drive, the greater the likelihood of an accident or claim, which can increase your premiums. To keep insurance costs down, consider driving fewer miles.
• Modifications: Many Subaru fans make modifications to their vehicles in order to improve their performance or their appearance. Any modifications to your vehicle will influence the price of your insurance. This is due to the increased risk of accidents and higher repair costs.
• Where you live: If you live in an area with high crime rates or you live in an urban area, you can expect to pay more than drivers who live in rural communities. This is due to the higher risk of theft and damage to your vehicle.