Compare Canada’s cheapest Subaru car insurance rates
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- Insuring your Subaru vehicle
- How much is it to insure a Subaru vehicle for a young driver?
- How much is it to insure a Subaru for an experienced driver?
- Which Subaru model is the cheapest to insure?
- How much can a traffic ticket or an accident raise your insurance?
- How to get cheaper car insurance for your Subaru
- Should you buy or lease your Subaru?
- Which Subaru model is considered safest?
- Protecting your car with Subaru Protection Plan
Insuring your Subaru vehicle
While it's brands like Honda and Toyota that often get brought up in the context of reliability, safety and value, another brand that often seem to get neglected is Subaru, which is a shame. These days, Subaru is just as good, if not better than, those aforementioned brands. In fact, Consumer Reports has placed it in the number one spot in its 2025 rankings, rating it highly in categories such as Road Tests, New Car Reliability (first spot), Used Car Reliability and Owner Satisfaction.
This translates to low insurance premiums, even for younger drivers (relatively speaking, at least). So, if you're looking for a car that will get you cheap insurance rates, you can't go wrong with a Subaru vehicle.
Below, you'll find out how various factors could impact insurance premiums for a Subaru.
How much is it to insure a Subaru vehicle for a young driver
Insurance costs can be surprisingly high for young drivers, especially those looking to insure a Subaru. Knowing what influences these costs, especially as it connects to their choice of vehicle, can help young drivers make better choices and find ways to save money.
Here are the biggest factors at play:
Driver's risk level: Newer drivers are statistically more likely to make mistakes on the road, mainly due to lack of experience and inability to handle unexpected situations as well as more seasoned drivers. This is particularly relevant for all-wheel-drive vehicles, like most Subarus, which offer better traction but can also create a false sense of confidence in tough driving conditions.
Model-specific impacts: Depending on your Subaru model, your rates will be either higher or lower. Sportier models, like the WRX or BRZ, are likely to cost more to insure than the more family-friendly ones, like the Ascent or Forester. Sporty variants attract more risky drivers, which leads to those vehicles being more statistically likely to suffer car crashes.
Repair and maintenance costs: Subarus are known for their symmetrical all-wheel-drive systems and boxer engines, which provide excellent stability and handling. However, these specialized components can be more expensive to repair than those in standard front-wheel-drive vehicles. This leads to higher insurance rates.
Theft rates: Some vehicle brands and models are more attractive to thieves than others. For instance, according to Équité’s 2023 list of most top 10 stolen cars in Canada, 2021 Toyota Highlander is listed as the most stolen vehicle in the country, which could mean higher rates for that model. Subarus, fortunately, are not on that list, which, in theory, should work in their favour when it comes to insurance.
Although insurance for young drivers can be expensive, there are ways to lower costs.
Age | Insurance cost range |
|---|---|
18 | $6,567 - $10,390 |
19 | $5,474 - $7,896 |
20 | $5,131 - $6,756 |
21 | $4,886 - $5,298 |
22 | $4,150 - $4,678 |
23 | $3,846 - $4,404 |
24 | $3,724 - $4,260 |
25 | $3,096 - $3,703 |
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How much is it to insure a Subaru vehicle for an experienced driver
If you drive a Subaru, your insurance rates can be influenced by a number of things, including your choice of vehicle. Here are some factors to consider:
Experience (and age): Generally, drivers in their 30s to 50s get the best rates, as they are seen as less risky to insure. However, as drivers get older, particularly after 60, premiums can rise due to factors like slower reflexes and possible health issues that affect driving.
Subaru model: The specific model you drive plays a significant role in your insurance premium. For instance, Subaru Crosstreks and Outbacks are typically cheaper to insure due to their moderate size and repair costs. On the other hand, models like the Subaru WRX may carry higher premiums because they tend to be driven more aggressively or have higher repair costs.
Driving record: A clean driving history is one of the best ways to keep your rates low. However, recent accidents or traffic violations can raise your premium, even for experienced drivers who’ve had a history of safe driving (on a 'safer' model like the Outback).
How often you drive: If you drive your Subaru a lot, you’re considered a higher risk by insurance companies. Long commutes or frequent long trips can lead to higher premiums. Conversely, if you only drive occasionally, you might qualify for a low-mileage discount.
Where you live: High-traffic areas or places with high crime rates tend to result in higher premiums. In some areas, Subaru models like the Outback are targets for theft, which can also drive up insurance costs.
Safety features: Subarus are known for their strong safety features. Many newer models, like the Subaru Forester and Crosstrek, come with advanced safety technologies like EyeSight driver assist and pre-collision braking. These features lower the risk of accidents, which could result in discounts on your insurance premiums.
If you're concerned about your premiums, there are several ways you can reduce your insurance expenses.
Age | Insurance cost range |
|---|---|
30 | $2,201 - $3,060 |
35 | $2,043 - $2,678 |
40 | $1,974 - $2,465 |
45 | $1,768 - $2,423 |
50 | $1,667 - $2,312 |
55 | $1,612 - $2,092 |
60 | $1,590 - $2,050 |
65 | $1,582 - $1,936 |
Methodology
The table above outlines the average cost of car insurance in Toronto for a female G-licensed policyholder driving a 2023 SUBARU IMPREZA 2.0i 5DR AWD. Using our rate calculator, we calculated average auto insurance premiums by age, assuming the driver has a clean driving record. All ranges and averages presented represent the three lowest quotes offered. The insurance policies used for comparison include $1,000,000 in coverage, along with a $1,000 deductible for both collision insurance and comprehensive insurance.
It’s important to note that these quoted rates are specific to this driver profile. You are more likely to find rates at the lower end of the provided range by comparing quotes from different providers and selecting the one that offers the best value for your needs.
Disclaimer
Auto insurance rates are influenced by a variety of factors, including (but not limited to) your postal code, driving history, the specific make and model of the vehicle, additional safety features, whether you attended driving school, and more. This means the premiums for individuals with different circumstances may vary significantly from the rates shown here. Always compare personalized quotes to ensure you're getting the best coverage at the best price.
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Which Subaru model is the cheapest to insure?
If you're shopping for a practical SUV that won’t send your insurance costs soaring, the Subaru Crosstrek is worth a closer look.
Here’s why this versatile vehicle is often a budget-friendly option for drivers:
Safety features: Subaru has a reputation for prioritizing safety, and the Crosstrek is no exception. With features like EyeSight Driver Assist Technology, automatic emergency braking, lane departure warning and adaptive cruise control, the Crosstrek is designed to keep you out of harm’s way, which bodes well for insurance rates.
Reliability: Crosstrek has a reputation for dependability. Its durable design and engineering mean fewer breakdowns and a longer lifespan, putting insurers at ease as they’re less likely to see claims for unexpected repairs, which leads to lower premiums.
Repair costs and parts availability: Subaru Crosstreks are both popular and well-established, so replacement parts are easy to find. Combine that with relatively affordable repair costs compared to some luxury or specialized vehicles, and insurers see a car that won’t rack up high claims for fixes.
Performance and risk levels: The Crosstrek strikes a balance between capability and practicality. It’s built for adventures, commutes and family outings rather than high-risk, performance-heavy driving. Its moderate speed and steady nature make it a low-risk vehicle for insurers.
Driver profile and intended use: Crosstrek drivers tend to prioritize safety, reliability, and practicality over style or flash. Whether it’s for running errands, daily commuting, or taking on weekend adventures, the Crosstrek is built for practical everyday use. It’s not typically used for extreme off-road driving or other high-risk activities, which can help minimize claims and keep insurance rates lower.
Vehicle | Insurance cost range |
|---|---|
Subaru Crosstrek | $2,045 - $2,388 |
Subaru Outback | $2,185 - $2,517 |
Subaru Forester | $2,249 - $2,640 |
Subaru Legacy | $2,343 - $2,877 |
Subaru Impreza | $2,539 - $2,714 |
Subaru BRZ | $2,887 - $3,074 |
Subaru WRX | $2,914 - $3,039 |
Subaru Ascent | $3,791 - $6,528 |
Methodology
The table above presents insurance cost ranges for some of the most popular 2023 Subaru models, calculated specifically for a Toronto-based, G-licensed, 35-year-old female driver. Using our rate calculator, we determined these costs by comparing the three cheapest quotes available for each model. This driver profile assumes a clean driving record and standard coverage, which includes $1,000,000 in liability coverage as well as a $1,000 deductible for both collision and comprehensive insurance.
By focusing on the most affordable quotes from various providers, the ranges provide a clear picture of what drivers with similar profiles can expect to pay. Selecting quotes from the lower end of the range can help you secure the best value for your insurance policy while still providing adequate coverage.
Disclaimer
Insurance premiums depend on many variables, such as your driving history, the vehicle's make and model, additional safety features, your postal code, and more. The rates shown here are specific to the outlined driver profile and may differ from costs for individuals with different circumstances or coverage needs. Always compare personalized quotes across providers to ensure you find the best rates and coverage tailored to your situation.
How much can a traffic ticket or accident raise your insurance?
Subaru drivers love the brand’s safety focus, but traffic tickets or traffic accidents can still affect and increase car insurance premiums. For instance, a speeding ticket might seem minor but could lead insurers to label you a higher-risk driver, increasing costs. An at-fault accident, even a minor one, can push rates up further since Subarus tend to be associated with larger claims. This is partly due to the cost of repairing advanced safety features like EyeSight Driver Assist Technology, the complexity of their standard AWD systems, and the active lifestyle of many Subaru owners, which often involves off-road or rugged driving conditions.
Here are some of the possible changes you might see in insurance for your Subaru:
Age | Major Convictions | At Fault Accidents | Insurance Cost Range |
|---|---|---|---|
30 | None | None | $2,201 - $3,060 |
None | 1 | $4,496 - $4,980 | |
1 | None | $4,896 - $5,754 | |
1 | 1 | $10,138 - $15,566 | |
35 | None | None | $2,043 - $2,678 |
None | 1 | $4,338 - $4,800 | |
1 | None | $4,716 - $5,220 | |
1 | 1 | $9,674 - $14,754 | |
40 | None | None | $1,974 - $2,465 |
None | 1 | $4,217 - $4,656 | |
1 | None | $3,560 - $5,052 | |
1 | 1 | $9,450 - $14,754 | |
45 | None | None | $1,768 - $2,423 |
None | 1 | $4,088 - $4,656 | |
1 | None | $3,115 - $5,028 | |
1 | 1 | $9,386 - $13,558 | |
50 | None | None | $1,667 - $2,312 |
None | 1 | $4,096 - $4,572 | |
1 | None | $2,917 - $4,932 | |
1 | 1 | $9,399 - $12,617 | |
55 | None | None | $1,612 - $2,092 |
None | 1 | $3,599 - $4,224 | |
1 | None | $2,811 - $4,296 | |
1 | 1 | $9,632 - $12,111 | |
60 | None | None | $1,590 - $2,050 |
None | 1 | $3,530 - $4,092 | |
1 | None | $2,768 - $4,248 | |
1 | 1 | $9,789 - $11,875 | |
65 | None | None | $1,582 - $1,936 |
None | 1 | $3,363 - $4,000 | |
1 | None | $2,748 - $4,032 | |
1 | 1 | $9,993 - $11,801 |
Methodology
The table provides a comparison of average car insurance premiums in Toronto for a female G-licensed driver operating a 2023 SUBARU IMPREZA 2.0i 5DR AWD. The analysis includes two driving profiles: one for drivers with clean records, meaning no major convictions or at-fault accidents, and another for drivers with one at-fault accident, one major conviction, or both. Using a rate calculator, we determined the average premiums across different age groups by selecting the three lowest quotes from leading insurance providers. The insurance coverage considered includes $1,000,000 in liability coverage and a $1,000 deductible for both collision and comprehensive insurance. For drivers with at-fault accidents or convictions, premiums were adjusted based on the additional risk weighted by insurers, leading to higher quotes for that group.
Disclaimer
It is important to note that the rates listed are specific to this driver and vehicle profile and may vary significantly based on individual circumstances. Factors such as postal code, claims history, specific vehicle features, and even completion of a recognized driving school course can influence premiums. To ensure the best value, it is essential to obtain personalized quotes from multiple providers, as rates and coverage offerings can differ substantially depending on how each insurer evaluates risk. Comparing quotes allows drivers to find the most suitable and cost-effective insurance for their unique needs.
How to get cheaper car insurance for your Subaru
If you drive a Subaru, there are many ways you can lower your insurance costs. For example, you could bundle your policies with one provider to unlock discounts. Or, you might take a defensive driving course to become eligible for savings. Enrolling in a telematics program is another way to save based on how safely you drive. Be sure to explore your options to find what works best for you.
Here are some ways you can get cheaper car insurance
Bundling policies
Bundling your auto and home insurance—or combining other policies like tenant or condo insurance—can significantly reduce your premiums. Insurance companies appreciate customer loyalty and often reward it with discounts. Savings can reach up to 20% or more. By taking advantage of this, you not only simplify your insurance management but also save a chunk of change.
Multi-vehicle discount
If your household has more than one car, insuring them under the same policy can lead to big savings. This is because insurers offer discounts (up to 15%) for placing multiple vehicles together under one account. It’s an easy win for families or households with multiple drivers, as it combines coverage while cutting costs.
Loyalty discounts
Insurance companies love loyal customers, and they often show it by reducing premiums for those who stick with them year after year. The longer you stay, the more you save—it can range from 5% after one year to as much as 10% for a decade of loyalty. If you’re happy with your insurer and their service, this discount is an excellent perk.
Higher deductibles
Choosing a higher deductible (the amount you pay out of pocket in a claim) can reduce your annual premiums by 5-10%. While the trade-off means you’d pay more in case of an accident, it’s a smart option for drivers who are confident in their safe-driving habits and want lower upfront costs.
Paying annually
Paying your entire premium in one annual payment instead of monthly installments can save you money by avoiding administrative or installment fees. While it requires a larger payment upfront, it’s a simple way to cut down on overall costs.
Telematics programs
Telematics are devices which can be added to you car or through a mobile app, which monitor your driving habits, such as speed, braking and mileage, rewarding safe drivers with lower premiums. They offer benefits like fairer rates for low-mileage drivers, personalized discounts and improved driving awareness. To maximize savings, you should focus on consistent safe driving, reduce high-risk night trips and choose a telematics program that best fits your needs.
Winter tires
Installing winter tires is not only smart for safely navigating Canada’s icy roads, but it can also reduce your premiums by 2%-5%. Some provinces, like Ontario, even require insurers to offer this discount. If you regularly switch to winter tires, make sure your insurer knows about it.
Anti-theft devices
Vehicles with anti-theft systems, like alarms or tracking devices, are less likely to be stolen, and insurers recognize this by offering discounts up to 15%. If your car doesn’t come with built-in anti-theft features, consider installing an aftermarket system to take advantage of this savings opportunity.
Should you buy or lease your Subaru?
Subaru has a reputation for dependable, adventure-ready vehicles like the Forester, Outback, and Crosstrek, equipped with AWD and robust safety features. Buying a Subaru is great for outdoor enthusiasts who keep their vehicles long-term to conquer tough terrains and snowy roads. However, leasing might appeal to those who want easier upgrades as Subaru introduces new tech, such as hybrid Crosstrek models.
Here's a list of advantages and disadvantages to help you make the right call:
Leasing
Advantages:
- Latest models: Leasing allows you to enjoy a new Subaru every few years, ensuring you always have access to the most up-to-date technology and features, such as Subaru’s EyeSight Driver Assist Technology and STARLINK multimedia system.
- Lower costs: Leasing generally comes with lower monthly payments and upfront costs compared to buying. You’re only paying for the vehicle’s depreciation during the lease term, not its full value, and initial expenses typically include just the first month’s payment, a security deposit, and fees.
- Warranty Protection: When you lease a car, it usually comes with a warranty that lasts for the entire lease term. This means you don’t have to worry about paying for unexpected repairs. For example, if something like the engine or transmission needs fixing, it’s likely covered under the warranty, saving you money and stress.
- Flexibility: Leasing a Subaru is a great choice if you love driving new cars often or want a short-term option. For example, if you enjoy upgrading to the latest Subaru models, like the Outback or Forester, every few years, leasing lets you do that without the long-term responsibility of owning the car.
Disadvantages:
- Mileage restrictions: When you lease a Subaru, there are mileage limits to keep in mind. For example, most leases set a maximum number of miles you can drive each year. If you go over that limit, you might have to pay extra fees for the additional miles.
- No ownership: When the lease ends, you don’t own the Subaru. You’re essentially renting it, so all those monthly payments don’t build any value or equity you can use later.
- Limited customization: Leasing doesn’t give you the freedom to customize the Subaru. If you want to add accessories like roof racks or make modifications, you’ll need to remove them and return the car in its original condition.
- Regional driving needs: If you drive in rural areas or harsh terrains where Subaru’s all-wheel drive shines, higher usage could lead to faster wear on tires and suspension, potentially increasing your costs at the end of the lease.
Buying
Advantages:
- Full ownership: When you buy a Subaru, it’s yours. You’re not just borrowing it like with a lease, and when you pay it off, you no longer have monthly payments.
- No mileage limits: If you do a lot of driving, whether for road trips, work, or living in rural areas, buying saves you from worrying about mileage restrictions or additional costs for extra kilometers.
- Personalization: You can modify your Subaru to match your style, whether it’s upgrading the interior or adding accessories like roof racks for outdoor adventures.
- Long-term use: For those planning to drive their Subaru for years to come, purchasing could be the better financial move. After finishing your payments, you’ll have a dependable vehicle to enjoy for the long haul. Notably, 96% of Subaru cars sold in the past 10 years remain on the road today.
- High resale value: Subarus hold their value better than most cars. For instance, the Subaru Crosstrek has been named the winner in 2023 in the SUV: Main Sub Compact category for three consecutive years, meaning you could recoup more money if you decide to sell.
Disadvantages:
- Higher upfront costs:Higher Upfront Costs: Buying a Subaru means a bigger financial commitment upfront. Whether it’s a down payment or paying in full, the initial cost is noticeably higher than leasing.
- Repair costs: Once the warranty expires, maintenance and repairs become your responsibility.
- Weather-related wear: If you live in areas with harsh Canadian winters, salt and rough road conditions can accelerate wear and tear. These effects can lower the car’s value and increase maintenance expenses.
- No upgrade flexibility: With leasing, you can switch to a newer model every few years. When you buy, upgrading to a newer Subaru means selling or trading in your current one, which can be time-consuming and involve extra effort.
Which Subaru model is considered safest?
The 2025 Subaru Solterra stands out for its exceptional safety, supported by top ratings from the Insurance Institute for Highway Safety (IIHS). This small electric SUV earned the highest marks in key crash tests:
Small overlap front test: Simulates a collision where the front corner of the vehicle hits an object like a pole. The Solterra’s sturdy structure effectively absorbs and redirects impact forces for occupant protection.
Moderate overlap front test: Evaluates how the vehicle protects passengers in a broader front-end impact. The cabin's strength and the reliability of restraint systems earned it a top score.
Side impact test: Assesses protection during side collisions, such as being struck by another vehicle. Reinforced side panels and side airbags ensure high levels of passenger safety.
The Solterra also excels in crash avoidance and mitigation. Its pedestrian detection system uses sensors to identify people ahead, issuing warnings and automatically braking when needed. Seat belt reminders ensure every passenger is secured, while the LATCH system’s ease of use simplifies the safe installation of child seats. Additionally, its high-rated headlights enhance visibility during night driving.
Category | Evaluation criteria | Rating |
|---|---|---|
Crashworthiness | Small overlap front | G |
Moderate overlap front: updated test | G | |
Side: updated test | G | |
Crash Avoidance & Mitigation | Headlights | G |
Front crash prevention: pedestrian (Standard system) | G | |
Seat Belts & Child Restraints | Seat belt reminders | G |
LATCH ease of use | G | |
Other available safety features
| ||
Source: The Insurance Institute for Highway Safety
Protecting your car with Subaru Protection Plan
Subaru Protection Plan (SPP), meant to complement your insurance, is designed to help car owners avoid unexpected and costly repairs bills. It comes into effect after the expiration of Subaru’s 36-month/60,000-km New Vehicle Limited Warranty.
All three plans include membership in the Subaru 360 C.A.R.E. (Customer Assistance for Roadside Emergencies) program, which provides quick and courteous roadside assistance in Canada and the United States.
The plan has three levels of protection:
Powertrain Protection
Available for new Subaru vehicles only, this is the cheapest plan available, covering the engine, turbocharger/supercharger, transmission, transfer case and drive axel.
Major Protection
Available for new Subaru vehicles only, this is the second most affordable plan available, covering everything under the Powertrain Protection plan, plus steering, bakes, fuel delivery, front and rear suspension and restraint systems.
Complete Protection
Available for new and Certified Per-owned Subaru vehicles, this is the most expensive yet also most comprehensive plan, covering everything under the Powertrain Protection and Major Protection plans, plus virtually every mechanical part on your vehicle, except for those excluded under the general provisions section of the plan.
