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What our users say:

September 21
Promp response upon filling…
Promp response upon filling questionnaires,courteous representative.
arturo morales
September 21
They were really quick
They were really quick, and very helpful.
Katrina
September 20
On rate
The rates are very interesting
Georges Joseph
September 19
Very skilled people
Very skilled people Answered all my questions
Mike Walter
September 19
Amazing company.
Very professional company. So easy to use 5 ⭐️
Paul
September 15
well informed agent and fast respond.I…
well informed agent and fast respond.I can say one of the better one in the indu...
aj azma
September 14
Fast response
Fast response, great price!
Thuan Nguyen
September 10
The representative was very sweet and…
The representative was very sweet and understanding.
Faouzi Idrissou
September 9
responsive to what I need was calling…
responsive to what I need was calling me while I was still on the website, I tho...
Curtis Leong
September 9
Convenient way to do something that can…
Convenient way to do something that can be a pain in the b.... Thank you
Rick
September 8
I received all the information i was…
I received all the information i was interested in. Very nice service.
Wlodzimierz Wojtysiak
September 8
Most of the staff was very prompt and…
Most of the staff was very prompt and knowledgeable. The online application is e...
Karen Hall
September 7
Easy to use and call back promptly
Easy to use and call back promptly
Donna DAmore
September 6
Very helpful
The company is doing great. They tell you what is the best for you to do
Susan Paradero
September 3
Great Service! …
The person I spoke with was incredibly helpful and very polite. He was also pati...
Catherine White
August 31
The agent (Jan) was most professional
The agent (Jan) was most professional, courteous, and friendly.
Kewal Khanna
July 27
They gave me a lot of important…
They gave me a lot of important information
Liliana FERNANDEZ
July 13
THE PERSON ANSWERED ALL MYY QUESTIONS
THE PERSON ANSWERED ALL MYY QUESTIONS
Antonio
June 23
One Stop Shop - best rates with multiple companies
Found great rates with multiple companies which made it very easy to quickly ass...
Maryann O
June 22
Very professional polite & knowledgeable
Very professional polite & knowledgeable
Raymond Beaudoin
June 18
Easy and fast
Easy and fast. Saved $1000
Olga Baldin
June 11
Very prompt response
Very prompt response. Instructions were very clear. Had my best interest at hear...
Shairoz Kherani
June 10
Great dealings
Great dealings. Very pleased
Tim Cote
May 17
questions answered
questions answered
Aaron Ridsdale
May 10
Easy & Professional
Easy, fast, efficient & professional.
Nancy
May 8
Fast, friendly and knowledgable service.
I was still completing the online search form for new insurance when my phone ra...
Bonnie Wilson
May 6
Fast and easy
They phoned me literally within 30 seconds after my search and helped answer all...
Haley Adkins
April 26
Very little time on hold
Very little time on hold Easy to understand Friendly Really got a great deal
Melanie
April 26
My consultant Anees took me through the…
My consultant Anees took me through the whole process from my initial call, to r...
D.A.
April 22
My agent was easy to understand so the…
My agent was easy to understand so the process went well.
Jeffrey Kirkham

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Subaru auto insurance: what you need to know.

Subaru is probably best known for its boxer engine layout (a type of flat engine) and all-wheel drive. The Japanese conglomerate Subaru Corporation has done well for itself marketing Subaru vehicles for their affordable sporty aesthetic and all-terrain capabilities.

If you’re in the market for a new car and dreaming of what it’s like to sit in the seat of a Subaru, we can help you learn more about what you’ll need to consider when applying for car insurance.

When it comes to rates, Subaru car insurance costs will vary based on the make of the vehicle, the year, your driving history, and your location.

There’s a lot of auto insurance providers out there contending to make you an offer. Just be careful to not go with the first deal you see. To assist in your search for cheap Subaru car insurance, LowestRates.ca has created a comparison tool to let you see how different offers stack up.

Start exploring Subaru car insurance quotes now by typing in your postal code and selecting “Get Started.”

To learn more about Subaru insurance in Canada, keep scrolling.

How much is insurance for a Subaru?

The cost of insurance is dependent on your province (or territory) and the city in which you live. For instance, if you reside in a major metropolis, your insurance rates are likely to be higher.

Insurance companies will also be eager to know if you’ve had any claims in the past and how old your driver's license is. This can be disappointing news for new drivers: Subaru insurance for young drivers is usually higher.

In some provinces, such as BC and Manitoba, auto insurance is government-run so there’s less flexibility when pursuing Subaru insurance. In the Atlantic provinces, Ontario, Alberta, and Quebec, it’s a private insurance market, so you’ll have a wider range of options when searching for the best car insurance rates for Subaru.

Insurance companies all have their own unique approach to determining car insurance prices for Subarus and they keep tight-lipped about their calculation formulas. While many of our readers are eager to know the average cost of Subaru insurance, we don’t think it’s a reliable benchmark since so many variables exist. It’s better to use LowestRates.ca’s comparison tool and apply for quotes.

The following are Subaru car insurance rates offered to real LowestRates.ca users.

Estimated Premium

Front view of a car. Illustration.

See how our customers with collision coverage save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from September 24, 2023
Customer
Male, 36 years old
Location
ontario
Vehicle
2023 SUBARU ASCENT 4DR AWD
Lowest Rate
$314/mth
$3,772/yr
Average Rate
$410/mth
$4,923/yr
Saved
$96/mth
23.38%
Quote from September 24, 2023
Customer
Male, 28 years old
Location
ontario
Vehicle
2007 SUBARU IMPREZA 2.5I SPORT WAGON AWD
Lowest Rate
$309/mth
$3,702/yr
Average Rate
$434/mth
$5,210/yr
Saved
$126/mth
28.94%
Quote from September 24, 2023
Customer
Female, 35 years old
Location
ontario
Vehicle
2024 SUBARU CROSSTREK TOURING 5DR AWD
Lowest Rate
$288/mth
$3,461/yr
Average Rate
$454/mth
$5,449/yr
Saved
$166/mth
36.48%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

Your questions about Subaru auto insurance rates, answered.

What is the cheapest Subaru to insure?

New, expensive models with top-of-the-line features are often considered the most stylish, but it’s low-end models without custom trim that have the cheapest premiums.

Every model of a car (including the year it’s made) is given a risk assessment. If a car is more likely to be stolen, or require expensive parts replacement, then it’s a higher claims risk, which will hike up your premiums. More inexpensive models will have lower Subaru insurance costs because it’s easier to replace cheap parts.

Find the best insurance for your Subaru vehicle at LowestRates.ca.

Used vs. new Subaru: which is cheaper to insure?

Car insurance on a used Subaru will typically be cheaper than if you were splurging on a new car. That’s because it’s much more expensive to replace a new car than an older vehicle with greater wear and tear. Used cars are typically more than five years old and don’t require as much in terms of extra coverage.

More people with new cars, by contrast, are advised to get comprehensive and collision coverage, which can add up your yearly expenses. Collision coverage helps manage the costs of Subaru insurance claims if you collide with another vehicle or object (watch out for the underground parking post) and comprehensive coverage helps you out if your Subaru experiences weather damage, theft and vandalism, and other unexpected damage. Leased cars also usually require that the owner purchases these two types of coverage.

What is the best car insurance for a Subaru?

While you always want to shop around for the best Subaru insurance broker, there’s no single insurance provider for one particular make of car. What’s most important is the driver of the vehicle. Your personal data will carry the biggest weight when it comes to your Subaru insurance policy.

Insurance companies all have their own different underwriting stands, so prices will differ. That’s why it’s best to use LowestRates.ca’s comparison tool to review Subaru insurance quotes from a wide range of insurance companies. Using this tool, you can find the answers to your top Subaru insurance questions within minutes.

How are auto insurance quotes for Subaru calculated?

Your Subaru insurance coverage is determined after making a risk assessment based on certain criteria. An insurance company will often review:

Location: Not all provinces and territories offer private auto insurance so your location will factor into your premium costs. Some provinces are also known for higher car insurance prices than others. For example, B.C. and Ontario are known for having higher insurance rates. The city or town where you live will also influence your premiums. If you live in a big city like Toronto or Vancouver, you’ll probably pay higher rates than if you lived somewhere remote. That’s because there are higher instances of theft and vehicle damage.

Age: Some provinces, like Ontario, Alberta and Quebec, let auto insurance providers dictate rates based on a driver’s date of birth. Young people are less experienced and more of a risk on the road when it comes to driving, so they sometimes have to fork out more money when it comes to auto insurance. Typically, anyone under the age of 25 is considered a young driver.

History: A clean driving record will work in your favour when applying for car insurance. If you’ve filed a claim in the past or have been convicted of a driving offence, providers will consider you risky and up your insurance costs.

Customer loyalty: Insurance companies love repeat customers. So, if you’re seeking to renew your Subaru insurance, there's a chance you might see a reduction in your rates.

Insurance company’s own underwriting: Each insurance company has its own underwriting process that will help determine the rate you’re offered.

Is it safe to buy Subaru insurance online?

Yes, it’s totally safe to buy car insurance online. We’ve helped Canadians save millions on their insurance costs, collectively. Get a quote for car insurance on LowestRates.ca and start saving today.

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