Just got a new Subaru and joined the club… but my insurance bill shot up. Anyone else deal with this? Trying to figure out if it’s just me or something normal.
Funny enough, mine actually dropped when I switched to a Subaru.
Alexander said:
Funny enough, mine actually dropped when I switched to a Subaru.
Same thing happened to me. Went from a Camry to an Outback.
Alexander said:
Funny enough, mine actually dropped when I switched to a Subaru.
Same thing happened to me. Went from a Camry to an Outback.
Were your Subarus brand new? Usually new cars are more expensive to insure.
@Davis
Yeah mine was new, but my rate still dropped. The safety features helped a lot.
Lilnim said:
@Davis
Yeah mine was new, but my rate still dropped. The safety features helped a lot.
I’m 22. Upgraded from a 2013 Forester to a 2022 Outback. My rate didn’t change much, but I saved like $20 a month. Not bad honestly.
Lilnim said:
@Davis
Yeah mine was new, but my rate still dropped. The safety features helped a lot.
What car did you have before? If it was something like a Wrangler, those are super pricey to insure.
Also, what made you trade a 2024 for another 2024 or 2025? Just curious.
@Davis
I had a Nissan Altima. This was years ago. Traded for a Crosstrek with better safety stuff like backup cam and Eyesight. That helped lower my rate a bit.
Lilnim said:
@Davis
I had a Nissan Altima. This was years ago. Traded for a Crosstrek with better safety stuff like backup cam and Eyesight. That helped lower my rate a bit.
Got it.
Lilnim said:
@Davis
Yeah mine was new, but my rate still dropped. The safety features helped a lot.
I thought switching from my 21 WRX (no Eyesight) to a 24 Outback XT would save me money. But I’m actually paying more now lol
@Pippin
Every state and company seems to do things differently. My quote was from 5 years ago. And yeah, repair costs are wild now too.
@Davis
New cars usually have more safety features though, that should help.
DukeJames4 said:
@Davis
New cars usually have more safety features though, that should help.
I get that, but new cars still cost more to replace. So insurance goes up. Safety might help, but not always enough to cancel that out.
@Davis
Nah, it was a 2018 Camry and now a 2022 Outback. Also I’m not under 25 anymore lol
Tully said:
@Davis
Nah, it was a 2018 Camry and now a 2022 Outback. Also I’m not under 25 anymore lol
It’s still a newer car though.
Insurance prices depend on a lot of stuff—how much they’d pay if it got totaled is a big one. Older cars usually mean lower payouts, so cheaper coverage.
Do you remember how much you sold the Camry for and what you paid for the Outback?
@Davis
Yeah I remember. But I checked with State Farm before trading and they said the Outback would actually be slightly cheaper per month. After I bought it, the rate stayed the same. They said it’s likely because of the safety features.
@Tully
Mine dropped too! Went from a 2017 Jeep Renegade Trailhawk to a 2023 Onyx. I even asked the rep if they were sure lol. They said Outback is safer and smaller.
Fintan said:
@Tully
Mine dropped too! Went from a 2017 Jeep Renegade Trailhawk to a 2023 Onyx. I even asked the rep if they were sure lol. They said Outback is safer and smaller.
Just looked up a comparison of insurance rates between Jeep and Subaru. Jeeps (especially Wranglers) are super high. Outback is one of the cheapest mid-size SUVs to insure.
Link had Renegade ranked 16th most pricey out of 47, while Crosstrek was the cheapest.
@Davis
Mine was brand new. 2024 Onyx.
@Davis
My rate was $75/month for 6 months. Then I moved and it tripled.