How much are you paying for subaru insurance… is mine too high

Insurance, financing, recalls, & watch Forum
1

Hey everyone, I’m doing some research on Subaru insurance costs and could use your help.

I’m collecting some info and will share the results back on this forum. If you don’t mind answering a few questions, that’d be awesome!

  1. How much do you pay per month for insurance?
  2. How old are you? Male, female, non-binary?
  3. Who’s your insurance provider?
  4. Are you on your own policy or part of a family plan?
  5. What year and model Subaru do you drive? Auto or manual?
  6. Any claims? At-fault or not?
  7. Any tickets? When and what for?
  8. Where do you live? (City/State or Country)
  9. What kind of coverage do you have? Full, liability only, deductible amounts, extras?
  10. If you have full coverage, is it because of a loan? Do you plan to switch to liability after paying it off?

Drop your details below, and I’ll compile everything into some cool stats for the forum!

Thanks for helping out!

2

$785 per year (not sure about monthly)

19, male

RAC

On my mom’s plan as the primary driver

2001 GT Forester, manual, with turbo upgrades, exhaust, brakes, suspension, and sound system

Got hit once but managed to get their plate number

No tickets

Perth, Australia

Full coverage

Keeping full coverage because repairs would cost way more than my deductible.

3

@nelly
Thanks! I can calculate monthly from annual. Is that amount in AUD or USD?

4

Frey said:
@nelly
Thanks! I can calculate monthly from annual. Is that amount in AUD or USD?

That’s in AUD, so around $550 USD.

Also, paying monthly here is more expensive, so it’s not just a simple divide by 12 situation.

5

@nelly
Interesting… how much more would it be per month?

6

Frey said:
@nelly
Interesting… how much more would it be per month?

I think it’d be about $120 per month.

7

[deleted]

8

Fife said:
[deleted]

I remember struggling to pay my $250/month insurance bill while working a minimum wage job… brutal. At least gas was 90 cents a gallon back then.

9
  1. Around $750 every six months
  2. 30, male
  3. GEICO
  4. On my own policy
  5. 2015 WRX, manual
  6. No claims
  7. No tickets
  8. Austin, TX
  9. $100 deductible for comprehensive, $250 for collision, full coverage, and some extra warranty-like coverage
  10. Have full coverage because of a loan, but I’ll keep it even after it’s paid off.
10

@Martina
Another Austin Subaru owner! Small world. Do we know each other? lol

11

@Martina
I’m in Austin too! Picking up my WRX this Friday. Best insurance quote I found was $198/month.

12

  1. €680 per year

  2. 25, male

  3. HUK Coburg

  4. Own policy

  5. 2006 2.0R Manual, built late 2005

  6. No claims

  7. N/A (Here, insurance doesn’t care much about tickets)

  8. Stuttgart, Germany

  9. Partial coverage (covers fire, theft, hitting animals, hail damage, etc.)

  10. N/A

13

@Jones
Awesome, appreciate the info! Getting a nice mix of locations in this data.

14
  1. $72 per month
  2. 25, female
  3. Geico
  4. Sole account owner
  5. 2013 Subaru Impreza, automatic
  6. One not-at-fault claim on my old car
  7. One speeding ticket in 2014
  8. Western Massachusetts
  9. Full coverage, 100/300 liability, $500 deductibles, plus rental car coverage
  10. Planning to keep full coverage after paying off my loan.
15

@Corey
$72/month?! I’m basically the same as you but with a 2008 WRX and I’m paying $136. Time to call Geico lol.

16

Kiran said:
@Corey
$72/month?! I’m basically the same as you but with a 2008 WRX and I’m paying $136. Time to call Geico lol.

WRX insurance is way higher than a non-turbo Impreza. Repairs are more expensive and, well… WRX drivers tend to drive a bit harder lol.

I pay more for my STI than I do for my Porsche GT3. No joke.

17

@Frey
Makes sense now that you say it. I totally overlooked that part haha.

18

Looks like my insurance rate is about to get buried under all these better deals lol.

19
  1. $93 per month
  2. 24, male
  3. Pemco
  4. On my own policy
  5. 2004 WRX, manual
  6. No claims
  7. One speeding ticket
  8. Near Seattle, WA
  9. Full coverage, $1k deductible, 100/50/100 coverage, plus gap insurance
  10. Have a loan, keeping full coverage for now.
20
  1. $190 per month
  2. 45, male
  3. Progressive
  4. Own policy
  5. 2005 Legacy GT, automatic
  6. No claims
  7. No tickets, but I know when to go full throttle lol
  8. Lexington, KY
  9. Full coverage, $500 deductible
  10. Car will be paid off next month!