Subaru car insurance is a fact of life for all Subaru car owners. Wherever you live in the country, car insurance is a necessity. Therefore it is important to know some of the particularities of car insurance for the make of car you drive. Subaru is a Japanese import car that is extremely popular and boasts rates that are comparable to domestic cars. These cars, well-known for all wheel drive on all their models, have been a part of the American car market for more than 40 years.

Comparing Subaru Car Insurance for Different Models

Subaru car insurance rates vary from model to model. The low end $20,000 Legacy has insurance costs that average a little more than $1150, similar to domestic makes in the price range. However, the high end version of the same model that comes in at over $31,000 costs more than $1400 to insure. The Impreza wagon which is under $20,000 to buy insures for almost $1350. The $34,000 Impreza sedan insures for over $1700. The Outback which retails for $24,200 to $31,500 is inexpensive to insure at only $1050. The Tribeca is another economical model to insure with rates averaging little more than $1200 for a vehicle that costs $30,500 to $35,800. The Forester ranging from $21,700 to $30,000 insures for $1210. As you can see, the cost of the actual car has little to do with the cost of Subaru insurance.

What Makes A Difference With Subaru Car Insurance

While there are many things that can affect the price of your car insurance, it is important to understand these factors. The safety features that are factory installed on a vehicle will impact the cost of insurance. Anti-lock brakes, anti-theft devices, passive restraint systems and more will keep insurance rates down. Expect to pay more for sporty Subaru models, especially turbocharged ones. Cost of parts for the vehicle you drive also impact the cost of insurance coverage.

Of course, your driving record and demographics like where you live, your gender, age and marital status all impact the cost of your car insurance also. While insurers take information about the car you drive into consideration, these other things are also heavily weighted. No matter how safe your car is, if you have a poor driving record, you will find that insurance is costly.

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