Here are some things to know about insuring Subaru vehicles:
Safety features can help lower insurance costs: Subaru vehicles are known for their strong safety ratings and advanced safety features such as EyeSight driver assist technology. These features may help reduce the risk of accidents and insurance claims, which could result in lower insurance premiums.
Repair costs can vary: While Subaru vehicles are generally known for their reliability, repair costs can vary depending on the model and year. It’s important to research the specific vehicle you are considering and to factor in potential repair costs when determining insurance rates.
Vehicle age can impact insurance rates: Like with many other brands, the age of the Subaru vehicle can impact insurance rates. Newer vehicles may be more expensive to insure due to their higher value and advanced technology, while older vehicles may be less expensive to insure but could have higher repair costs.
Driving history and personal factors can impact insurance rates: As with any car insurance policy, your driving history and personal factors such as age, gender, and location can impact insurance rates for Subaru vehicles. It’s important to compare quotes from multiple insurance providers to find the best rates for your individual situation.
Insurance discounts may be available: Many insurance providers offer discounts for features such as anti-theft devices, safe driving habits, and multi-car policies. It’s worth exploring these discounts to see if you can save on your insurance costs for your Subaru vehicle.
Overall, insuring a Subaru vehicle is similar to insuring any other car brand. It’s important to do your research, compare insurance rates from multiple providers, and factor in potential repair costs and personal factors when selecting an insurance policy.
Do Subaru Vehicles Cost More to Insure than Other Brands?
Insurance costs for Subaru vehicles can vary depending on the specific model, year, and your personal driving history and location. In general, Subaru vehicles tend to have strong safety ratings and advanced safety features, which could potentially result in lower insurance premiums. However, the cost to insure a Subaru may be higher than some other car brands due to factors such as repair costs and vehicle value. It’s important to compare insurance quotes from multiple providers to find the best rates for your individual situation.
The Average Cost of Subaru Car Insurance in Canada?
The average cost of Subaru car insurance in Canada can vary depending on factors such as the specific model and year of the vehicle, your driving history and location, and the insurance provider. Here are some estimated average insurance costs for Subaru vehicles in Canada by province:
Ontario: $1,498 per year
Quebec: $689 per year
British Columbia: $1,990 per year
Alberta: $1,169 per year
Manitoba: $1,060 per year
Saskatchewan: $986 per year
Nova Scotia: $975 per year
New Brunswick: $892 per year
Newfoundland and Labrador: $1,055 per year
Prince Edward Island: $774 per year
The table below shows the Subaru car insurance cost for a sample driver.
Average Subaru Car Insurance Cost*
Subaru Model Factors that Lower Auto Insurance Costs
There are several Subaru model factors that may help lower auto insurance costs:
Strong safety ratings: Subaru vehicles are known for their strong safety ratings, which can potentially result in lower insurance premiums. Models with advanced safety features such as EyeSight driver assist technology may also help lower insurance costs.
Lower horsepower: Subaru models with lower horsepower may be less expensive to insure, as they may be less likely to be involved in high-speed accidents.
Lower vehicle value: Older or less expensive Subaru models may be less expensive to insure, as they typically have lower vehicle values.
Lower risk of theft: Subaru models with lower theft rates may be less expensive to insure. For example, the Subaru Impreza and Legacy have lower theft rates compared to other Subaru models.
Good driving record: Maintaining a good driving record and avoiding accidents and traffic violations can help lower insurance costs for any Subaru model.
Subaru Model Factors that Increase Auto Insurance Costs
There are several Subaru model factors that may increase auto insurance costs:
High-performance models: Subaru models with high-performance engines, such as the WRX and STI, may be more expensive to insure due to their increased risk of accidents and higher repair costs.
Newer models: Newer Subaru models may be more expensive to insure due to their higher value and increased repair costs.
All-wheel drive: Subaru’s standard all-wheel drive feature can result in higher insurance costs due to the increased cost of repairs.
Higher horsepower: Subaru models with higher horsepower may be more expensive to insure, as they may be more likely to be involved in high-speed accidents.
High-risk drivers: Insurance costs for any Subaru model may be higher for drivers with poor driving records, DUIs, or other high-risk factors.
Tips for Finding Cheap Subaru Car Insurance Rates
Here are some tips for finding cheap Subaru car insurance rates:
Compare insurance quotes: Be sure to shop around and get quotes from multiple insurance providers to find the best rates for your specific Subaru model.
Choose a higher deductible: Opting for a higher deductible can lower your monthly insurance premiums, but keep in mind that you’ll be responsible for paying that higher deductible if you need to file a claim.
Take advantage of discounts: Many insurance providers offer discounts for features such as anti-theft devices, good driving records, and safety features such as airbags and backup cameras. Make sure to ask your insurance provider about any available discounts.
Consider bundling insurance policies: Some insurance providers offer discounts for customers who bundle their auto insurance policy with other policies such as homeowners or renters insurance.
Maintain a good driving record: Avoiding accidents and traffic violations can help keep your insurance rates low, as insurance providers often charge higher rates for high-risk drivers.
Choose a low-risk model: As mentioned earlier, Subaru models with lower horsepower, older models, and models with lower theft rates may be less expensive to insure.
Some Interesting Facts About Subaru:
Here are some interesting facts about Subaru:
Subaru is a Japanese automaker founded in 1953 that is known for producing all-wheel-drive vehicles.
The name “Subaru” is the Japanese word for the Pleiades star cluster, which is represented by six stars in the automaker’s logo.
Subaru is the automotive division of Fuji Heavy Industries, which also produces industrial products such as generators and aerospace equipment.
Subaru is popular among outdoor enthusiasts and adventure seekers due to the brand’s reputation for reliability and off-road capabilities.
Subaru has a strong presence in motorsports, particularly in the World Rally Championship, where the brand has won multiple titles.
The Subaru Outback, a popular crossover SUV, was originally introduced in 1994 as a trim level of the Subaru Legacy wagon.
Subaru is committed to environmental sustainability, and has implemented a zero-landfill policy at its manufacturing facilities.
The Subaru Forester was named the Best Compact SUV by Consumer Reports in 2020.
The Subaru Impreza was the first car ever to receive a perfect score in the Japanese New Car Assessment Program crash test.
Subaru is also known for its boxer engine design, which features a horizontally-opposed engine layout that results in a lower center of gravity and improved handling.
All Subaru Models
Here is a list of all the current Subaru models:
It’s worth noting that Subaru has discontinued some models in recent years, such as the Tribeca and the Baja. Additionally, Subaru has produced a number of special edition or limited edition models of some of their existing models, such as the WRX STI Type RA or the Forester Wilderness.
What is the Average Maintenance Cost of a Subaru in Canada?
The average maintenance cost of a Subaru in Canada can vary depending on a number of factors, including the specific model, age, and mileage of the vehicle, as well as the location and the maintenance services required. According to some estimates, the average annual maintenance cost for a Subaru in Canada is around $800-900.
Known Issues with Subaru Vehicles
Subaru vehicles are generally known for their reliability and durability, but like any car brand, they may experience some issues over time. Here are some known issues that some Subaru models have experienced:
Head gasket failure: Some older Subaru models have had issues with head gasket failure, which can cause engine damage and overheating. This is more commonly seen in models produced before 2010.
Oil consumption: Some Subaru models have been known to consume more oil than expected, which can lead to engine damage and other issues over time. This is often seen in models with higher mileage.
Transmission issues: Certain Subaru models have experienced transmission issues, such as slipping or jerking, which can be expensive to repair.
Suspension issues: Some Subaru models have had issues with the suspension, including noisy or squeaky suspension components, worn out shocks or struts, and excessive tire wear.
Electrical issues: Like any modern vehicle, Subaru models have a complex electrical system that can experience issues over time. Common issues include battery drain, faulty sensors, and electrical shorts.
What is the Safety Rating of Subaru?
Subaru is known for producing vehicles with high safety ratings. In fact, many Subaru models have received the highest safety ratings from both the National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS).
For example, the 2022 Subaru Outback and Legacy received the highest possible safety rating of 5 stars from the NHTSA, while the 2022 Subaru Ascent and Forester both received an overall 5-star safety rating from the NHTSA as well as a 2021 Top Safety Pick+ rating from the IIHS.
Does Subaru Get Stolen a Lot in Canada?
According to the Insurance Bureau of Canada’s (IBC) annual list of the most stolen vehicles in Canada, Subaru models do not appear to be among the most commonly stolen vehicles in the country.
In the most recent report released by IBC in 2021, the Honda CR-V was ranked as the most stolen vehicle in Canada, followed by the Lexus RX350, Honda Civic, Acura MDX, and Honda Accord. However, it’s important to note that car theft can vary depending on many factors such as location, vehicle model, and year.
Is Subaru Easy to Steal?
Subaru vehicles are not typically considered easy to steal. In fact, many Subaru models have advanced security features designed to prevent theft.
For example, most Subaru models are equipped with an engine immobilizer system, which prevents the engine from starting without the use of a properly coded key or key fob. Additionally, some newer Subaru models come equipped with Subaru’s STARLINK Safety and Security system, which includes a stolen vehicle recovery feature that can help locate the vehicle if it is stolen.
List of Most Frequently Stolen Subaru Vehicles in Canada
According to the Insurance Bureau of Canada (IBC), the following are the most frequently stolen Subaru vehicles in Canada:
2018 Subaru WRX
2017 Subaru WRX
2009 Subaru Impreza
2016 Subaru WRX
2007 Subaru Impreza
2019 Subaru WRX
2015 Subaru WRX
2018 Subaru STI
2013 Subaru Impreza
2017 Subaru STI
Pros and Cons of Subaru Vehicles
Pros of Subaru Vehicles:
All-Wheel Drive: Most Subaru models come standard with all-wheel drive, which provides better traction and handling in a variety of weather conditions.
Reliability: Subaru has a reputation for producing reliable vehicles, and many of their models have high safety ratings.
Off-Road Capability: Some Subaru models, like the Outback and Forester, have higher ground clearance and are well-suited for off-road adventures.
Comfort: Subaru vehicles are known for their comfortable interiors, with plenty of space for passengers and cargo.
Cons of Subaru Vehicles:
Price: Subaru vehicles can be more expensive than some of their competitors, particularly when it comes to all-wheel drive models.
Fuel Efficiency: While Subaru vehicles have improved in terms of fuel efficiency in recent years, some models still have lower gas mileage compared to other vehicles in their class.
Noise: Some Subaru models can be noisy on the highway, with noticeable wind and road noise.
Transmission Issues: Some Subaru models have experienced transmission issues in the past, particularly with the continuously variable transmission (CVT). However, Subaru has worked to address these issues in newer models.
Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.