Best Car Insurance Companies for Subarus in 2024 (Check Out These 10 Providers)

#1 – Geico: Best for Online Convenience

Pros

• Effortless Digital Savings: Geico offers a significant 10% rebate for Subaru owners with low mileage, reflecting its commitment to user-friendly online management. The streamlined digital interface ensures swift and effective policy handling and claims processing. Read the article called, “How do I file a car insurance claim with Erie?” for additional insights.
• Top Financial Stability: Holding an A++ grade from A.M. Best, Geico is renowned for its exceptional financial security, assuring robust coverage and reliability for Subaru vehicles, giving customers confidence.
• Seamless Digital Experience: Geico’s advanced online capabilities facilitate easy policy adjustments and claims submissions, enhancing overall convenience for Subaru owners. This level of digital efficiency significantly simplifies insurance management.

Cons

• Discounts May Lag Behind: While Geico provides a 10% rebate for low mileage on Subaru vehicles, this may not be as competitive as discounts offered by some other insurers, potentially affecting total savings.
• Coverage Constraints: Despite its excellent online services, Geico’s insurance options for Subaru vehicles might be more standardized and less flexible compared to other insurers, which could limit customization.

#2 – Allstate: Best for Customized Policies

Pros

• Personalized Savings for Subaru: Allstate provides a 12% rebate for Subaru owners with low mileage, showcasing its dedication to offering tailored discounts based on individual driving patterns and needs. Explore insurance savings in our full guide titled, “Allstate Auto Insurance Review & Complaints.”
• Solid Financial Health: With an A+ rating from A.M. Best, Allstate demonstrates reliable financial stability, ensuring dependable and secure coverage for Subaru owners. This rating highlights the insurer’s robustness and trustworthiness.
• Highly Adaptable Coverage Options: Allstate excels in offering a wide array of customizable policy choices, allowing Subaru owners to select coverage plans that precisely match their specific requirements and preferences.

Cons

• Discounts May Fall Short: The 12% rebate for low mileage on Subaru vehicles, while generous, might not be as advantageous compared to higher discounts available from some other providers, potentially impacting overall savings.
• Possible Premium Costs: The extensive customization options at Allstate might lead to higher premiums for Subaru insurance, especially when opting for comprehensive coverage features.

#3 – USAA: Best for Military Members

Pros

• Exclusive Military Rebates: USAA offers a 10% rebate for Subaru drivers with low mileage, specifically tailored for military members, making insurance more affordable for those in service. This focused discount highlights USAA’s commitment to supporting military families. Learn more about the offerings in our guide titled, “USAA Insurance Review & Complaints.”
• Outstanding Financial Security: With an A++ grade from A.M. Best, USAA showcases top-notch financial stability, guaranteeing that Subaru insurance policies are backed by a financially sound institution.
• Specialized Military Coverage: USAA’s policies are designed to address the unique needs of military personnel, providing benefits and features that are particularly beneficial for Subaru owners who are active or retired military members.

Cons

• Eligibility Limitations: The 10% rebate for low mileage on Subaru insurance is exclusively available to military members, which may exclude non-military individuals from accessing these benefits.
• Coverage Scope: While USAA offers exceptional service for military members, its insurance options might not be as diverse or extensive for non-military Subaru owners compared to other insurers.

#4 – State Farm: Best for Financial Strength

Pros

• Stable Savings for Subaru: State Farm provides an 8% rebate for low mileage Subaru drivers, contributing to cost-effective insurance while leveraging its substantial financial strength to ensure reliable coverage.
• Robust Financial Backing: With a B rating from A.M. Best, State Farm delivers solid financial stability, ensuring that Subaru insurance policies are supported by a strong and trustworthy financial foundation.
• Extensive Coverage Choices: State Farm’s financial robustness supports a wide range of coverage options, making it a compelling choice for Subaru owners seeking diverse insurance solutions tailored to their needs. Access detailed insights in our guide titled, “State Farm Insurance Review & Complaints.”

Cons

• Lower Discount Rate: The 8% rebate for low mileage on Subaru vehicles might be less competitive compared to higher discounts offered by other providers, potentially resulting in reduced savings.
• Potential Premium Costs: Despite its financial strength, State Farm’s premiums for Subaru coverage might be relatively higher than those of some competitors, which could affect overall affordability.

#5 – Travelers: Best for Industry Experience

Pros

• Generous Subaru Rebates: Travelers offers a notable 14% rebate for Subaru owners with low mileage, reflecting its extensive industry experience and commitment to providing significant savings.
• Excellent Financial Rating: With an A++ grade from A.M. Best, Travelers stands out for its superior financial stability, ensuring consistent and dependable coverage for Subaru vehicles. Dive into our article called, “Travelers Insurance Review & Complaints.”
• Expert Coverage Solutions: Leveraging its long-standing industry expertise, Travelers provides comprehensive insurance solutions tailored to Subaru owners, ensuring thorough coverage with professional support.

Cons

• Discount Comparisons: The 14% rebate for low mileage on Subaru insurance, while impressive, might not be the most competitive compared to discounts available from other industry leaders.
• Coverage Specifics: Despite its industry expertise, Travelers’ specific coverage options for Subaru vehicles might not be as specialized or extensive as those offered by some competitors.

#6 – American Family: Best for Discount Availability

Pros

• Accessible Subaru Rebates: American Family offers a 9% rebate for low mileage Subaru drivers, providing multiple discount opportunities that enhance affordability through diverse programs.
• Reliable Financial Standing: With an A rating from A.M. Best, American Family ensures strong financial health, delivering dependable coverage and peace of mind for Subaru owners. Uncover details in our guide titled, “American Family Insurance Review & Complaints.”
• Varied Discount Programs: American Family’s array of discount options allows Subaru drivers to maximize savings through various available programs, addressing different insurance needs and driving behaviors.

Cons

• Discount Competition: The 9% rebate for low mileage on Subaru insurance might be less competitive compared to higher discount rates offered by other insurers, potentially limiting savings.
• Potential Premium Differences: The premiums for Subaru coverage with American Family might be higher than those of some competitors, depending on the chosen coverage options.

#7 – Liberty Mutual: Best for Add-On Coverages

Pros

• Customizable Add-On Features: Liberty Mutual provides a range of add-on coverages for Subaru vehicles, allowing owners to enhance their insurance plans with additional features tailored to specific needs.
• 11% Low Mileage Rebate: Subaru drivers can benefit from an 11% rebate for low mileage with Liberty Mutual, offering a substantial savings opportunity through their flexible coverage options.
• Strong Financial Rating: With an A rating from A.M. Best, Liberty Mutual offers reliable financial stability and strong support for Subaru insurance policies. Gain insights from our guide titled, “Liberty Mutual Insurance Review & Complaints.”

Cons

• Potential Cost of Add-Ons: The inclusion of various add-on coverages might increase the overall cost of Subaru insurance with Liberty Mutual, potentially leading to higher total premiums.
• Discount Comparison: The 11% rebate on low mileage Subaru insurance might not be the highest available, possibly impacting the overall savings compared to competitors.

#8 – Progressive: Best for Roadside Assistance

Pros

• Comprehensive Roadside Support: Progressive provides outstanding roadside assistance services for Subaru owners, ensuring prompt help in emergencies with their extensive coverage.
• 8% Rebate for Low Mileage: Subaru drivers benefit from an 8% rebate on low mileage with Progressive, contributing to more affordable insurance premiums while enjoying comprehensive roadside support.
• A+ Financial Rating: With an A+ grade from A.M. Best, Progressive demonstrates strong financial stability and reliability, ensuring dependable coverage for Subaru vehicles. To discover more about the company, visit our guide titled, “Progressive Insurance Review & Complaints.”

Cons

• Discount Limitations: The 8% rebate for low mileage on Subaru insurance might not be as generous as those from some other providers, potentially affecting overall cost savings.
• Focus on Roadside Assistance: While Progressive excels in roadside assistance, its overall coverage options for Subaru vehicles might not be as extensive or specialized as those from competitors.

#9 – Farmers: Best for Safe-Driving Discounts

Pros

• Safe-Driving Rewards: Farmers provides a 12% rebate for Subaru owners with a clean driving record, offering financial incentives for responsible driving habits and enhancing overall savings.
• A Rating for Financial Stability: Farmers’ A rating from A.M. Best reflects its strong financial health, ensuring reliable and secure coverage for Subaru vehicles. For more information, check out our complete guide titled, “Farmers Insurance Review & Complaints.”
• Diverse Coverage Options: Farmers offers a variety of coverage options, catering to different insurance needs and preferences for Subaru owners, ensuring comprehensive and tailored policies.

Cons

• Discount Competitiveness: The 12% rebate for safe driving with Farmers might not be the most competitive compared to higher discounts available from other insurers, potentially limiting savings.
• Potential Premium Costs: The premiums for Subaru coverage with Farmers might still be relatively high despite the available safe-driving rebates, potentially affecting overall affordability.

#10 – Nationwide: Best for Vanishing Deductible

Pros

• Innovative Deductible Feature: Nationwide offers a vanishing deductible feature for Subaru drivers, gradually reducing the deductible amount over time with claim-free periods, making insurance more affordable in the long term.
• 10% Low Mileage Rebate: Subaru owners can benefit from a 10% rebate for low mileage with Nationwide, contributing to lower insurance costs while enjoying innovative coverage features.
• Strong Financial Foundation: With an A+ rating from A.M. Best, Nationwide ensures solid financial backing and reliability for Subaru insurance policies, providing stability and peace of mind. For further details, see our guide titled, “Nationwide Insurance Review & Complaints.”

Cons

• Potential Deductible Costs: The vanishing deductible feature might lead to higher initial insurance costs with Nationwide, depending on the policy structure and claim history.
• Discount Comparison: The 10% rebate for low mileage on Subaru insurance may not be the most competitive compared to other providers with higher discount rates.

Subaru Insurance Rates: Comparing Coverage Costs by Provider

When evaluating Subaru car insurance, coverage rates vary significantly between providers and coverage levels. The table illustrates the monthly premiums for minimum and full coverage options across several top insurers. Discover more by exploring our in-depth guide titled, “Best Car Insurance Company for a Low Budget.”