Compare the best Subaru car insurance quotes for free.

Car insurance on a used Subaru will typically be cheaper than if you were splurging on a new car. That’s because it’s much more expensive to replace a new car than an older vehicle with greater wear and tear. Used cars are typically more than five years old and don’t require as much in terms of extra coverage.

More people with new cars, by contrast, are advised to get comprehensive and collision coverage, which can add up your yearly expenses. Collision coverage helps manage the costs of Subaru insurance claims if you collide with another vehicle or object (watch out for the underground parking post) and comprehensive coverage helps you out if your Subaru experiences weather damage, theft and vandalism, and other unexpected damage. Leased cars also usually require that the owner purchases these two types of coverage.

While you always want to shop around for the best Subaru insurance broker, there’s no single insurance provider for one particular make of car. What’s most important is the driver of the vehicle. Your personal data will carry the biggest weight when it comes to your Subaru insurance policy.

Insurance companies all have their own different underwriting stands, so prices will differ. That’s why it’s best to use LowestRates.ca’s comparison tool to review Subaru insurance quotes from a wide range of insurance companies. Using this tool, you can find the answers to your top Subaru insurance questions within minutes.

Your Subaru insurance coverage is determined after making a risk assessment based on certain criteria. An insurance company will often review:

Location: Not all provinces and territories offer private auto insurance so your location will factor into your premium costs. Some provinces are also known for higher car insurance prices than others. For example, B.C. and Ontario are known for having higher insurance rates. The city or town where you live will also influence your premiums. If you live in a big city like Toronto or Vancouver, you’ll probably pay higher rates than if you lived somewhere remote. That’s because there are higher instances of theft and vehicle damage.

Age: Some provinces, like Ontario, Alberta and Quebec, let auto insurance providers dictate rates based on a driver’s date of birth. Young people are less experienced and more of a risk on the road when it comes to driving, so they sometimes have to fork out more money when it comes to auto insurance. Typically, anyone under the age of 25 is considered a young driver.

History: A clean driving record will work in your favour when applying for car insurance. If you’ve filed a claim in the past or have been convicted of a driving offence, providers will consider you risky and up your insurance costs.

Customer loyalty: Insurance companies love repeat customers. So, if you’re seeking to renew your Subaru insurance, there's a chance you might see a reduction in your rates.

Insurance company’s own underwriting: Each insurance company has its own underwriting process that will help determine the rate you’re offered.

Yes, it’s totally safe to buy car insurance online. We’ve helped Canadians save millions on their insurance costs, collectively. Get a quote for car insurance on LowestRates.ca and start saving today.