SUBARU Car Insurance

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Subaru is known for its standard symmetrical all-wheel drive and strong reputation for reliability in winter conditions. The brand appeals to active drivers and families seeking versatility, safety, and solid road handling, especially in the Outback and Forester models.

SUBARU CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, average premiums for Subaru vehicles fluctuate, dropping from $1510 in 2021 to $1158 in 2022, then gradually climbing to $1343 in 2025 before easing slightly to $1258 in 2026. Overall, the premium remains below the 2021 starting level.

To find the best insurance for your SUBARU vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your SUBARU

How much does insurance for your SUBARU cost in Quebec?

The highest Subaru premiums are found in Montreal ($1485), Laval ($1461), and Terrebonne ($1439), while Trois-Rivières ($1071), Drummondville ($1101), and Longueuil ($1175) show the most affordable amounts. The gap between cities remains moderate.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City	Average price over the last 12 months
BROSSARD	$1281.39
DRUMMONDVILLE	$1160.92
GATINEAU	$1284.20
LAVAL	$1453.03
LÉVIS	$1234.10
LONGUEUIL	$1211.01
MONTRÉAL	$1475.77
QUÉBEC	$1261.07
REPENTIGNY	$1325.57
Saguenay	$1322.64
SAINT-JEAN-SUR-RICHELIEU	$1252.55
SAINT-JÉRÔME	$1213.58
SHERBROOKE	$1140.94
TERREBONNE	$1390.24
TROIS-RIVIÈRES	$1077.54

Frequently asked questions (FAQ)

How much does auto insurance cost for a Subaru?

The average premium for a Subaru varies by year, ranging from $1158 in 2022 to $1510 in 2021, with an average of $1258 in 2026 based on the available data.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.

Have Subaru premiums increased or decreased since 2021?

The premium first dropped from $1510 in 2021 to $1158 in 2022, then gradually rose to $1343 in 2025 before easing to $1258 in 2026. The overall trend remains below the 2021 level.

Which city offers the lowest insurance cost for a Subaru?

Based on the data provided, Trois-Rivières ($1071), Drummondville ($1101), and Longueuil ($1175) show the lowest average premiums for Subaru vehicles.

Why does all-wheel drive influence the premium?

Subaru's symmetrical all-wheel drive, standard on most models, can slightly raise repair costs, which insurers factor into the premium calculation.

How can I lower my Subaru insurance premium?

Comparing quotes from several insurers, maintaining a clean driving record, and bundling auto with home insurance are effective ways to reduce the premium.