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SUBARU Car Insurance

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Subaru is known for standard all-wheel-drive vehicles that offer safety and versatility in all weather conditions. The brand appeals to families and outdoor enthusiasts seeking reliability and everyday comfort.

SUBARU CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for Subaru vehicles fluctuate: after a sharp drop from $1976 in 2021 to $1158 in 2022, they gradually climb to $1343 in 2025, before easing slightly to $1267 in 2026.

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

How much does insurance for your SUBARU cost in Quebec?

Premiums are highest for Subaru in Montreal ($1505), Laval ($1454), and Repentigny ($1426), while Drummondville ($1060) and Trois-Rivières ($1107) show the lowest amounts. Other cities fall within a mid-range.

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 $1315.61
DRUMMONDVILLE $1060.31
GATINEAU $1352.87
LAVAL $1454.17
LÉVIS $1280.13
LONGUEUIL $1187.65
MONTRÉAL $1504.95
QUÉBEC $1273.70
REPENTIGNY $1426.27
Saguenay $1308.00
SAINT-JEAN-SUR-RICHELIEU $1175.35
SAINT-JÉRÔME $1318.61
SHERBROOKE $1182.96
TERREBONNE $1390.44
TROIS-RIVIÈRES $1106.63

Frequently asked questions (FAQ)

How much does auto insurance cost for a Subaru vehicle?
In 2026, the average premium for a Subaru vehicle stands at $1267, after reaching $1343 in 2025.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.
Why has the Subaru premium fluctuated so much since 2021?
The premium dropped from $1976 in 2021 to $1158 in 2022, then gradually rose to $1343 in 2025, before easing to $1267 in 2026, reflecting shifts in the insurance market.
Which cities offer the lowest Subaru insurance premiums?
Based on the data provided, Drummondville ($1060) and Trois-Rivières ($1107) post the lowest average premiums for Subaru vehicles.
Why does Montreal show the highest Subaru premium?
With an average of $1505, Montreal stands out due to urban density, traffic volume, and higher claim frequency in dense areas.
Does Subaru's all-wheel-drive system affect the premium?
All-wheel drive can slightly influence repair costs, but it's also associated with better road handling, a factor some insurers view favorably.
How can I lower the premium on a Subaru vehicle?
Comparing quotes from several insurers and bundling auto with home insurance remain the most effective ways to reduce the premium, regardless of city.

Offers received by our customers on SUBARU cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 07/13/2026