Subaru Car Insurance

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Subaru Car Insurance

For over 30 years, Humberview Insurance Brokers has been dedicated to helping Subaru vehicle owners in Ontario, Canada, secure the best deals on their car insurance. Our commitment goes beyond just competitive rates; we believe that a well-informed Subaru driver is a happier, safer driver. That's why we offer expert advice and personalized service tailored specifically for Subaru vehicles. From the initial quote to getting coverage—and even beyond—we're here to ensure your insurance experience is seamless and exceptional. Contact us today to get a quote on Subaru car insurance in Ontario.

Standard Subaru Insurance in Ontario


This segment of your Subaru car insurance policy shields against any potential damage you might cause to others or their property. It's crucial for Subaru drivers who prioritize safe and responsible driving practices.

Direct Compensation Property Damage

This coverage protects your Subaru from damage caused by another party when you're not at fault. If you're deemed responsible, collision or all perils coverage becomes essential. Beginning January 1, 2024, there's an option to opt-out of this coverage, providing more flexibility for Subaru owners.

Uninsured Automobile Coverage

Uninsured Motorist Coverage is indispensable for Subaru owners, ensuring protection if you're hit by an uninsured driver or involved in a hit-and-run. It covers damage to your Subaru caused by an identified uninsured driver, offering peace of mind in unforeseen circumstances.

Accident Benefits

This coverage guarantees compensation if you or your passengers are injured or killed in a car accident. For Subaru owners, it provides reassurance, knowing that you and your loved ones are covered. Exploring various options to enhance this coverage is advisable, and consulting with a broker can help you make informed decisions.

Additional Coverages You Should Add For Your Subaru Insurance

Subaru Collision Coverage

This crucial coverage protects your Subaru in the event of collisions with objects or other vehicles, ensuring your vehicle is safeguarded during unexpected accidents.

Comprehensive Coverage for Subaru

Designed to cover specific damages such as theft, fire, and falling objects, this coverage is indispensable for Subaru owners seeking comprehensive protection against unforeseen events.

All Perils Coverage

Offering the utmost protection for your Subaru, this comprehensive coverage combines collision and comprehensive policies, providing enhanced security against theft and other perils.

Accident Forgiveness Coverage

An additional option for Subaru drivers, this coverage protects your driving record and prevents your insurance rates from increasing after your first at-fault accident, especially beneficial for Subaru owners with a history of safe driving.

Depreciation Waiver Coverage

In the event of a total loss, this coverage ensures you receive the purchase price of your Subaru, providing significant financial security and peace of mind.

Rental Vehicle Coverage

This coverage provides a rental vehicle up to a specified limit after an insured loss, ensuring you remain mobile while your Subaru is undergoing repairs.

How Subaru Car Insurance Rates are Determined


The Subaru Model You Drive

Factors like the model's engine size, cost, and safety ratings impact your insurance costs. Different Subaru models may have varying insurance costs based on these attributes.


How You Drive

If you drive many kilometers or use your Subaru for commuting, you'll generally pay more than someone who uses their vehicle occasionally for errands.


The Area in Which You Live

Your location and the areas where you frequently drive your Subaru affect your insurance rates. Typically, larger cities with more traffic have a higher risk of accidents, which could increase rates.


Driver Profile

Factors such as your age, driving history, number of tickets or accidents, and the age when you were first licensed can all influence your insurance rate.


All the Coverages You Choose

The specific coverages you select for your Subaru can affect the total cost. It's important to choose what's right for you, and our brokers can help with these decisions.


Discounts You Qualify for

Various discounts may be available. If you qualify, they can lower your final Subaru car insurance rate.

Ways You Can Save to Get a Cheap Subaru Car Insurance Quote

Bundle Insurance Policies

Combining your Subaru car insurance with a home insurance policy may make you eligible for a multi-line discount.

Insure Multiple Vehicles

If you own more than one vehicle, including your Subaru, insuring all of them with the same company could qualify you for a multi-vehicle discount.

Shop Around

In regions like Ontario, it's wise to explore various options for Subaru car insurance, whether through agents, brokers, or direct insurance companies. Given the diversity of Subaru models, some insurers might offer better deals or specialized coverage.

Increase deductibles

Consider your ability to cover minor damages to your Subaru and adjust your insurance deductible accordingly. This adjustment has the potential to lower your premium costs.

Pay Annually

Save on additional fees by paying for your Subaru car insurance annually or in larger installments. Monthly payments often come with extra charges.

Install Winter Tires

Utilizing winter tires on your Subaru is essential not only for safety in colder climates but may also result in discounts on your car insurance.

Driver’s Training Course

For new or inexperienced Subaru drivers, completing an approved driver training course could lead to reduced insurance costs.

Consider Renewal Discounts

Many insurance providers offer discounts for policy renewals. When searching for Subaru car insurance, take into account long-term renewal prices and potential savings.

Subaru Auto Insurance by Model

Subaru Impreza

A compact sedan or hatchback known for its reliability, versatility, and impressive handling. The Impreza appeals to drivers seeking a balance of efficiency and capability, featuring a comfortable interior and advanced safety technologies for daily commuting or adventurous journeys. Subaru Impreza Insurance Quote.

Subaru Outback

A versatile crossover SUV renowned for its rugged design, spacious cabin, and off-road capability. The Outback is well-suited for outdoor enthusiasts and families, offering ample cargo space, advanced safety features, and exceptional performance for both city and off-road adventures. Subaru Outback Insurance Quote.

Subaru Forester

A compact SUV designed for adventure and practicality, the Forester combines versatility with impressive safety features and off-road capability. With ample cargo space and comfortable seating for five, the Forester is an ideal choice for active lifestyles and family outings. Subaru Forester Insurance Quote.

Subaru WRX

A high-performance compact sedan renowned for its turbocharged engine, precise handling, and sporty design. The WRX appeals to enthusiasts seeking exhilarating driving experiences, featuring advanced performance technologies and dynamic styling. Subaru WRX Insurance Quote.

Subaru BRZ

A sleek and sporty coupe celebrated for its rear-wheel-drive layout, agile handling, and engaging driving dynamics. The BRZ delivers a thrilling driving experience, featuring a responsive engine, precise steering, and dynamic styling for enthusiasts seeking pure driving pleasure. Subaru BRZ Insurance Quote.

Subaru Crosstrek

A rugged and capable crossover SUV blending off-road prowess with everyday practicality and fuel efficiency. The Crosstrek features a spacious interior, advanced safety technologies, and all-weather capability, making it an ideal companion for outdoor adventures and urban exploration. Subaru Crosstrek Insurance Quote.

Subaru Car Insurance FAQ

  • Is Subaru Insurance Expensive?

    Subaru car insurance rates can vary, ranging from moderate to high, especially considering Subaru's reputation for reliability and safety. Several factors contribute to the cost:

    Safety Ratings:Subarus generally boast excellent safety ratings, which can positively impact insurance costs.

    Repair Costs:As with any vehicle, repair costs can affect insurance rates. While Subarus are known for their durability, certain models and features may incur higher repair expenses.

    Model and Features:Different Subaru models, including sedans, SUVs, and sports cars, may have varying insurance costs based on factors such as value, size, and specific features.

  • Is Subaru WRX Insurance Costly?

    Insurance for Subaru WRX can be relatively higher due to its classification as a high-performance sports car. However, its advanced safety features and Subaru's reputation for reliability can help mitigate the cost. Factors such as the driver's history, vehicle usage, and specific features influencing repair costs also play a role in determining insurance premiums.

  • What is the Most Affordable Subaru Model to Insure?

    Typically, the Subaru Crosstrek, being a compact crossover known for its reliability and versatility, tends to have more affordable insurance rates. Its lower market value and efficient performance contribute to this affordability. However, individual factors like driving history and location can also impact insurance premiums.

  • Is the Subaru Forester Cheap to Insure?

    The insurance cost for the Subaru Forester is generally considered moderate, but several factors can influence rates, including:

    Vehicle Value: While the Forester is not a luxury vehicle, it still holds decent value within its segment. Its affordability compared to other SUVs may positively impact insurance costs.

    Safety Ratings: The Forester boasts excellent safety ratings, equipped with advanced safety features like Subaru's EyeSight driver assistance technology. These features can potentially lower insurance premiums.

    High Theft Rate:Historically, Subarus have had lower theft rates compared to some other brands. This reduced theft risk can contribute to more affordable insurance rates for the Forester.

    Repair Costs:The Forester's simple and reliable design, along with widely available parts, can help keep repair costs lower compared to vehicles with more complex electronics and systems.

    Driver Profile:The typical Forester driver profile, often individuals or families looking for a reliable and safe vehicle, can positively influence its risk profile and potentially lower insurance premiums.

  • Which Subaru Models are Ideal for Ontario Roads?

    In Ontario, Subaru models equipped with Symmetrical All-Wheel Drive (AWD) are highly recommended for navigating winter conditions. Consider the following models:

    Subaru Outback and Forester:Both offer AWD as standard, providing stability and traction on snowy roads.

    Subaru Impreza:Available with AWD, making it suitable for both city and highway driving in winter conditions.

    Equipping these models with quality winter tires further enhances their performance on Ontario roads.

  • Are Subarus Good Cars?

    Yes, Subarus are widely regarded as dependable and high-quality vehicles for several compelling reasons:

    Reliability:Subaru has built a strong reputation for producing reliable cars that can withstand various driving conditions and terrain.

    Resale Value: Subarus tend to hold their value well over time, thanks to their durability, performance, and loyal customer base.

    Fuel Efficiency: Many Subaru models are engineered with fuel efficiency in mind, offering drivers an eco-friendly option without sacrificing performance.

    Safety: Subaru prioritizes safety, equipping their vehicles with advanced safety features and earning top ratings in crash tests, providing peace of mind for drivers and passengers.

    Luxury and Comfort: Subarus are known for their versatility, with models like the Forester and Outback offering ample cargo space, all-wheel drive capability, and off-road prowess.

    Performance:With standard all-wheel drive across most of its lineup, Subaru is synonymous with adventure, making it an excellent choice for outdoor enthusiasts and those living in areas with challenging weather conditions.


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