Subaru is a Japanese automaker with several signature features, including engines with cylinders in horizontally opposed (or boxer) configuration and symmetrical full-time all-wheel drive. These and other technologies have contributed to its well-known prowess in motorsport, particularly in rally racing. Insuring a Subaru can look very different when it’s a mainstream model such as an Impreza or Outback versus a performance-focused WRX or BRZ. A need for specialized parts and repair knowledge can contribute to premium costs along with external factors such as a driver’s history, collision or theft experience, location and more.
This page uses MyChoice internal quote data to compare Subaru insurance costs across various models and Ontario cities, review new-versus-used planning figures and position the brand among mainstream rivals. It also helps shoppers assess collision, comprehensive, rental transportation, deductibles and replacement-cost protection.
Subaru’s Ontario Insurance Rate Story
Subaru’s $2,272 median annual Ontario premium is 3% below the $2,345 all-vehicle benchmark. Model-specific median estimates run from about $2,213 for the Impreza to $3,040 for the Crosstrek Onyx. This $827 spread suggests that quotes for specific vehicles can vary significantly from the brand median.
| Median Subaru premium (Ontario) | $2,272 |
| Subaru vs Ontario all-vehicle median | -3% |
| Cheapest Subaru model to insure in Ontario | Impreza 2.0i 5Dr (~$2,213) |
| Most expensive Subaru model to insure in Ontario | Crosstrek Onyx (~$3,040) |
| Cheapest alternatives to insure | Mazda ($2,124), Toyota ($2,197), Mitsubishi ($2,235) |
How Subaru Insurance Rates Vary Across Ontario
In our city-specific median estimate data, a 2015 Outback in Ottawa costs $2,059 per year to insure, while a 2020 WRX in Brampton costs $4,861 — a difference of $2,802. The WRX is therefore more than twice as expensive to insure, even though its listed price is only about $4,000 higher. This highlights that multiple factors can influence quoting outcomes, including a model’s performance intent and the driver’s location.
| City | Model | Model Year | List Price | Median Annual Car Insurance Premium |
|---|---|---|---|---|
| Markham, ON | Forester 2.5i | 2024 | $33,595 | $3,046 |
| Ottawa, ON | Forester 2.5X | 2010 | $27,872 | $2,443 |
| Waterloo, ON | Crosstrek Onyx | 2026 | $36,850 | $2,532 |
| Brampton, ON | WRX Sport 4Dr | 2020 | $36,377 | $4,861 |
| Kitchener, ON | Legacy 2.5i | 2014 | $27,296 | $2,079 |
| Mississauga, ON | BRZ | 2017 | $30,445 | $3,803 |
| Ottawa, ON | Outback 2.5i | 2015 | $32,366 | $2,059 |
| Toronto, ON | Impreza 2.0i 5Dr | 2016 | $25,903 | $2,318 |
Is a Used Subaru Cheaper to Insure?
A used Subaru is estimated to cost $2,179 per year to insure, compared with $2,340 for a new one. That is a saving of $161 per year, or about $13 per month. Because the difference is modest, the exact model and trim in question may matter more than a vehicle’s age. A highly desirable used WRX STI, for example, may still cost more to insure than a new Outback or Crosstrek.
| Vehicle | Median Annual Car Insurance Premium |
|---|---|
| New Subaru | $2,340 |
| Used Subaru | $2,179 |
How Do Subaru Insurance Costs Compare With Its Competition?
Subaru holds a midpack position for insurance costs among mainstream brands at an estimated $2,272 annually, but the field is tightly packed. Mitsubishi’s median insurance rate is just $37 lower per year, for example, while Toyota is $75 lower and Kia is $27 more expensive. These differences amount to less than $7 per month at most. These results can also shift when quoting on specific vehicles and trim levels.
| Car brand | Median Annual Car Insurance Premium |
|---|---|
| Mazda | $2,124 |
| Toyota | $2,197 |
| Mitsubishi | $2,235 |
| Subaru | $2,272 |
| Kia | $2,299 |
| Honda | $2,303 |
| Nissan | $2,320 |
| Volkswagen | $2,506 |
| Hyundai | $2,684 |
Which Cars Are In Subaru Canada’s Line-up?
Subaru Canada’s website outlines a line-up that spans cars, SUVs, and a growing range of battery-electric vehicles.
The subcompact Crosstrek, compact Forester and midsize Outback are the core SUV models. Among cars, the Impreza is a traditional compact hatchback, while WRX compact sedan and BRZ two-door coupe serve performance buyers. Subaru’s Canadian battery-electric range now includes the Solterra, Trailseeker and Uncharted. Discontinued models such as the Subaru Legacy midsize sedan and Subaru WRX STI high-performance car remain available on Canada’s used vehicle market.
Common Subaru Insurance Questions
How much does it cost to insure a Subaru in Ontario?
On average, Subaru insurance is not particularly expensive compared with the Ontario market overall. It costs a median of $2,272 per year, or about $189 per month, based on MyChoice’s internal quote data.
Are Subaru vehicles reliable and safe?
As a brand, Subaru ranks well in reliability. The 2026 J.D. Power U.S. Vehicle Dependability Study rates Subaru among the top 10 most reliable brands in the industry. Subaru also takes pride in its crash test results from the Insurance Institute for Highway Safety (IIHS) as its vehicles have historically largely been given the highest Top Safety Pick+ rating.
Among 2026 models with complete ratings, the Subaru Forester and the redesigned Subaru Outback achieve this designation. The brand is also known for innovative safety and driver assistance technologies such as its EyeSight feature suite, which is increasingly being included as standard equipment. However, this has not always been the case, so be sure to check the specifications on the exact vehicle you’re considering.