Key Facts About Insuring a Subaru in Ontario
The figures below are based on MyChoice’s proprietary online quote data collected from Subaru drivers in Ontario in 2026.
| Average Subaru insurance premium (Ontario): | $1,702 |
| Cheapest Subaru model to insure: | Outback ($1,413) |
| Most expensive Subaru model to insure: | BRZ ($2,458) |
| Cheaper alternatives to Subaru for car insurance: | Mitsubishi ($1,519), Fiat ($1,612), Volkswagen ($1,644) |
| Subaru collision rate in Ontario: | 10.6% of Subaru drivers have ≥1 at-fault accident |
How Much Does it Cost to Insure Your Subaru in Ontario?
Where you park your Subaru matters. Subaru insurance in Ontario averages $1,702 a year, but rates swing widely by city, climbing in cities like Scarborough and easing in smaller communities such as Sudbury.
Here’s the estimated average annual Subaru premium across Ontario:
| City | Average Annual Insurance Premium |
|---|---|
| Brampton, ON | $2,771 |
| Scarborough, ON | $2,433 |
| Vaughan, ON | $2,159 |
| Mississauga, ON | $1,991 |
| Markham, ON | $1,887 |
| Toronto, ON | $1,875 |
| Barrie, ON | $1,691 |
| Oshawa, ON | $1,690 |
| London, ON | $1,626 |
| Windsor, ON | $1,624 |
| Thunder Bay, ON | $1,622 |
| Hamilton, ON | $1,492 |
| Sudbury, ON | $1,470 |
| Kitchener, ON | $1,445 |
| Kingston, ON | $1,388 |
| Ottawa, ON | $1,341 |
How Subaru Car Insurance Costs Compare to Similar Vehicle Brands
When selecting a vehicle, many potential buyers often weigh the insurance rates of different brands, including Subaru, against each other. Insurance costs can significantly influence the decision-making process.
Based on internal customer quote data, our analysis shows that Subaru’s insurance costs are relatively affordable compared to other car brands. While Subaru’s rates are lower than those of Toyota, Hyundai, and Nissan, they are slightly higher than Honda’s. This makes Subaru a cost-effective option for buyers looking for a balance between insurance affordability and vehicle performance.
| Car Model | Average Annual Insurance Premium |
|---|---|
| Mitsubishi | $1,519 |
| Fiat | $1,612 |
| Volkswagen | $1,644 |
| Subaru | $1,702 |
| Kia | $1,715 |
| Dodge | $1,756 |
| Ford | $1,810 |
Subaru Car Insurance Rates Through The Years
In the past eight years, Subaru insurance rates have shown some fluctuations but have generally trended upward. Here’s an updated overview of the Subaru insurance premiums in recent years:
| Year | Average Annual Insurance Premium | YoY Change |
|---|---|---|
| 2020 | $1,348 | — |
| 2021 | $1,425 | +5.7% |
| 2022 | $1,516 | +6.4% |
| 2023 | $1,605 | +5.9% |
| 2024 | $1,726 | +7.5% |
| 2025 | $1,692 | -2.0% |
| 2026 | $1,702 | +0.6% |
Subaru Car Insurance Rates by Model
When insuring your Subaru, the model you choose significantly impacts the insurance rates. Our detailed analysis below provides a comprehensive view of the insurance costs for various Subaru models from different years.
| Model | Average Annual Insurance Premium |
|---|---|
| Outback | $1,413 |
| Forester | $1,423 |
| Crosstrek | $1,585 |
| Legacy | $1,750 |
| Impreza | $1,826 |
| Ascent | $1,979 |
| WRX | $2,240 |
| BRZ | $2,458 |
What Are the Most Popular Subaru Vehicles?
Subaru has produced many well-known models over the years. Here are a few of the most popular ones in the last decade, upgraded for 2020.
Subaru Insurance FAQs
Do Subaru Vehicles Have a Good Safety Rating?
The Subaru brand has an excellent reputation for safety, thanks to its models’ innovative safety features. Most Subaru models are easy to drive, handle well, and have superb visibility and traction control.
These features reduce the chances of a collision. If a road accident does occur, Subaru vehicles are equipped with a full airbag set, collapsible pedals, and reinforced safety belts.
Many Subaru models also include a keyless entry system, panic alarm, and engine immobilizers, which help prevent car theft.
Which Subaru model is the least expensive to insure?
According to our internal data, the Subaru Outback is the most affordable model to insure in Ontario, with an average annual premium of $1413.