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When looking for a vehicle, many Canadians choose Subaru. The popular Japanese automaker is known for producing vehicles with impressive safety ratings, sporty aesthetics, and all-wheel drive capabilities, which the brand has made standard across most of its lineup. If you recently purchased a Subaru or you're in the process of buying a new car, you'll need the right car insurance to protect your ride on and off the road.
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
Similar to standard vehicle insurance, Subaru car insurance is a type of coverage provided to you by an insurance company that is specifically designed to protect your model of vehicle. In exchange for a monthly payment (premium), your insurance company will cover certain costs if you get into a collision, damage your vehicle, or cause damage or injuries to a third party.
All car insurance in Canada is mandatory, regardless of what type of vehicle you drive. However, the types of coverage and minimums you are legally required to purchase will vary between different provinces. For example, Quebec drivers only need $50,000 in third-party liability insurance while those in Ontario require a minimum of $200,000.
Certain types of coverage are mandatory in Canada, which means you’ll have to ensure your policy includes these types. However, many coverage options are not compulsory, and therefore, you’ll need to consider whether they’re worth buying. Here's a closer look at the different types of auto insurance you'll need to consider:
Third party liability coverage
Accident benefits coverage
Uninsured motorist coverage
Direct compensation - property damage coverage
Collision coverage
Comprehensive insurance
Accident forgiveness
Waiver of depreciation
Loss of use coverage
Third-party liability car insurance is mandatory in Canada, with each province setting its own minimum requirement. Liability coverage aims to protect the policyholder if they are found at fault for a collision. This type of coverage can help pay for medical expenses related to accidental injuries and vehicle repair costs, as well as legal representation and any applicable court fees.
[Not mandatory in Newfoundland] Accident benefits coverage protects policyholders if they are involved in an accident that causes injuries to themselves, their passengers, or pedestrians, regardless of who is at fault. This mandatory Subaru auto insurance will cover the cost of medical bills, rehabilitation expenses, and other associated costs related to your recovery.
[Not mandatory in Alberta] If Subaru owners are involved in an accident with another driver who is either uninsured or underinsured, this policy will cover the cost of vehicle repairs required for your vehicle. Uninsured motorist coverage will also protect you if you are involved in a hit-and-run accident.
[Not mandatory in Ontario] Also known as no-fault insurance, direct compensation coverage will help pay for damages if you get into an accident that was not your fault. This can include injuries and damages to your vehicle. However, you will only receive coverage when you are at fault if you have collision and comprehensive coverage.
Collision car coverage is optional in Canada, but Subaru drivers may wish to purchase it for additional peace of mind. This type of collision coverage protects the policyholder if they get into an accident with another car or object on the road. It covers the driver regardless of whether they are liable for the accident.
Subaru drivers in Canada might choose to purchase comprehensive car coverage. Without comprehensive coverage, your car insurance policy will likely offer protection in the event of an accident. However, it won’t protect you against theft, vandalism, fire, or water damage. Comprehensive coverage does just that, allowing drivers to rest easy knowing they are covered no matter what life throws their way.
One more type of optional car insurance coverage popular among Subaru vehicles is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim.
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Subaru car insurance should never break the bank. And with the help of an insurance broker, you can make sure that you're never paying more for auto insurance than you have to. BrokerLink’s expert insurance advisors have helped us put together this list of the top ways to save on your Subaru auto insurance rates:
As most Canadian drivers know, insurers use a wide range of factors to determine your Subaru auto insurance. Here's a closer look at what insurance companies will consider when pricing insurance premiums for Subaru vehicles:
From an insurance company’s perspective, age is one of the most significant factors in determining your car insurance premium. Young drivers who have little to no experience behind the wheel typically pay the highest premiums. Senior drivers may also pay more for their Subaru car insurance, based on statistics.
Where you plan to drive your Subaru can also affect your insurance premium. If you live in a high-density urban, you may pay more for your Subaru car insurance costs simply because there is more traffic on the road and therefore, your chances of being involved in a collision increase.
On the other hand, if you live in a quiet, rural part of the country, your insurance may be cheaper.
Having a clean driving history indicates to the insurance company that you are a safe and responsible driver who obeys the rules of the road. In contrast, if you have a poor driving record filled with tickets, demerit points, accidents, and DUIs, insurers will see you as a riskier investment and could raise your premiums.
The specific model and year of the Subaru you purchase, whether it be a Subaru Forester, Subaru Crosstrek, Subaru Outback, Subaru Legacy, Subaru WRX STI, or other model offered by Subaru Canada, as well as whether it’s a new vehicle or a used vehicle, can impact your insurance premiums.
This means that if you’re looking to save money on your Subaru insurance cost, you may wish to consider buying one of the cheaper Subaru models, such as the Subaru Impreza, or even buying a used Subaru rather than a new one.
Renewing car insurance can be a hassle, which is why the experienced brokers from BrokerLink are here to help. With access to multiple auto insurance policies from top providers in Canada, our brokers can help you find lower insurance rates for your Subaru WRX insurance without compromising your level of coverage. We're also an information hub! Whether you need to register your car, are unsure how to report a car accident, or have other insurance-related questions, BrokerLink is a go-to insurance source for all Canadian drivers.
To work with a broker from BrokerLink, don't hesitate to visit us at one of our many locations across provinces. You can also contact us over the phone or reach out to us over email. Alternatively, you can compare Subaru insurance quotes for free using our online quote tool!
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Used cars, no matter the make or model, tend to be cheaper to insure than their new counterparts. Therefore, choosing a used Subaru will likely cost you less to insure than buying a new one. However, there are other considerations when buying a used car. For example, they may not be as fuel-efficient or come with warranties, which could mean paying more money down the line.
Generally speaking, the cheaper the vehicle, the less it costs to insure. Therefore, the newer, more expensive Subaru models that are tricked out with all kinds of state-of-the-art features will typically cost more in car insurance, whereas older, less expensive Subaru models will make for cheaper car insurance. Customizing your vehicle can also impact the cost of insurance. Custom trims cost more to repair or replace, so if you buy a Subaru with custom trims, your insurance rate may be higher.
The Subaru Impreza, Crosstrek, and Forester tend to be the automaker’s least expensive cars, while the Subaru Ascent SUV is its most expensive.
If you're buying your first car, and it happens to be a Subaru, you may be wondering, "How much is car insurance per month in Ontario?" You can expect to pay an average insurance cost of $150 per month to cover your Subaru vehicle. However, your insurance rates will vary based on the types of Subaru insurance policies you choose, your coverage limits, where in Ontario you live, how often you drive your vehicle, and more. Before purchasing insurance, make sure to compare quotes from different providers to ensure you get the best rate possible.
No one insurance provider in Canada is the best for any specific make of car. So many factors come into play when calculating insurance rates, and insurers are constantly underwriting behind the scenes. This means that just because you found a great policy from a certain provider last year, it doesn’t mean it will be the same this year. Do yourself a favour and partner with a broker who can ensure you find the best possible car insurance for your Subaru.
Nowadays, shopping for car insurance online is just as safe as doing so in person. However, that doesn't mean it’s any less stressful. While shopping online might be more convenient, you’ll still have to obtain and compare quotes from several insurance companies to ensure you’re getting the most competitive rate for your Subaru car insurance. This is why we recommend saving yourself the stress and hassle of shopping around by partnering with an insurance broker. A reliable broker like BrokerLink will help you navigate the complicated world of car insurance, ensuring you find the best possible coverage at the lowest price.
Subarus are made by a Japanese auto manufacturer. In fact, Subaru is one of the largest Japanese automakers in the world. Founded by Kenji Kita in 1953, the company quickly became known for its signature boxer engine layout, all-wheel drive and off-road capabilities. Subaru has developed a loyal and devoted fan base around the world, including in Canada. The brand has vehicles for all budgets, ranging from the high-value Impreza to the state-of-the-art Ascent, which has garnered a reputation for being a tech-powered family car. Whether you want a turbocharged engine or a new vehicle with optimal safety ratings, there is a Subaru out there for you!
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