As of a report published at the end of 2025, Insurify has named Subaru as the cheapest automaker to insure, with the Subaru Outback as the cheapest vehicle to insure in any segment. What's more, the brand dominates Insurify's top 10 2024/2025 cheapest-to-insure list by a landslide, claiming half the list.If you drive a Subaru, or if you know a few Subaru drivers, this probably doesn't surprise you. Maybe we're just seeing confirmation bias here, but the data does seem to support the impression of Subaru as a safe brand that attracts smart drivers. Here's what you need to know. New Subarus Are Cheaper To Insure Than The Average Used Vehicle Subaru According to Insurify, the national average people are paying for car insurance, on 2024 and 2025 models, is $2,823, which is pretty high. The national average across all model years comes out to $2,112. Here's how the top ten list breaks down, along with MSRPs, as listed by Insurify.The Hyundai Santa Cruz deserves some commendation as the only model standing between Subaru and a clean sweep of the top five. But Subaru absolutely embarrasses the competition on this front for 2025, leaving every car that isn't a Subaru or a Santa Cruz to fight for seventh place. Why Are Subarus So Cheap To Insure? Ian Wirght/CarBuzz/Valnet Insurance providers don't share every detail of their internal algorithms with the public, but there are certain factors that go into the equation no matter which provider we're talking about. Subarus Are Very Safe To Drive Safety ratings are important, such as the awards handed out by the Insurance Institute for Highway Safety. The same goes for five-star crash test ratings, as scored by the National Highway Traffic Safety Administration. Subaru scored six IIHS awards in 2024. 2024 Subaru Impreza - Top Safety Pick 2024-2025 Subaru WRX - Top Safety Pick 2024-2025 Subaru Outback - Top Safety Pick 2025 Subaru Forester - Top Safety Pick+ 2024 Subaru Solterra - Top Safety Pick+ 2024-2025 Subaru Ascent - Top Safety Pick+ The Forester, Ascent, and Solterra all retained their awards for 2025. Subaru Specializes In SUVs Subaru Take a look at Insurify's top 10 list, and you'll find two pickup trucks, a sedan, and a bunch of SUVs. The Insurance Institute's list of award winners is comprised almost entirely of SUVs. SUVs routinely score four and five-star ratings with the NHTSA. Historically, these top-heavy vehicles have had issues with rollover, but electric SUVs, which store their heavy battery packs along the floor, have proven that you can get around this hangup.Subaru is an automaker that specializes in SUVs, specifically all-wheel drive, off-road-capable SUVs (you can call the Outback a wagon if you like, but Subaru doesn't). That gives the brand an edge in scooping up safety awards and places on top 10 lists like this one. Subarus Are Affordable Subaru Simply put, the less you spend on a car, the less it's likely to cost you to insure it. When you combine that with excellent safety ratings and an SUV body style, you wind up with something that will naturally have drivers paying less for insurance than their neighbor with the luxury sedan. Subaru Attracts Safe Drivers Subaru Insurance companies use a lot of internal data on their drivers in order to set rates fairly (or as fairly as possible) based on statistical probability. Insurance companies obviously see something in Subaru drivers that makes them lower-risk. We don't actually need to look at internal reports to figure this out, though, as the IIHS has reported that Subaru drivers actually like using the advanced safety features available to them.A survey of 3,500 Subaru owners saw 87% of drivers reporting that they keep the DriverFocus driver awareness system engaged at all times. Of these drivers, 64% report that it makes them safer drivers, while 63% report that it helps them to avoid distractions.This is all self-reporting on the part of Subaru owners, but it's difficult to imagine a reason for Subaru drivers to get together and agree to pull one over on the gang at the Insurance Institute. Subarus See Lower-Than-Average Insurance Losses Subaru According to data from the Highway Loss Data Institute, Subarus tend to come in well below average in terms of average insurance losses. The Subaru Forester's insurance losses for collision coverage are 36% below average, while the SUV's bodily injury liability coverage comes in 47% below average. This tracks across all models that made the list.However the insurers calculate your rates, at the end of the day, the deal is pretty simple: you pay them to take on your risk. The less risk you're bringing to the table, the less they're going to charge you to shoulder the burden. How Can You Keep Your Own Insurance Costs Down? Subaru Based on this report from Insurify, one of the easiest ways to keep your own insurance costs down is to trade in whatever you're driving for a Subaru. No matter your credit, no matter your driving history, a safety-award-winning SUV starting at an MSRP below $30,000 is going to be cheaper for you to cover than a fully-loaded Dodge Charger.If that's not an option, there are some things you can do to bring those insurance bills down.Check your annual mileage. Your insurance policy may have you covered for an average of 10,000 or 15,000 or however many miles a year. If you're not driving nearly that many miles, you can probably talk your provider down a bit. Raise your deductible. According to Consumer Reports, you could be saving up to 25% by bumping your deductible up from $500 to $1,000. Drive an older model. Whether or not you're ready to ditch the Mercedes-Benz, with its sky-high insurance costs, for a Subaru, buying just a few years out of date can knock tens of thousands of dollars off your car's market value, meaning your insurer has a smaller repair bill to cover should something happen, and that translates to lower monthly costs for you. Improve your credit. According to a 2023 Consumer Federation of America study, poor credit could have you paying more than twice for insurance what you'd be paying with good credit. Drop your collision and comprehensive insurance (if you feel comfortable doing so). The IIHS reports that you could save about $1,165 a year by dropping collision and comprehensive insurance. Consumer Reports suggests that you consider this when your premium exceeds 10% of the car's current value. Pay out of pocket for small incidents. Fender benders, minor dings and dents, a busted side mirror. It's tempting to ask your insurer to handle it, but these minor claims add up to higher rates very quickly. Ultimately, it's all about proving to your insurance provider that you're a safe, sensible driver. Your choice of car is a big part of that. You can buy a used BMW in decent shape for less than $15,000 if you shop around, but it's still a flex to keep it in the driveway, because you're not just paying for the sticker price, you're paying more for insurance (and maintenance), as well.To put it another way: one of the easiest ways to pay less for insurance is to ask yourself "what would a nerd drive?" and go with that. Yes, Subarus are rugged and fun to drive, but they're also some of the most sensible, affordable vehicles on the market, making them very attractive to safe, sensible drivers, and very attractive to insurance companies.