Subaru Outback Insurance Rates
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UPDATED: May 20, 2024
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Are you stressed about Subaru Outback insurance costs? Your mind might be racing with similar questions like: “How much does it cost to insure a Subaru Outback?” or “Is a Subaru Outback expensive to insure?” Full coverage for a Subaru Outback costs $1,378 a year, or $114 a month. Our guide breaks these rates down further, so you can easily find cheap Subaru Outback insurance rates.
Comparing rates will help you layout a Subaru Outback comparison chart of prices. Enter your ZIP code in our free tool above to get started.
The average insurance rates for a Subaru Outback are $1,362 a year including full coverage. Comprehensive insurance costs an estimated $332 each year, collision insurance costs $482, and liability costs $390. Liability-only coverage costs as little as $452 a year, and high-risk coverage costs $2,908 or more. Teens cost the most to insure at up to $4,976 a year.
Average premium for full coverage: $1,362
Policy rates broken down by type of insurance:
These estimates include $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Outback models.
Price Range Variability
For the normal driver, Subaru Outback insurance rates range from as low as $452 for a discount liability-only rate to a high rate of $2,908 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location can make a big difference on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects insurance prices.
The examples above highlight why all drivers should compare rates for a targeted area and risk profile, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below breaks down average Subaru Outback insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $799
- Drivers who choose higher $1,000 deductibles will pay approximately $186 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,362
- Selecting low deductibles for comprehensive and collision insurance will cost an extra $354 annually
- Drivers with serious driving violations could pay up to $2,908
- Policy cost for full coverage for a 16-year-old driver can cost as much as $4,976 a year
Insurance rates for a Subaru Outback also range considerably based on your risk profile, the model of your Outback, and liability limits and deductibles.
More mature drivers with no violations or accidents and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age
Your home state makes a big difference in Subaru Outback insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,940 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,230 | -$132 | -9.7% |
| Alaska | $1,044 | -$318 | -23.3% |
| Arizona | $1,132 | -$230 | -16.9% |
| Arkansas | $1,362 | -$0 | 0.0% |
| California | $1,552 | $190 | 14.0% |
| Colorado | $1,302 | -$60 | -4.4% |
| Connecticut | $1,400 | $38 | 2.8% |
| Delaware | $1,542 | $180 | 13.2% |
| Florida | $1,706 | $344 | 25.3% |
| Georgia | $1,258 | -$104 | -7.6% |
| Hawaii | $978 | -$384 | -28.2% |
| Idaho | $922 | -$440 | -32.3% |
| Illinois | $1,014 | -$348 | -25.6% |
| Indiana | $1,024 | -$338 | -24.8% |
| Iowa | $918 | -$444 | -32.6% |
| Kansas | $1,294 | -$68 | -5.0% |
| Kentucky | $1,858 | $496 | 36.4% |
| Louisiana | $2,016 | $654 | 48.0% |
| Maine | $840 | -$522 | -38.3% |
| Maryland | $1,122 | -$240 | -17.6% |
| Massachusetts | $1,090 | -$272 | -20.0% |
| Michigan | $2,368 | $1,006 | 73.9% |
| Minnesota | $1,138 | -$224 | -16.4% |
| Mississippi | $1,630 | $268 | 19.7% |
| Missouri | $1,210 | -$152 | -11.2% |
| Montana | $1,464 | $102 | 7.5% |
| Nebraska | $1,076 | -$286 | -21.0% |
| Nevada | $1,632 | $270 | 19.8% |
| New Hampshire | $980 | -$382 | -28.0% |
| New Jersey | $1,524 | $162 | 11.9% |
| New Mexico | $1,206 | -$156 | -11.5% |
| New York | $1,434 | $72 | 5.3% |
| North Carolina | $784 | -$578 | -42.4% |
| North Dakota | $1,116 | -$246 | -18.1% |
| Ohio | $942 | -$420 | -30.8% |
| Oklahoma | $1,400 | $38 | 2.8% |
| Oregon | $1,246 | -$116 | -8.5% |
| Pennsylvania | $1,300 | -$62 | -4.6% |
| Rhode Island | $1,818 | $456 | 33.5% |
| South Carolina | $1,236 | -$126 | -9.3% |
| South Dakota | $1,148 | -$214 | -15.7% |
| Tennessee | $1,196 | -$166 | -12.2% |
| Texas | $1,642 | $280 | 20.6% |
| Utah | $1,008 | -$354 | -26.0% |
| Vermont | $932 | -$430 | -31.6% |
| Virginia | $816 | -$546 | -40.1% |
| Washington | $1,052 | -$310 | -22.8% |
| West Virginia | $1,250 | -$112 | -8.2% |
| Wisconsin | $942 | -$420 | -30.8% |
| Wyoming | $1,214 | -$148 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $540 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers can cost from 44% to 132% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Subaru Outback 2.5I | $1,276 | $106 |
| Subaru Outback 2.5I Premium | $1,320 | $110 |
| Subaru Outback 2.5I Limited | $1,362 | $114 |
| Subaru Outback 3.6R | $1,362 | $114 |
| Subaru Outback 3.6R Premium | $1,392 | $116 |
| Subaru Outback 3.6R Limited | $1,436 | $120 |
Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Outback | $348 | $500 | $372 | $1,378 |
| 2023 Subaru Outback | $332 | $482 | $390 | $1,362 |
| 2022 Subaru Outback | $320 | $478 | $398 | $1,354 |
| 2021 Subaru Outback | $308 | $466 | $416 | $1,348 |
| 2020 Subaru Outback | $298 | $446 | $430 | $1,332 |
| 2019 Subaru Outback | $282 | $430 | $442 | $1,312 |
| 2018 Subaru Outback | $270 | $400 | $452 | $1,280 |
| 2017 Subaru Outback | $260 | $376 | $456 | $1,250 |
| 2016 Subaru Outback | $248 | $338 | $460 | $1,204 |
| 2015 Subaru Outback | $232 | $310 | $460 | $1,160 |
| 2014 Subaru Outback | $224 | $292 | $464 | $1,138 |
| 2013 Subaru Outback | $220 | $272 | $474 | $1,124 |
| 2012 Subaru Outback | $202 | $252 | $474 | $1,086 |
| 2011 Subaru Outback | $198 | $228 | $478 | $1,062 |
| 2010 Subaru Outback | $184 | $210 | $474 | $1,026 |
| 2009 Subaru Outback | $174 | $190 | $474 | $996 |
| 2008 Subaru Outback | $168 | $170 | $468 | $964 |
| 2007 Subaru Outback | $166 | $166 | $460 | $950 |
| 2006 Subaru Outback | $162 | $160 | $452 | $932 |
| 2005 Subaru Outback | $148 | $152 | $446 | $904 |
Rates are averaged for all Subaru Outback models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheap Subaru Outback Insurance
Finding cheaper rates on insurance for a Subaru Outback not only requires having a good driving record, but also having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to compare rates at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The next list is a brief summary of the primary concepts that were presented in the illustrations above.
- You may be able to save approximately $160 per year just by quoting online in advance
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,550 more annually to buy Subaru Outback insurance
- Increasing comprehensive and collision deductibles can save around $550 each year
- Drivers age 20 and younger are expensive to insure, with premiums being up to $415 each month including comprehensive and collision insurance
Are Subarus cheap to insure? and How much does it cost to insure a Subaru Outback? Full coverage for a Subaru Outback costs $1,378 a year, or $114 a month.
Getting comparison quotes will help you determine prices, no matter the model year. So whether you are looking for 2011 Subaru Outback cost of new insurance, the 2014 Subaru Outback cost of insurance, the cost of Subaru Outback 2015 insurance, or 2019 Subaru Outback insurance costs, start by getting quotes.
Want to jump right into finding the cost of a Subaru Outback 2014 or 2012 Subaru Outback cost? Enter your ZIP code in our free tool below to find out rates for any model year.
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What are the safety ratings of the Subaru Outback?
How much does it cost to insure a Subaru Outback and what does a Subaru Outback cost? Both of these will depend partially on the safety features and ratings of a vehicle. The Subaru Outback has multiple safety features: driver airbags, brake assist, electronic stability control, lane departure warning, and more.
The Insurance Institute for Highway Safety (IIHS) also gave the Subaru Outback a 2020 Top Safety Pick award for its crash test ratings.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Watch the video below to see one of the crash tests.
Subaru Outback Compared Against Other Vehicles in the Same Class
The liability losses of a vehicle will affect how much a Subaru Outback costs to insure. The IIHS does not have liability loss data on the Subura Outback. Curious what is the average price of a Subaru Outback insurance plan in contrast to other midsize cars? Check out the other midsize cars below.
So how much should you pay for a Subaru Outback insurance plan? Whether you want to know how much does a 2015 Subaru Outback cost to insure or how much does a 2012 Subaru Outback cost to insure, getting quotes is the first step to getting fair rates. Enter your ZIP code in our free tool to get started.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,976 |
| 20 | $3,084 |
| 30 | $1,420 |
| 40 | $1,362 |
| 50 | $1,242 |
| 60 | $1,214 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,716 |
| $250 | $1,554 |
| $500 | $1,362 |
| $1,000 | $1,176 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,362 |
| 50/100 | $1,514 |
| 100/300 | $1,612 |
| 250/500 | $1,865 |
| 100 CSL | $1,553 |
| 300 CSL | $1,768 |
| 500 CSL | $1,924 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,088 |
| 20 | $4,896 |
| 30 | $2,972 |
| 40 | $2,908 |
| 50 | $2,770 |
| 60 | $2,744 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $72 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $60 |
| Advance Quote | $65 |
| Online Quote | $96 |
| Total Discounts | $563 |
Discounts are estimated and may not be available from every company or in every state.
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