Subaru Outback Insurance Rates
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UPDATED: Jun 5, 2023
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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 prices for a Subaru Outback are $1,362 every 12 months including full coverage. Comprehensive insurance costs on average $332 a year, collision costs $482, and liability coverage costs around $390. Liability-only insurance costs as low as $452 a year, with high-risk driver insurance costing $2,908 or more. Teenage drivers cost the most to insure at $4,976 a year or more.
Average premium for full coverage: $1,362
Policy rates by type of insurance:
These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Outback trim levels.
Price Range Variability
For the normal driver, Subaru Outback insurance rates go from the cheapest price of $452 for your basic liability-only policy to a high of $2,908 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities.
The diagram below illustrates how geographic area affects car insurance rates.
The examples above highlight why it is important to compare prices based on a specific location and their own driving history, rather than using average rates.
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.
More Rate Information
The chart below breaks down estimated Subaru Outback insurance rates for different risk profiles and scenarios.
- The best discount rate is $799
- Using higher $1,000 deductibles will save around $1,176 every year
- The average price for a good driver age 40 with $500 deductibles is $1,362
- Using low $100 deductibles for physical damage coverage costs an extra $354 each year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,908 or more
- Policy cost to insure a teenage driver may cost $4,976 or more
Auto insurance rates for a Subaru Outback also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Outback.
Using high physical damage deductibles could cut rates by as much as $540 a year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $4,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 44% to 132% more than a normal policy. View High Risk Driver Rates
Your home state has a huge impact on Subaru Outback insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,940 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.
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 Shop for Cheap Subaru Outback Insurance
Finding cheaper rates on auto insurance requires having a good driving record, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates at every other renewal by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.
The next list is a brief summary of the concepts that were presented in the illustrations above.
- Drivers that tend to have accidents or serious violations may pay on average $1,550 more each year to buy Subaru Outback insurance
- Drivers age 20 and younger are charged the highest rates, with premiums being up to $415 each month if comprehensive and collision insurance is included
- You may be able to save as much as $160 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $550 each year
- You may be able to save as much as $160 per year simply by quoting early and online
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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