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.
Estimated insurance rates for a Subaru Outback are $1,354 a year for full coverage. Comprehensive costs an estimated $320, collision costs $478, and liability costs around $398. Liability-only coverage costs as low as $460 a year, with high-risk coverage costing around $2,898. 16-year-old drivers pay the most at $4,982 a year or more.
Average premium for full coverage: $1,354
Premium estimates broken down by type of coverage:
These estimates include $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different Outback trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Subaru Outback go from as low as $460 for just liability coverage to a much higher rate of $2,898 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than congested cities.
The price range example below illustrates how where you live affects insurance prices.
These rate differences show why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on rate averages.
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.
Detailed Rate Analysis
The chart below shows estimated Subaru Outback insurance rates for other coverage scenarios.
- The best full coverage rate is $790
- Using higher $1,000 deductibles will save approximately $184 a year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,354
- Buying more expensive low deductibles for physical damage coverage will increase the cost to $1,700
- High-risk insureds with multiple tickets or accidents could pay up to $2,898 or more
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost as much as $4,982 or more
Insurance prices for a Subaru Outback also have a wide range based on your driving characteristics, the trim level of your Outback, and liability limits and deductibles.
An older driver with a clean driving record and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $4,900 a year. View Rates by Age
Where you choose to live has a huge impact on Subaru Outback insurance prices. A driver around age 40 might see prices as low as $890 a year in states like Iowa, Maine, and Idaho, or at least $1,930 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,224 | -$130 | -9.6% |
| Alaska | $1,038 | -$316 | -23.3% |
| Arizona | $1,122 | -$232 | -17.1% |
| Arkansas | $1,354 | -$0 | 0.0% |
| California | $1,542 | $188 | 13.9% |
| Colorado | $1,292 | -$62 | -4.6% |
| Connecticut | $1,392 | $38 | 2.8% |
| Delaware | $1,532 | $178 | 13.1% |
| Florida | $1,692 | $338 | 25.0% |
| Georgia | $1,248 | -$106 | -7.8% |
| Hawaii | $972 | -$382 | -28.2% |
| Idaho | $916 | -$438 | -32.3% |
| Illinois | $1,010 | -$344 | -25.4% |
| Indiana | $1,018 | -$336 | -24.8% |
| Iowa | $914 | -$440 | -32.5% |
| Kansas | $1,288 | -$66 | -4.9% |
| Kentucky | $1,848 | $494 | 36.5% |
| Louisiana | $2,002 | $648 | 47.9% |
| Maine | $834 | -$520 | -38.4% |
| Maryland | $1,116 | -$238 | -17.6% |
| Massachusetts | $1,084 | -$270 | -19.9% |
| Michigan | $2,350 | $996 | 73.6% |
| Minnesota | $1,134 | -$220 | -16.2% |
| Mississippi | $1,622 | $268 | 19.8% |
| Missouri | $1,202 | -$152 | -11.2% |
| Montana | $1,454 | $100 | 7.4% |
| Nebraska | $1,068 | -$286 | -21.1% |
| Nevada | $1,622 | $268 | 19.8% |
| New Hampshire | $976 | -$378 | -27.9% |
| New Jersey | $1,514 | $160 | 11.8% |
| New Mexico | $1,198 | -$156 | -11.5% |
| New York | $1,426 | $72 | 5.3% |
| North Carolina | $780 | -$574 | -42.4% |
| North Dakota | $1,108 | -$246 | -18.2% |
| Ohio | $936 | -$418 | -30.9% |
| Oklahoma | $1,392 | $38 | 2.8% |
| Oregon | $1,240 | -$114 | -8.4% |
| Pennsylvania | $1,292 | -$62 | -4.6% |
| Rhode Island | $1,806 | $452 | 33.4% |
| South Carolina | $1,228 | -$126 | -9.3% |
| South Dakota | $1,142 | -$212 | -15.7% |
| Tennessee | $1,186 | -$168 | -12.4% |
| Texas | $1,630 | $276 | 20.4% |
| Utah | $1,002 | -$352 | -26.0% |
| Vermont | $926 | -$428 | -31.6% |
| Virginia | $810 | -$544 | -40.2% |
| Washington | $1,046 | -$308 | -22.7% |
| West Virginia | $1,240 | -$114 | -8.4% |
| Wisconsin | $936 | -$418 | -30.9% |
| Wyoming | $1,204 | -$150 | -11.1% |
Opting for high physical damage deductibles could cut prices by as much as $530 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $358 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can be from 44% to 132% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, so the prices will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Subaru Outback 2.5I | $1,268 | $106 |
| Subaru Outback 2.5I Premium | $1,310 | $109 |
| Subaru Outback 2.5I Limited | $1,354 | $113 |
| Subaru Outback 3.6R | $1,354 | $113 |
| Subaru Outback 3.6R Premium | $1,382 | $115 |
| Subaru Outback 3.6R Limited | $1,424 | $119 |
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 | $332 | $482 | $390 | $1,362 |
| 2023 Subaru Outback | $320 | $478 | $398 | $1,354 |
| 2022 Subaru Outback | $308 | $466 | $416 | $1,348 |
| 2021 Subaru Outback | $298 | $446 | $430 | $1,332 |
| 2020 Subaru Outback | $282 | $430 | $442 | $1,312 |
| 2019 Subaru Outback | $270 | $400 | $452 | $1,280 |
| 2018 Subaru Outback | $260 | $376 | $456 | $1,250 |
| 2017 Subaru Outback | $248 | $338 | $460 | $1,204 |
| 2016 Subaru Outback | $232 | $310 | $460 | $1,160 |
| 2015 Subaru Outback | $224 | $292 | $464 | $1,138 |
| 2014 Subaru Outback | $220 | $272 | $474 | $1,124 |
| 2013 Subaru Outback | $202 | $252 | $474 | $1,086 |
| 2012 Subaru Outback | $198 | $228 | $478 | $1,062 |
| 2011 Subaru Outback | $184 | $210 | $474 | $1,026 |
| 2010 Subaru Outback | $174 | $190 | $474 | $996 |
| 2009 Subaru Outback | $168 | $170 | $468 | $964 |
| 2008 Subaru Outback | $166 | $166 | $460 | $950 |
| 2007 Subaru Outback | $162 | $160 | $452 | $932 |
| 2006 Subaru Outback | $148 | $152 | $446 | $904 |
| 2005 Subaru Outback | $144 | $144 | $442 | $888 |
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 better rates on insurance for a Subaru Outback requires having a good driving record, maintaining good credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The next list is a brief summary of the data touched on in the above illustrations.
- Insureds who want increased levels of liability coverage will pay around $440 each year to increase from 30/60 bodily injury limits to 250/500 limits
- Drivers can save approximately $160 per year simply by shopping early and online
- Increasing policy deductibles can save around $525 each year
- Drivers age 20 and younger are charged the highest prices, as much as $415 per month for full coverage
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 | $4,982 |
| 20 | $3,076 |
| 30 | $1,410 |
| 40 | $1,354 |
| 50 | $1,234 |
| 60 | $1,208 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,700 |
| $250 | $1,540 |
| $500 | $1,354 |
| $1,000 | $1,170 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,354 |
| 50/100 | $1,504 |
| 100/300 | $1,603 |
| 250/500 | $1,862 |
| 100 CSL | $1,543 |
| 300 CSL | $1,762 |
| 500 CSL | $1,922 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,094 |
| 20 | $4,884 |
| 30 | $2,960 |
| 40 | $2,898 |
| 50 | $2,762 |
| 60 | $2,736 |
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 | $69 |
| 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 | $564 |
Discounts are estimated and may not be available from every company or in every state.
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