Subaru Outback Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 20, 2024

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Subaru Outback insurance

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.

Average insurance rates for a Subaru Outback are $1,354 a year including full coverage. Comprehensive insurance costs an estimated $320, collision costs $478, and liability coverage is $398. A policy with just liability insurance costs around $460 a year, with coverage for high-risk drivers costing $2,898 or more. Teen drivers receive the highest rates at $4,982 a year or more.

Average premium for full coverage: $1,354

Rate estimates broken down by individual coverage type:

Comprehensive $320
Collision $478
Liability $398

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Outback models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as low as $460 for just the minimum liability insurance to the much higher price of $2,898 for a high-risk insurance policy.

Liability Only $460
Full Coverage $1,354
High Risk $2,898

Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $1,016
Small Cities $1,422
Large Cities $1,828

These examples highlight why everyone should compare rates quotes for a targeted area and risk profile, rather than using price 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.

Additional Rate Analysis

The chart below breaks down estimated Subaru Outback insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $790
  • Raising to $1,000 deductibles will save approximately $184 every year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,354
  • Choosing pricier low deductibles will cost an extra $346 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,898 or more
  • The cost for full coverage for a teenage driver for full coverage can cost as much as $4,982

View Chart as Image

Subaru Outback insurance cost comparison chart
Column chart showing full coverage Subaru Outback insurance prices range from $790 to $4,982

Insurance rates for a Subaru Outback can also vary considerably based on your driver profile, the model of your Outback, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

Where you live also has a big influence on Subaru Outback insurance rates. A middle-age driver might find rates as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,930 on average in Louisiana, New York, and Michigan.

Subaru Outback Insurance Rates by State
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%

View Chart as Image

Subaru Outback insurance rates by U.S. city

Choosing high deductibles can reduce rates by up to $530 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,600 to $2,200 additional per year, depending on your age. Subaru Outback insurance for high-risk drivers is expensive and can cost around 44% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Subaru Outback Insurance Rates by Model and Trim Level
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.

Subaru Outback Insurance Rates by Model Year
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 Affordable Subaru Outback Insurance

Saving money on auto insurance consists of having a good driving record, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least every other year by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The next list is a brief review of the car insurance concepts covered above.

  • Drivers with DUI or reckless driving convictions may pay on average $1,540 more annually to buy Subaru Outback insurance
  • You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles can save around $525 each year
  • Consumers who want increased levels of liability coverage will pay about $440 per year to raise from a minimum limit to 250/500 limits

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

  1. https://www.iihs.org/ratings/vehicle/subaru/outback-4-door-wagon/2020

Rates by Driver Age

Subaru Outback Insurance 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

Subaru Outback Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,700
$250 $1,540
$500 $1,354
$1,000 $1,170

Full coverage, driver age 40

Rates by Liability Limit

Subaru Outback Insurance Rates with Different Liability Limits
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

Subaru Outback Insurance 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.

SR-22 Surcharge $182

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
Rate after discounts $790

Discounts are estimated and may not be available from every company or in every state.

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