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2006 Subaru Outback Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 12, 2020

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Average insurance rates for a 2006 Subaru Outback are $996 a year for full coverage insurance. Comprehensive costs on average $174, collision costs $190, and liability insurance costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,128. Teen drivers receive the highest rates at $3,994 a year or more.

Annual premium for full coverage: $996

Rate estimates for 2006 Subaru Outback Insurance

Comprehensive $174
Collision $190
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2006 Subaru Outback models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $522 for basic liability insurance to the much higher price of $2,128 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $996
High Risk $2,128

View Chart as Image

2006 Subaru Outback insurance rates compared
Column chart showing 2006 Subaru Outback insurance prices range from $611 to $3,994 for full coverage

These differences illustrate why everyone should compare rates based on a specific location and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2006 Subaru Outback Insurance

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Having to pay for overpriced car insurance can drain your checking account and force you to prioritize other expenses. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket. Multiple car insurance companies compete to insure your vehicles, so it’s not easy to compare every insurer and get the best coverage at the best rates possible.

How much can you save with these six discounts?

Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be manually applied prior to getting the savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you may earn approximately 10% to 15%.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • New Car Discount – Insuring a new car can be considerably cheaper compared to insuring an older model.

It’s important to understand that most discounts do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous. But any discount will bring down the cost of coverage.

To see a list of providers who offer insurance coverage discounts, click this link.

Finding Insurance Deals

Cutting your insurance rates is surprisingly easy. You just need to spend a few minutes to compare quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

The best way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This easy form saves time by eliminating multiple quote forms for each company. Just one form gets you price quotes direct from many companies.

A more difficult way to find lower rates is spending the time to visit the website of each company to request a price quote. For instance, we’ll assume you want to compare rates from Liberty Mutual, GEICO and Travelers. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

The least recommended method to get comparison rates is to drive around to and from local insurance agencies. The internet makes this process obsolete unless you have a need for the personal advice that only a license agent can provide. You can, however, find lower rates online but still have the advice of a local agent and we’ll talk about that later.

It’s up to you which method you use, but ensure you are comparing exactly the same coverage limits for every quote you compare. If you have unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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How much car insurance do I need?

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Every situation is different so your insurance should reflect that For instance, these questions may help you determine whether or not you could use an agent’s help.

  • Am I covered if I drive in a foreign country?
  • Will my rates increase for filing one claim?
  • Who is covered when they drive my 2006 Subaru Outback?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered when driving a rental car?
  • Why am I required to buy liability insurance?
  • Is business equipment covered while in my vehicle?
  • Is my 2006 Subaru Outback covered for smoke damage?
  • I don’t drive much so do I pay less?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Parts of your insurance policy

Understanding the coverages of insurance aids in choosing the best coverages for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Subaru Outback.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Auto collision coverage

Collision coverage will pay to fix damage to your Outback resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, rolling your car, crashing into a building, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, hitting a bird and hail damage. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as pain and suffering, bail bonds and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like nursing services, surgery and X-ray expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Don’t throw your cash in the trash

We just presented a lot of techniques to compare 2006 Subaru Outback insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a small mutual company. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where drivers have reduced physical damage coverage only to discover later that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

For more information, take a look at these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2006 Subaru Outback Insurance Rates by City
City Premium
New York City, NY $1,572
Los Angeles, CA $1,701
Philadelphia, PA $1,333
Jacksonville, FL $1,445
Phoenix, AZ $1,156
Chicago, IL $1,336
Houston, TX $1,557
Seattle, WA $970
Columbus, OH $832
Indianapolis, IN $845

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2006 Subaru Outback Insurance Rates by Driver Age
Driver Age Premium
16 $3,994
20 $2,254
30 $1,010
40 $996
50 $912
60 $892

Full coverage, $500 deductibles

Rates by Deductible

2006 Subaru Outback Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,152
$250 $1,080
$500 $996
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Subaru Outback Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $996
50/100 $1,091
100/300 $1,209
250/500 $1,517
100 CSL $1,138
300 CSL $1,399
500 CSL $1,589

Full coverage, driver age 40

Rates for High Risk Drivers

2006 Subaru Outback Insurance Rates for High Risk Drivers
Age Premium
16 $5,616
20 $3,592
30 $2,144
40 $2,128
50 $2,034
60 $2,012

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 $130

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $50
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $58
5-yr Claim Free $62
Paid in Full/EFT $35
Advance Quote $42
Online Quote $67
Total Discounts $385
Rate after discounts $611

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

Find companies with the cheapest rates in your area

2006 Subaru Outback Insurance Rates by State
State Premium
Alabama $900
Alaska $762
Arizona $826
Arkansas $996
California $1,134
Colorado $952
Connecticut $1,024
Delaware $1,128
Florida $1,246
Georgia $918
Hawaii $714
Idaho $672
Illinois $742
Indiana $748
Iowa $670
Kansas $946
Kentucky $1,358
Louisiana $1,472
Maine $614
Maryland $818
Massachusetts $796
Michigan $1,728
Minnesota $832
Mississippi $1,192
Missouri $882
Montana $1,068
Nebraska $784
Nevada $1,194
New Hampshire $716
New Jersey $1,112
New Mexico $882
New York $1,048
North Carolina $574
North Dakota $816
Ohio $688
Oklahoma $1,024
Oregon $910
Pennsylvania $952
Rhode Island $1,326
South Carolina $900
South Dakota $840
Tennessee $872
Texas $1,198
Utah $736
Vermont $682
Virginia $596
Washington $770
West Virginia $910
Wisconsin $690
Wyoming $888

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