1. Vehicles
  2. Subaru
  3. Outback
  4. 2016 Model Year

2016 Subaru Outback Insurance Rates

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

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 ...

Full Bio →

Written by

UPDATED: Dec 20, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2016 Subaru Outback are $1,312 a year for full coverage. Comprehensive insurance costs approximately $282, collision insurance costs $430, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs $2,824 or more. Teen drivers receive the highest rates at up to $4,950 a year.

Annual premium for full coverage: $1,312

Rate estimates for 2016 Subaru Outback Insurance

Comprehensive $282
Collision $430
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2016 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 middle-aged driver, prices range range from as low as $496 for just liability coverage to the much higher price of $2,824 for a high risk driver.

Liability Only $496
Full Coverage $1,312
High Risk $2,824

View Chart as Image

2016 Subaru Outback insurance rates compared
Column chart showing 2016 Subaru Outback insurance prices range from $770 to $4,950 for full coverage

These differences show why everyone should compare rates using their specific location and risk profile, instead of making a decision based 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 2016 Subaru Outback Insurance

Searching Companies

Subaru Outback insurance

Expensive insurance can bleed your personal savings and make it impossible to make ends meet.

Consumers have many car insurance companies to buy insurance from, and though it is a good thing to be able to choose, having more insurers makes it harder to find a good deal.

Take advantage of these money-saving discounts

Properly insuring your vehicles can get expensive, but there could be significant discounts that many people don’t even know exist. Some trigger automatically when you purchase, but some need to be inquired about before you will receive the discount.

  • Multiple Cars – Buying a policy with primary and secondary vehicles on one policy could earn a price break for each car.
  • Mature Driver Discount – Drivers over the age of 55 may receive better insurance rates for Outback coverage.
  • Driver Training Discounts – Taking time to complete a course that instructs on driving safety could save 5% or more depending on where you live.
  • No Accidents – Drivers who don’t have accidents get the best insurance rates in comparison to drivers who are more careless.
  • Homeowners Pay Less – Owning your own home or condo can get you a discount due to the fact that maintaining a home demonstrates responsibility.
  • Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.

While discounts sound great, it’s important to understand that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

A list of companies and some of the premium reductions they offer are:

  • Farm Bureau has savings for multi-vehicle, good student, multi-policy, safe driver, and 55 and retired.
  • MetLife may have discounts that include good driver, good student, accident-free, defensive driver, multi-policy, and claim-free.
  • Progressive may include discounts for online signing, multi-vehicle, good student, continuous coverage, online quote discount, and multi-policy.
  • AAA policyholders can earn discounts including anti-theft, education and occupation, multi-car, good driver, multi-policy, and AAA membership discount.
  • American Family offers premium reductions for TimeAway discount, bundled insurance, mySafetyValet, multi-vehicle, good driver, and Steer into Savings.
  • GEICO offers discounts including multi-vehicle, multi-policy, five-year accident-free, air bags, defensive driver, anti-lock brakes, and seat belt use.
  • State Farm may offer discounts for driver’s education, multiple policy, anti-theft, defensive driving training, multiple autos, accident-free, and Drive Safe & Save.

It’s a good idea to ask each company the best way to save money. Some of the discounts discussed earlier might not be offered in every state. To choose insurance companies with significant discounts, click here to view.

Do I need special coverages?

When choosing the right insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that might help in determining if your situation might need an agent’s assistance.

  • Am I covered if I hit a deer?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How many claims can I have before being canceled?
  • Am I covered if I crash into my own garage door?
  • When do I need to add a new car to my policy?
  • When should I drop full coverage on my 2016 Subaru Outback?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Tricks in insurance coverage advertising

Big name companies like State Farm and Allstate regularly use ads on TV and radio. They all seem to make an identical promise of big savings after switching your policy. Is it even possible that every company can make the same claim? Here is how they do it.

Different companies quote their best rates for the type of customer that earns them a profit. For instance, a desirable insured may be between 30 and 50, has a clean driving record, and chooses high deductibles. A driver who meets those qualifications gets the lowest car insurance rates and most likely will save when they switch companies.

Potential insureds who cannot meet this stringent profile will be quoted higher prices with the end result being the customer buying from someone else. The ads say “customers that switch” not “all people who quote” save that much money. That’s the way insurance companies can advertise the way they do. Different companies use different criteria so you should do a price quote comparison at every renewal. Because you cannot predict which company will give you the biggest savings.

Car insurance coverages 101

Understanding the coverages of your car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Subaru Outback.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, hitting a bird, fire damage and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to other’s property or people. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like bail bonds, loss of income and emergency aid. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses for X-ray expenses, funeral costs and nursing services. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

This will pay to fix damage to your Outback resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Saving money makes a lot of cents

Some companies do not provide online quoting and these regional carriers sell through independent agents. Cheaper auto insurance can be bought from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money.

You just read a lot of information how to compare 2016 Subaru Outback insurance premium rates online. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from the least-expected company. These companies may have significantly lower prices on certain market segments as compared to the big name companies such as Progressive or GEICO.

Use our FREE quote tool to compare rates now!

Additional information can be read on the following sites:

Rates by U.S. City

2016 Subaru Outback Insurance Rates by City
City Premium
New York City, NY $2,076
Los Angeles, CA $2,241
Philadelphia, PA $1,753
Jacksonville, FL $1,905
Phoenix, AZ $1,529
Chicago, IL $1,760
Houston, TX $2,054
Seattle, WA $1,280
Columbus, OH $1,099
Indianapolis, IN $1,116

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2016 Subaru Outback Insurance Rates by Driver Age
Driver Age Premium
16 $4,950
20 $2,998
30 $1,362
40 $1,312
50 $1,200
60 $1,174

Full coverage, $500 deductibles

Rates by Deductible

2016 Subaru Outback Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,624
$250 $1,480
$500 $1,312
$1,000 $1,150

Full coverage, driver age 40

Rates by Liability Limit

Subaru Outback Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,312
50/100 $1,400
100/300 $1,511
250/500 $1,798
100 CSL $1,445
300 CSL $1,688
500 CSL $1,865

Full coverage, driver age 40

Rates for High Risk Drivers

2016 Subaru Outback Insurance Rates for High Risk Drivers
Age Premium
16 $7,038
20 $4,770
30 $2,876
40 $2,824
50 $2,696
60 $2,670

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 $178

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $91
5-yr Claim Free $84
Paid in Full/EFT $56
Advance Quote $62
Online Quote $92
Total Discounts $542
Rate after discounts $770

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

Find companies with the cheapest rates in your area

2016 Subaru Outback Insurance Rates by State
State Premium
Alabama $1,188
Alaska $1,008
Arizona $1,092
Arkansas $1,312
California $1,494
Colorado $1,254
Connecticut $1,350
Delaware $1,486
Florida $1,642
Georgia $1,212
Hawaii $944
Idaho $888
Illinois $978
Indiana $988
Iowa $884
Kansas $1,248
Kentucky $1,792
Louisiana $1,944
Maine $810
Maryland $1,084
Massachusetts $1,050
Michigan $2,280
Minnesota $1,098
Mississippi $1,572
Missouri $1,164
Montana $1,410
Nebraska $1,036
Nevada $1,574
New Hampshire $944
New Jersey $1,468
New Mexico $1,164
New York $1,384
North Carolina $756
North Dakota $1,074
Ohio $908
Oklahoma $1,348
Oregon $1,202
Pennsylvania $1,252
Rhode Island $1,752
South Carolina $1,188
South Dakota $1,110
Tennessee $1,150
Texas $1,580
Utah $972
Vermont $898
Virginia $786
Washington $1,016
West Virginia $1,202
Wisconsin $908
Wyoming $1,170

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles