Subaru Outback Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 20, 2024
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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.
U.S. average insurance prices for a Subaru Outback are $1,348 every 12 months for full coverage. Comprehensive insurance costs approximately $308 a year, collision costs $466, and liability is $416. Liability-only insurance costs around $474 a year, with high-risk driver insurance costing $2,892 or more. Teen drivers pay the highest rates at $5,002 a year or more.
Average premium for full coverage: $1,348
Price estimates by individual coverage:
Prices include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Outback trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Subaru Outback insurance prices go from the cheapest price of $474 for liability-only coverage to a high of $2,892 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural locations have more infrequent accident claims than larger metro areas.
The diagram below illustrates how rural and urban location affects auto insurance prices.
The ranges above show why it is important to compare rates quotes using their specific location and their own driving history, instead of 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 Charts and Tables
The chart below shows estimated Subaru Outback insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $789
- Raising to $1,000 deductibles will save $1,172 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,348
- Choosing low $100 deductibles costs an extra $338 every year
- At-risk drivers with multiple violations and an at-fault accident could pay around $2,892 or more
- The price to insure a teen driver can cost $5,002
Car insurance prices for a Subaru Outback are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Outback.
Choosing high deductibles can reduce prices by up to $520 every year, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $5,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 133% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Subaru Outback insurance prices. A middle-age driver might find prices as low as $890 a year in states like Iowa, Maine, and Idaho, or as much as $1,920 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,218 | -$130 | -9.6% |
| Alaska | $1,034 | -$314 | -23.3% |
| Arizona | $1,120 | -$228 | -16.9% |
| Arkansas | $1,348 | -$0 | 0.0% |
| California | $1,536 | $188 | 13.9% |
| Colorado | $1,288 | -$60 | -4.5% |
| Connecticut | $1,386 | $38 | 2.8% |
| Delaware | $1,524 | $176 | 13.1% |
| Florida | $1,688 | $340 | 25.2% |
| Georgia | $1,244 | -$104 | -7.7% |
| Hawaii | $968 | -$380 | -28.2% |
| Idaho | $912 | -$436 | -32.3% |
| Illinois | $1,006 | -$342 | -25.4% |
| Indiana | $1,016 | -$332 | -24.6% |
| Iowa | $910 | -$438 | -32.5% |
| Kansas | $1,282 | -$66 | -4.9% |
| Kentucky | $1,840 | $492 | 36.5% |
| Louisiana | $1,996 | $648 | 48.1% |
| Maine | $832 | -$516 | -38.3% |
| Maryland | $1,112 | -$236 | -17.5% |
| Massachusetts | $1,078 | -$270 | -20.0% |
| Michigan | $2,342 | $994 | 73.7% |
| Minnesota | $1,128 | -$220 | -16.3% |
| Mississippi | $1,616 | $268 | 19.9% |
| Missouri | $1,198 | -$150 | -11.1% |
| Montana | $1,450 | $102 | 7.6% |
| Nebraska | $1,062 | -$286 | -21.2% |
| Nevada | $1,616 | $268 | 19.9% |
| New Hampshire | $972 | -$376 | -27.9% |
| New Jersey | $1,506 | $158 | 11.7% |
| New Mexico | $1,194 | -$154 | -11.4% |
| New York | $1,420 | $72 | 5.3% |
| North Carolina | $778 | -$570 | -42.3% |
| North Dakota | $1,104 | -$244 | -18.1% |
| Ohio | $932 | -$416 | -30.9% |
| Oklahoma | $1,384 | $36 | 2.7% |
| Oregon | $1,234 | -$114 | -8.5% |
| Pennsylvania | $1,286 | -$62 | -4.6% |
| Rhode Island | $1,798 | $450 | 33.4% |
| South Carolina | $1,222 | -$126 | -9.3% |
| South Dakota | $1,138 | -$210 | -15.6% |
| Tennessee | $1,182 | -$166 | -12.3% |
| Texas | $1,626 | $278 | 20.6% |
| Utah | $998 | -$350 | -26.0% |
| Vermont | $922 | -$426 | -31.6% |
| Virginia | $808 | -$540 | -40.1% |
| Washington | $1,044 | -$304 | -22.6% |
| West Virginia | $1,234 | -$114 | -8.5% |
| Wisconsin | $934 | -$414 | -30.7% |
| Wyoming | $1,200 | -$148 | -11.0% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Every auto insurance company uses a different rate calculation, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Subaru Outback 2.5I | $1,266 | $106 |
| Subaru Outback 2.5I Premium | $1,306 | $109 |
| Subaru Outback 2.5I Limited | $1,348 | $112 |
| Subaru Outback 3.6R | $1,348 | $112 |
| Subaru Outback 3.6R Premium | $1,376 | $115 |
| Subaru Outback 3.6R Limited | $1,418 | $118 |
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 | $320 | $478 | $398 | $1,354 |
| 2023 Subaru Outback | $308 | $466 | $416 | $1,348 |
| 2022 Subaru Outback | $298 | $446 | $430 | $1,332 |
| 2021 Subaru Outback | $282 | $430 | $442 | $1,312 |
| 2020 Subaru Outback | $270 | $400 | $452 | $1,280 |
| 2019 Subaru Outback | $260 | $376 | $456 | $1,250 |
| 2018 Subaru Outback | $248 | $338 | $460 | $1,204 |
| 2017 Subaru Outback | $232 | $310 | $460 | $1,160 |
| 2016 Subaru Outback | $224 | $292 | $464 | $1,138 |
| 2015 Subaru Outback | $220 | $272 | $474 | $1,124 |
| 2014 Subaru Outback | $202 | $252 | $474 | $1,086 |
| 2013 Subaru Outback | $198 | $228 | $478 | $1,062 |
| 2012 Subaru Outback | $184 | $210 | $474 | $1,026 |
| 2011 Subaru Outback | $174 | $190 | $474 | $996 |
| 2010 Subaru Outback | $168 | $170 | $468 | $964 |
| 2009 Subaru Outback | $166 | $166 | $460 | $950 |
| 2008 Subaru Outback | $162 | $160 | $452 | $932 |
| 2007 Subaru Outback | $148 | $152 | $446 | $904 |
| 2006 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 Shop for the Right Subaru Outback Insurance
Getting lower rates on car insurance consists of being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Set aside time to shop around every time your policy renews by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a quick rundown of the information raised in the charts and tables above.
- Drivers can save around $160 per year simply by quoting early and online
- Drivers age 16 to 20 pay the highest auto insurance prices, with premiums as much as $417 a month if the policy includes full coverage
- Increasing physical damage deductibles could save as much as $525 each year
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,540 more per year than a safer driver
- Policyholders who purchase an increased level of liability coverage will pay about $460 each year to raise from a low limit to a 250/500 level
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 | $5,002 |
| 20 | $3,068 |
| 30 | $1,402 |
| 40 | $1,348 |
| 50 | $1,230 |
| 60 | $1,204 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,686 |
| $250 | $1,532 |
| $500 | $1,348 |
| $1,000 | $1,172 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,348 |
| 50/100 | $1,501 |
| 100/300 | $1,605 |
| 250/500 | $1,876 |
| 100 CSL | $1,543 |
| 300 CSL | $1,772 |
| 500 CSL | $1,938 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,122 |
| 20 | $4,880 |
| 30 | $2,954 |
| 40 | $2,892 |
| 50 | $2,758 |
| 60 | $2,730 |
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 | $71 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $95 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $59 |
| Advance Quote | $64 |
| Online Quote | $95 |
| Total Discounts | $559 |
Discounts are estimated and may not be available from every company or in every state.
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