Subaru Outback Insurance Rates
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Michelle Robbins
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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...
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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 rates for a Subaru Outback are $1,354 a year including full coverage. Comprehensive costs on average $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 around $2,898. Teen drivers pay the highest rates at $4,982 a year or more.
Average premium for full coverage: $1,354
Price estimates by individual coverage:
Prices include $500 deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Outback models.
Price Range from Low to High
For a driver in their 40's, Subaru Outback insurance prices go from as low as $460 for liability-only coverage to the much higher price of $2,898 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than larger metro areas.
The example below illustrates how location helps determine car insurance rates.
The ranges above highlight why everyone should compare rates quotes based on a specific location 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 Charts and Tables
The chart below breaks down estimated Subaru Outback insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $790
- Raising to $1,000 deductibles will save around $184 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,354
- Choosing pricier low deductibles will increase the cost to $1,700
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,898 or more
- The price for full coverage for a teenage driver for full coverage may cost $4,982
Insurance prices for a Subaru Outback are also quite variable based on your driving record, the model of your Outback, and policy deductibles and limits.
A more mature driver with a clean driving record and high deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $4,900 a year. View Rates by Age
The state you live in also has a big influence on Subaru Outback insurance rates. A middle-age driver might find prices as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,930 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing high deductibles can reduce prices by up to $530 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,200 extra each 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
Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, so the prices may be quite 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 the Right Subaru Outback Insurance
Getting lower rates on auto insurance consists of not taking risks behind the wheel, maintaining good credit, being claim-free, and bundling your home and auto policies. Invest time comparing rates at least once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following is a quick rundown of the primary concepts that were covered in the charts and tables above.
- You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
- Drivers with reckless driving or DUI convictions may pay on average $1,540 more each year for Outback insurance
- Increasing physical damage deductibles can save around $525 each year
- Teens pay the highest prices, possibly costing $415 a 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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