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: Jun 6, 2023

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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.

The average insurance rates for a Subaru Outback are $1,280 a year with full coverage. Comprehensive insurance costs around $270, collision costs $400, and liability coverage is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing $2,750 or more. Teenage drivers cost the most to insure at $4,854 a year or more.

Average premium for full coverage: $1,280

Policy rates for type of insurance:

Comprehensive $270
Collision $400
Liability $452

Full coverage includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Outback models.

Price Range Variability

For the average 40-year-old driver, Subaru Outback insurance rates go from the low end price of $504 for minimum levels of liability insurance to the much higher price of $2,750 for a driver who has had serious violations or accidents.

Liability Only $504
Full Coverage $1,280
High Risk $2,750

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance rates.

Rural Areas $960
Small Cities $1,344
Large Cities $1,728

The examples above demonstrate why everyone should compare rates quotes for a specific zip code, rather than using average rates.

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 Details

The chart below details estimated Subaru Outback insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $753
  • Raising to $1,000 deductibles will save about $152 annually
  • The estimated price for a good driver age 40 using $500 deductibles is $1,280
  • Using pricier low deductibles will cost an additional $292 each year
  • Unlucky drivers who are prone to accidents and violations could pay at least $2,750 or more
  • Policy cost that insures a teenage driver for full coverage can be $4,854

View Chart as Image

Subaru Outback insurance cost comparison chart
Column chart showing full coverage Subaru Outback insurance prices range from $753 to $4,854

Insurance rates for a Subaru Outback also range considerably based on the model of your Outback, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,500 to $2,100 additional every year, depending on your age. Subaru Outback insurance for high-risk drivers is expensive and can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,800 a year. View Rates by Age

Your home state also has a big influence on Subaru Outback insurance rates. A middle-age driver might find rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,730 on average in Florida, Michigan, and New York.

Subaru Outback Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,158 -$122 -9.5%
Alaska $982 -$298 -23.3%
Arizona $1,062 -$218 -17.0%
Arkansas $1,280 -$0 0.0%
California $1,458 $178 13.9%
Colorado $1,222 -$58 -4.5%
Connecticut $1,316 $36 2.8%
Delaware $1,448 $168 13.1%
Florida $1,602 $322 25.2%
Georgia $1,182 -$98 -7.7%
Hawaii $918 -$362 -28.3%
Idaho $866 -$414 -32.3%
Illinois $954 -$326 -25.5%
Indiana $964 -$316 -24.7%
Iowa $862 -$418 -32.7%
Kansas $1,216 -$64 -5.0%
Kentucky $1,748 $468 36.6%
Louisiana $1,894 $614 48.0%
Maine $788 -$492 -38.4%
Maryland $1,056 -$224 -17.5%
Massachusetts $1,024 -$256 -20.0%
Michigan $2,224 $944 73.8%
Minnesota $1,070 -$210 -16.4%
Mississippi $1,532 $252 19.7%
Missouri $1,134 -$146 -11.4%
Montana $1,374 $94 7.3%
Nebraska $1,010 -$270 -21.1%
Nevada $1,536 $256 20.0%
New Hampshire $922 -$358 -28.0%
New Jersey $1,430 $150 11.7%
New Mexico $1,134 -$146 -11.4%
New York $1,346 $66 5.2%
North Carolina $738 -$542 -42.3%
North Dakota $1,050 -$230 -18.0%
Ohio $884 -$396 -30.9%
Oklahoma $1,314 $34 2.7%
Oregon $1,172 -$108 -8.4%
Pennsylvania $1,222 -$58 -4.5%
Rhode Island $1,706 $426 33.3%
South Carolina $1,160 -$120 -9.4%
South Dakota $1,080 -$200 -15.6%
Tennessee $1,120 -$160 -12.5%
Texas $1,544 $264 20.6%
Utah $948 -$332 -25.9%
Vermont $876 -$404 -31.6%
Virginia $766 -$514 -40.2%
Washington $988 -$292 -22.8%
West Virginia $1,172 -$108 -8.4%
Wisconsin $886 -$394 -30.8%
Wyoming $1,140 -$140 -10.9%

View Chart as Image

Subaru Outback insurance rates by U.S. city

Using high physical damage deductibles can reduce rates by up to $450 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, and rates will be varied.

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 $1,210 $101
Subaru Outback 2.5I Premium $1,244 $104
Subaru Outback 2.5I Limited $1,280 $107
Subaru Outback 3.6R $1,280 $107
Subaru Outback 3.6R Premium $1,304 $109
Subaru Outback 3.6R Limited $1,342 $112

Rates assume 2018 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
2018 Subaru Outback $270 $400 $452 $1,280
2017 Subaru Outback $260 $376 $456 $1,250
2016 Subaru Outback $248 $338 $460 $1,204
2015 Subaru Outback $232 $310 $460 $1,160
2014 Subaru Outback $224 $292 $464 $1,138
2013 Subaru Outback $220 $272 $474 $1,124
2012 Subaru Outback $202 $252 $474 $1,086
2011 Subaru Outback $198 $228 $478 $1,062
2010 Subaru Outback $184 $210 $474 $1,026
2009 Subaru Outback $174 $190 $474 $996
2008 Subaru Outback $168 $170 $468 $964
2007 Subaru Outback $166 $166 $460 $950
2006 Subaru Outback $162 $160 $452 $932
2005 Subaru Outback $148 $152 $446 $904
2004 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 More Affordable Subaru Outback Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, having a good credit score, not filing small claims, and taking advantage of discounts. Compare prices every other policy renewal by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a summary of the ideas that were touched on in this article.

  • Drivers age 20 and younger are charged the highest rates, as much as $405 each month if comprehensive and collision insurance is included
  • Drivers who have multiple accidents or major violations may pay on average $1,470 more every year to buy Subaru Outback insurance
  • Increasing comprehensive and collision deductibles can save approximately $450 each year
  • You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date

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 $4,854
20 $2,918
30 $1,324
40 $1,280
50 $1,170
60 $1,146

Full coverage, $500 deductibles

Rates by Deductible

Subaru Outback Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,572
$250 $1,438
$500 $1,280
$1,000 $1,128

Full coverage, driver age 40

Rates by Liability Limit

Subaru Outback Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,280
50/100 $1,432
100/300 $1,545
250/500 $1,839
100 CSL $1,478
300 CSL $1,726
500 CSL $1,907

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Outback Insurance Rates for High Risk Drivers
Age Premium
16 $6,894
20 $4,644
30 $2,798
40 $2,750
50 $2,626
60 $2,600

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 $173

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $87
5-yr Claim Free $82
Paid in Full/EFT $54
Advance Quote $60
Online Quote $90
Total Discounts $527
Rate after discounts $753

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

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