2020 Subaru Outback Insurance Rates
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UPDATED: Apr 9, 2020
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Average insurance rates for a 2020 Subaru Outback are $1,362 a year with full coverage. Comprehensive insurance costs approximately $332, collision insurance costs $482, and liability costs $390. Buying a liability-only policy costs as little as $452 a year, and high-risk insurance costs $2,908 or more. Teen drivers receive the highest rates at up to $4,976 a year.
Annual premium for full coverage: $1,362
Rate estimates for 2020 Subaru Outback Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2020 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 40-year-old driver, prices range range from as low as $452 for just liability insurance to the much higher price of $2,908 for high-risk insurance.
These differences demonstrate 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 2020 Subaru Outback Insurance
Trying to find better insurance coverage rates for your Subaru Outback? Having to pay for expensive Subaru Outback insurance can bleed your savings account and make it hard to pay other bills. Shopping your coverage around is recommended to tighten up your finances.
Popular companies such as GEICO, Farmers Insurance and State Farm all claim big savings with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.
If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these techniques. Finding the best rates is not rocket science. But vehicle owners need to learn the way insurance companies price online insurance because it can help you find the best coverage.
Lower rates by qualifying for discounts
Not too many consumers would say auto insurance is affordable, but there’s a good chance there are discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you purchase, but less common discounts must be specifically requested in order for you to get them.
- Multi-Vehicle Discounts – Buying a policy with multiple cars with the same company can get a discount on all vehicles.
- Paper-free Discount – Certain larger companies will give you a small discount get auto insurance digitally online.
- Military Deployment Discount – Having a deployed family member may lower your auto insurance rates slightly.
- Mature Driver Discount – Seniors may be able to get a discount up to 10% for Outback coverage.
- Responsible Driver Discount – Accident-free drivers can pay as much as 50% less for Outback coverage than drivers with accidents.
- First Accident Forgiveness – This one is not really a discount per se, but some companies like GEICO and Liberty Mutual will turn a blind eye to one accident before hitting you with a surcharge with the catch being you have to be claim-free prior to being involved in the accident.
- ABS Braking Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents so you can save 10 percent or more.
- Seat Belt Discounts – Forcing all vehicle occupants to buckle up before driving may be able to save a few bucks off the PIP or medical payment premium.
It’s important to note that many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, it’s just not the way it works.
A few companies that may offer some of the discounts shown above are:
Before you buy a policy, ask all the companies which discounts you may be entitled to. Some discounts listed above may not be available in every state. To see insurers who offer auto insurance discounts, enter your zip code here.
Car insurance is unique, just like you
When choosing proper insurance coverage, there is no cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.
- Is my Subaru Outback covered if I use it for business?
- Can I rate high risk drivers on liability-only vehicles?
- Do I have any recourse if my insurance company denies a claim?
- Does my medical payments coverage pay my health insurance deductible?
- Are my tools covered if they get stolen from my vehicle?
- Should I put collision coverage on all my vehicles?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete your zip code.
Auto insurance coverage considerations
Understanding the coverages of your auto insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the normal coverages offered by auto insurance companies.
Comprehensive (Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Subaru Outback.
Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.
Medical expense insurance – Med pay and PIP coverage reimburse you for short-term medical expenses such as chiropractic care, nursing services, doctor visits and funeral costs. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible
Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things like colliding with a tree, damaging your car on a curb, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.
Liability coverage – Liability insurance protects you from damage or injury you incur to other people or property. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.
Liability coverage protects against things such as funeral expenses, medical expenses, repair costs for stationary objects, emergency aid and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.
Save your cold hard cash
Cheaper 2020 Subaru Outback insurance can be sourced online as well as from insurance agents, so you need to quote auto insurance with both so you have a total pricing picture. Some companies do not offer rate quotes online and most of the time these smaller providers work with independent agencies.
As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many situations where an insured cut liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find for the lowest cost, not the least amount of coverage.
Rates by U.S. City
|New York City, NY||$2,151|
|Los Angeles, CA||$2,328|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$96|
|5-yr Claim Free||$86|
|Paid in Full/EFT||$60|
Discounts are estimated and may not be available from every company or in every state.