Subaru Outback 2.5I Insurance Rates

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U.S. average insurance prices for a Subaru Outback 2.5I are $1,294 every 12 months for full coverage. Comprehensive insurance costs approximately $326, collision costs $446, and liability coverage costs around $364. Just liability insurance costs as low as $430 a year, with coverage for high-risk drivers costing $2,748 or more. Teenage drivers pay the highest rates at $4,700 a year or more.

Annual premium for full coverage: $1,294

Price estimates by type of insurance:

Comprehensive $326
Collision $446
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Subaru Outback Trim Level

For a 40-year-old driver, Subaru Outback 2.5I insurance prices go from the cheapest price of $430 for a discount liability-only rate to a much higher rate of $2,748 for high-risk insurance.

Liability Only $430
Full Coverage $1,294
High Risk $2,748

These price ranges show why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than using average rates.

Use the form below to get rates for your location.

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Insurance rates for a Subaru Outback 2.5I are also quite variable based on deductibles and policy limits, your driver profile, and the replacement cost of your Outback.

Using high physical damage deductibles could cut rates by as much as $510 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $327 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,700 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 $1,500 to $2,000 extra each year, depending on your age. High-risk driver insurance can be around 43% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Subaru Outback 2.5I insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Since rates can be so different, the only way to know which auto insurance is cheapest is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates may be quite different.

View Chart as Image

Subaru Outback 2.5I insurance cost comparison chart
Column chart showing Subaru Outback 2.5I insurance prices range from $765 to $4,700 for full coverage

Chart shows Subaru Outback 2.5I insurance rates for different coverage choices and risks. The cheapest rate with discounts is $765. Drivers who use higher $1,000 deductibles will pay $1,118. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,294. Using more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,628. Drivers with multiple violations and accidents could be charged at least $2,748. The price for full coverage for a teenager can be as high as $4,700.

Subaru Outback 2.5I Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,170 -$124 -9.6%
Alaska $992 -$302 -23.3%
Arizona $1,074 -$220 -17.0%
Arkansas $1,294 -$0 0.0%
California $1,474 $180 13.9%
Colorado $1,236 -$58 -4.5%
Connecticut $1,332 $38 2.9%
Delaware $1,466 $172 13.3%
Florida $1,618 $324 25.0%
Georgia $1,196 -$98 -7.6%
Hawaii $930 -$364 -28.1%
Idaho $876 -$418 -32.3%
Illinois $964 -$330 -25.5%
Indiana $974 -$320 -24.7%
Iowa $872 -$422 -32.6%
Kansas $1,230 -$64 -4.9%
Kentucky $1,766 $472 36.5%
Louisiana $1,914 $620 47.9%
Maine $798 -$496 -38.3%
Maryland $1,068 -$226 -17.5%
Massachusetts $1,034 -$260 -20.1%
Michigan $2,248 $954 73.7%
Minnesota $1,082 -$212 -16.4%
Mississippi $1,552 $258 19.9%
Missouri $1,148 -$146 -11.3%
Montana $1,388 $94 7.3%
Nebraska $1,020 -$274 -21.2%
Nevada $1,552 $258 19.9%
New Hampshire $932 -$362 -28.0%
New Jersey $1,446 $152 11.7%
New Mexico $1,146 -$148 -11.4%
New York $1,362 $68 5.3%
North Carolina $746 -$548 -42.3%
North Dakota $1,060 -$234 -18.1%
Ohio $894 -$400 -30.9%
Oklahoma $1,330 $36 2.8%
Oregon $1,186 -$108 -8.3%
Pennsylvania $1,234 -$60 -4.6%
Rhode Island $1,726 $432 33.4%
South Carolina $1,174 -$120 -9.3%
South Dakota $1,092 -$202 -15.6%
Tennessee $1,134 -$160 -12.4%
Texas $1,560 $266 20.6%
Utah $960 -$334 -25.8%
Vermont $886 -$408 -31.5%
Virginia $774 -$520 -40.2%
Washington $1,000 -$294 -22.7%
West Virginia $1,186 -$108 -8.3%
Wisconsin $896 -$398 -30.8%
Wyoming $1,152 -$142 -11.0%

View Chart as Image

Subaru Outback 2.5I insurance rates by U.S. city

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Rates by Driver Age

Subaru Outback 2.5I Insurance Rates by Driver Age
Driver Age Premium
16 $4,700
20 $2,914
30 $1,348
40 $1,294
50 $1,178
60 $1,154

Full coverage, $500 deductibles

Rates by Deductible

Subaru Outback 2.5I Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,628
$250 $1,476
$500 $1,294
$1,000 $1,118

Full coverage, driver age 40

Rates by Liability Limit

Subaru Outback 2.5I Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,294
50/100 $1,367
100/300 $1,458
250/500 $1,694
100 CSL $1,403
300 CSL $1,603
500 CSL $1,749

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Outback 2.5I Insurance Rates for High Risk Drivers
Age Premium
16 $6,686
20 $4,616
30 $2,810
40 $2,748
50 $2,618
60 $2,590

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 $169

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $64
Homeowner $19
5-yr Accident Free $90
5-yr Claim Free $81
Paid in Full/EFT $56
Advance Quote $60
Online Quote $91
Total Discounts $529
Rate after discounts $765

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

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