Subaru Outback 3.6R Insurance Rates

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Estimated insurance rates for a Subaru Outback 3.6R are $1,384 a year for full coverage. Comprehensive costs around $354, collision costs $508, and liability costs around $364. A policy with only liability insurance costs as low as $430 a year, with a high-risk policy costing around $2,950. Teenage drivers pay the most at $4,990 a year or more.

Annual premium for full coverage: $1,384

Premium estimates for type of coverage:

Comprehensive $354
Collision $508
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 the average 40-year-old driver, insurance rates for a Subaru Outback 3.6R go from the low end price of $430 for liability-only coverage to the much higher price of $2,950 for coverage for higher-risk drivers.

Liability Only $430
Full Coverage $1,384
High Risk $2,950

Insurance Price Range by Location

Where you live can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than densely populated cities.

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

Rural Areas $1,038
Small Cities $1,453
Large Cities $1,868

These rate differences show why everyone should compare prices for a specific zip code, instead of using average rates.

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.

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Car insurance rates for a Subaru Outback 3.6R also have a wide range based on the replacement cost of your Outback, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,600 to $2,200 extra annually, depending on your age. Subaru Outback 3.6R insurance for high-risk drivers can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Subaru Outback 3.6R insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $580 every year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range of prices, the only way to know your exact price is to regularly compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

View Chart as Image

Subaru Outback 3.6R insurance cost comparison chart
Column chart showing Subaru Outback 3.6R insurance prices range from $810 to $4,990 for full coverage

Chart shows Subaru Outback 3.6R insurance prices for different risks and coverage choices. The best price after discounts is $810. Drivers who use higher $1,000 deductibles will pay $1,188. The average price for a driver age 40 with no violations using $500 deductibles is $1,384. Selecting more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,760. Drivers with multiple violations and accidents could be charged up to $2,950. The rate for full coverage insurance for a 16-year-old driver can be as high as $4,990.

Subaru Outback 3.6R Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,252 -$132 -9.5%
Alaska $1,062 -$322 -23.3%
Arizona $1,150 -$234 -16.9%
Arkansas $1,384 -$0 0.0%
California $1,578 $194 14.0%
Colorado $1,324 -$60 -4.3%
Connecticut $1,424 $40 2.9%
Delaware $1,566 $182 13.2%
Florida $1,732 $348 25.1%
Georgia $1,280 -$104 -7.5%
Hawaii $994 -$390 -28.2%
Idaho $936 -$448 -32.4%
Illinois $1,030 -$354 -25.6%
Indiana $1,044 -$340 -24.6%
Iowa $936 -$448 -32.4%
Kansas $1,316 -$68 -4.9%
Kentucky $1,890 $506 36.6%
Louisiana $2,048 $664 48.0%
Maine $854 -$530 -38.3%
Maryland $1,142 -$242 -17.5%
Massachusetts $1,108 -$276 -19.9%
Michigan $2,406 $1,022 73.8%
Minnesota $1,158 -$226 -16.3%
Mississippi $1,658 $274 19.8%
Missouri $1,228 -$156 -11.3%
Montana $1,486 $102 7.4%
Nebraska $1,092 -$292 -21.1%
Nevada $1,660 $276 19.9%
New Hampshire $998 -$386 -27.9%
New Jersey $1,548 $164 11.8%
New Mexico $1,226 -$158 -11.4%
New York $1,460 $76 5.5%
North Carolina $798 -$586 -42.3%
North Dakota $1,134 -$250 -18.1%
Ohio $954 -$430 -31.1%
Oklahoma $1,424 $40 2.9%
Oregon $1,268 -$116 -8.4%
Pennsylvania $1,320 -$64 -4.6%
Rhode Island $1,846 $462 33.4%
South Carolina $1,254 -$130 -9.4%
South Dakota $1,168 -$216 -15.6%
Tennessee $1,212 -$172 -12.4%
Texas $1,668 $284 20.5%
Utah $1,026 -$358 -25.9%
Vermont $948 -$436 -31.5%
Virginia $828 -$556 -40.2%
Washington $1,070 -$314 -22.7%
West Virginia $1,268 -$116 -8.4%
Wisconsin $960 -$424 -30.6%
Wyoming $1,234 -$150 -10.8%

View Chart as Image

Subaru Outback 3.6R insurance rates by U.S. city

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Rates by Driver Age

Subaru Outback 3.6R Insurance Rates by Driver Age
Driver Age Premium
16 $4,990
20 $3,126
30 $1,448
40 $1,384
50 $1,260
60 $1,234

Full coverage, $500 deductibles

Rates by Deductible

Subaru Outback 3.6R Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,760
$250 $1,588
$500 $1,384
$1,000 $1,188

Full coverage, driver age 40

Rates by Liability Limit

Subaru Outback 3.6R Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,384
50/100 $1,457
100/300 $1,548
250/500 $1,784
100 CSL $1,493
300 CSL $1,693
500 CSL $1,839

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Outback 3.6R Insurance Rates for High Risk Drivers
Age Premium
16 $7,114
20 $4,956
30 $3,020
40 $2,950
50 $2,810
60 $2,780

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 $183

Potential Rate Discounts

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

Discount Savings
Multi-policy $74
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $99
5-yr Claim Free $87
Paid in Full/EFT $62
Advance Quote $66
Online Quote $98
Total Discounts $574
Rate after discounts $810

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

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