Subaru Outback Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 7, 2021

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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.

Average insurance rates for a Subaru Outback are $1,332 a year for full coverage. Comprehensive costs on average $298 a year, collision costs $446, and liability insurance costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $2,858. Teen drivers receive the highest rates at $4,974 a year or more.

Average premium for full coverage: $1,332

Rate estimates by individual coverage type:

Comprehensive $298
Collision $446
Liability $430

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Outback trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $486 for only liability insurance to a high of $2,858 for a high risk driver.

Liability Only $486
Full Coverage $1,332
High Risk $2,858

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $999
Small Cities $1,399
Large Cities $1,798

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.

Insurance Rate Analysis

The chart below shows estimated Subaru Outback insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $780
  • Drivers who choose higher $1,000 deductibles will pay around $1,162 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,332
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,656
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,858 or more
  • The cost for full coverage for a teen driver may cost $4,974 a year

View Chart as Image

Subaru Outback insurance cost comparison chart
Column chart showing full coverage Subaru Outback insurance rates range from $780 to $4,974

for a Subaru Outback can also vary considerably based on your driver profile, the trim level of your Outback, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,900 a year. View Rates by Age

Where you live makes a big difference in Subaru Outback insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or as much as $1,900 on average in Michigan, Louisiana, and New York.

Subaru Outback Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,204 -$128 -9.6%
Alaska $1,022 -$310 -23.3%
Arizona $1,104 -$228 -17.1%
Arkansas $1,332 -$0 0.0%
California $1,518 $186 14.0%
Colorado $1,272 -$60 -4.5%
Connecticut $1,370 $38 2.9%
Delaware $1,506 $174 13.1%
Florida $1,666 $334 25.1%
Georgia $1,228 -$104 -7.8%
Hawaii $956 -$376 -28.2%
Idaho $900 -$432 -32.4%
Illinois $992 -$340 -25.5%
Indiana $1,002 -$330 -24.8%
Iowa $898 -$434 -32.6%
Kansas $1,266 -$66 -5.0%
Kentucky $1,816 $484 36.3%
Louisiana $1,970 $638 47.9%
Maine $822 -$510 -38.3%
Maryland $1,098 -$234 -17.6%
Massachusetts $1,066 -$266 -20.0%
Michigan $2,312 $980 73.6%
Minnesota $1,116 -$216 -16.2%
Mississippi $1,594 $262 19.7%
Missouri $1,182 -$150 -11.3%
Montana $1,432 $100 7.5%
Nebraska $1,050 -$282 -21.2%
Nevada $1,596 $264 19.8%
New Hampshire $960 -$372 -27.9%
New Jersey $1,488 $156 11.7%
New Mexico $1,180 -$152 -11.4%
New York $1,404 $72 5.4%
North Carolina $768 -$564 -42.3%
North Dakota $1,092 -$240 -18.0%
Ohio $920 -$412 -30.9%
Oklahoma $1,368 $36 2.7%
Oregon $1,218 -$114 -8.6%
Pennsylvania $1,272 -$60 -4.5%
Rhode Island $1,776 $444 33.3%
South Carolina $1,206 -$126 -9.5%
South Dakota $1,124 -$208 -15.6%
Tennessee $1,166 -$166 -12.5%
Texas $1,606 $274 20.6%
Utah $986 -$346 -26.0%
Vermont $912 -$420 -31.5%
Virginia $798 -$534 -40.1%
Washington $1,030 -$302 -22.7%
West Virginia $1,220 -$112 -8.4%
Wisconsin $922 -$410 -30.8%
Wyoming $1,186 -$146 -11.0%

View Chart as Image

Subaru Outback insurance rates by U.S. city

Choosing high deductibles could save up to $500 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $387 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 134% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,252 $104
Subaru Outback 2.5I Premium $1,292 $108
Subaru Outback 2.5I Limited $1,332 $111
Subaru Outback 3.6R $1,332 $111
Subaru Outback 3.6R Premium $1,360 $113
Subaru Outback 3.6R Limited $1,400 $117

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 $298 $446 $430 $1,332
2017 Subaru Outback $282 $430 $442 $1,312
2016 Subaru Outback $270 $400 $452 $1,280
2015 Subaru Outback $260 $376 $456 $1,250
2014 Subaru Outback $248 $338 $460 $1,204
2013 Subaru Outback $232 $310 $460 $1,160
2012 Subaru Outback $224 $292 $464 $1,138
2011 Subaru Outback $220 $272 $474 $1,124
2010 Subaru Outback $202 $252 $474 $1,086
2009 Subaru Outback $198 $228 $478 $1,062
2008 Subaru Outback $184 $210 $474 $1,026
2007 Subaru Outback $174 $190 $474 $996
2006 Subaru Outback $168 $170 $468 $964
2005 Subaru Outback $166 $166 $460 $950
2004 Subaru Outback $162 $160 $452 $932
2003 Subaru Outback $148 $152 $446 $904
2002 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 Cheaper Subaru Outback Insurance

Saving money on Subaru Outback insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $500 each year
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $470 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $415 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,530 more each year for insurance

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 $4,974
20 $3,032
30 $1,384
40 $1,332
50 $1,216
60 $1,190

Full coverage, $500 deductibles

Rates by Deductible

Subaru Outback Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,656
$250 $1,508
$500 $1,332
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Subaru Outback Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,332
50/100 $1,486
100/300 $1,594
250/500 $1,873
100 CSL $1,529
300 CSL $1,766
500 CSL $1,938

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Outback Insurance Rates for High Risk Drivers
Age Premium
16 $7,076
20 $4,822
30 $2,914
40 $2,858
50 $2,726
60 $2,700

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 $180

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $69
Homeowner $20
5-yr Accident Free $93
5-yr Claim Free $85
Paid in Full/EFT $58
Advance Quote $63
Online Quote $94
Total Discounts $552
Rate after discounts $780

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

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