Subaru Outback Insurance Rates

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UPDATED: May 20, 2024

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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 $1,354 a year including full coverage. Comprehensive insurance costs on average $320 each year, collision costs $478, and liability coverage costs around $398. A liability-only policy costs as low as $460 a year, with high-risk insurance costing $2,898 or more. 16-year-old drivers cost the most to insure at $4,982 a year or more.

Average premium for full coverage: $1,354

Policy rates by type of insurance:

Comprehensive $320
Collision $478
Liability $398

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Outback models.

Price Range Variability

For an average driver, Subaru Outback insurance rates go from the low end price of $460 for liability-only coverage to a high rate of $2,898 for a driver who requires high-risk insurance.

Liability Only $460
Full Coverage $1,354
High Risk $2,898

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,016
Small Cities $1,422
Large Cities $1,828

The examples above highlight why all drivers should compare prices based on a specific location, rather than using rate 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.

Additional Charts and Tables

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

  • The best full coverage rate is $790
  • Using higher $1,000 deductibles will save around $184 every year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,354
  • Buying low deductibles for physical damage coverage will cost an additional $346 each year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,898 or more
  • Policy cost that insures a teenage driver may cost $4,982 or more

View Chart as Image

Subaru Outback insurance cost comparison chart
Column chart showing full coverage Subaru Outback insurance prices range from $790 to $4,982

Car insurance rates for a Subaru Outback also range considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can be around 44% to 132% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $4,900 a year. View Rates by Age

Your home state has a huge impact on Subaru Outback insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,930 on average in Michigan, New York, and Louisiana.

Subaru Outback Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,224 -$130 -9.6%
Alaska $1,038 -$316 -23.3%
Arizona $1,122 -$232 -17.1%
Arkansas $1,354 -$0 0.0%
California $1,542 $188 13.9%
Colorado $1,292 -$62 -4.6%
Connecticut $1,392 $38 2.8%
Delaware $1,532 $178 13.1%
Florida $1,692 $338 25.0%
Georgia $1,248 -$106 -7.8%
Hawaii $972 -$382 -28.2%
Idaho $916 -$438 -32.3%
Illinois $1,010 -$344 -25.4%
Indiana $1,018 -$336 -24.8%
Iowa $914 -$440 -32.5%
Kansas $1,288 -$66 -4.9%
Kentucky $1,848 $494 36.5%
Louisiana $2,002 $648 47.9%
Maine $834 -$520 -38.4%
Maryland $1,116 -$238 -17.6%
Massachusetts $1,084 -$270 -19.9%
Michigan $2,350 $996 73.6%
Minnesota $1,134 -$220 -16.2%
Mississippi $1,622 $268 19.8%
Missouri $1,202 -$152 -11.2%
Montana $1,454 $100 7.4%
Nebraska $1,068 -$286 -21.1%
Nevada $1,622 $268 19.8%
New Hampshire $976 -$378 -27.9%
New Jersey $1,514 $160 11.8%
New Mexico $1,198 -$156 -11.5%
New York $1,426 $72 5.3%
North Carolina $780 -$574 -42.4%
North Dakota $1,108 -$246 -18.2%
Ohio $936 -$418 -30.9%
Oklahoma $1,392 $38 2.8%
Oregon $1,240 -$114 -8.4%
Pennsylvania $1,292 -$62 -4.6%
Rhode Island $1,806 $452 33.4%
South Carolina $1,228 -$126 -9.3%
South Dakota $1,142 -$212 -15.7%
Tennessee $1,186 -$168 -12.4%
Texas $1,630 $276 20.4%
Utah $1,002 -$352 -26.0%
Vermont $926 -$428 -31.6%
Virginia $810 -$544 -40.2%
Washington $1,046 -$308 -22.7%
West Virginia $1,240 -$114 -8.4%
Wisconsin $936 -$418 -30.9%
Wyoming $1,204 -$150 -11.1%

View Chart as Image

Subaru Outback insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $530 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes 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 $1,268 $106
Subaru Outback 2.5I Premium $1,310 $109
Subaru Outback 2.5I Limited $1,354 $113
Subaru Outback 3.6R $1,354 $113
Subaru Outback 3.6R Premium $1,382 $115
Subaru Outback 3.6R Limited $1,424 $119

Rates assume 2023 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
2024 Subaru Outback $332 $482 $390 $1,362
2023 Subaru Outback $320 $478 $398 $1,354
2022 Subaru Outback $308 $466 $416 $1,348
2021 Subaru Outback $298 $446 $430 $1,332
2020 Subaru Outback $282 $430 $442 $1,312
2019 Subaru Outback $270 $400 $452 $1,280
2018 Subaru Outback $260 $376 $456 $1,250
2017 Subaru Outback $248 $338 $460 $1,204
2016 Subaru Outback $232 $310 $460 $1,160
2015 Subaru Outback $224 $292 $464 $1,138
2014 Subaru Outback $220 $272 $474 $1,124
2013 Subaru Outback $202 $252 $474 $1,086
2012 Subaru Outback $198 $228 $478 $1,062
2011 Subaru Outback $184 $210 $474 $1,026
2010 Subaru Outback $174 $190 $474 $996
2009 Subaru Outback $168 $170 $468 $964
2008 Subaru Outback $166 $166 $460 $950
2007 Subaru Outback $162 $160 $452 $932
2006 Subaru Outback $148 $152 $446 $904
2005 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 the Best Subaru Outback Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop at every other renewal by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following items are a brief recap of the concepts that were covered in the above illustrations.

  • Drivers who tend to receive serious violations could be forced to pay on average $1,540 more each year than a driver with a clean driving record
  • 16 to 18-year-old drivers are expensive to insure, with premiums being up to $415 each month if full coverage is purchased
  • You may be able to save as much as $160 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save approximately $525 each year
  • You may be able to save as much as $160 per year simply by quoting online in advance

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 $4,982
20 $3,076
30 $1,410
40 $1,354
50 $1,234
60 $1,208

Full coverage, $500 deductibles

Rates by Deductible

Subaru Outback Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,700
$250 $1,540
$500 $1,354
$1,000 $1,170

Full coverage, driver age 40

Rates by Liability Limit

Subaru Outback Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,354
50/100 $1,504
100/300 $1,603
250/500 $1,862
100 CSL $1,543
300 CSL $1,762
500 CSL $1,922

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Outback Insurance Rates for High Risk Drivers
Age Premium
16 $7,094
20 $4,884
30 $2,960
40 $2,898
50 $2,762
60 $2,736

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 $182

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $69
Homeowner $20
5-yr Accident Free $96
5-yr Claim Free $86
Paid in Full/EFT $60
Advance Quote $65
Online Quote $96
Total Discounts $564
Rate after discounts $790

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

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