Subaru Outback Insurance Rates
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UPDATED: Jun 6, 2023
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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 auto insurance rates for a Subaru Outback are $1,312 annually including full coverage. Comprehensive costs on average $282 a year, collision insurance costs $430, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs around $2,824. Teenage drivers receive the highest rates at up to $4,950 a year.
Average premium for full coverage: $1,312
Rate estimates by individual coverage type:
Rate estimates include $500 physical damage deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Outback trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as cheap as $496 for basic liability insurance to a high of $2,824 for a driver that may need high-risk insurance.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how location helps determine car insurance rates.
These examples highlight why it is important to compare rates based on a specific location and their own personal driving habits, instead of making a decision based on average rates.
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.
Rate Comparisons
The chart below breaks down average Subaru Outback insurance rates for different risk profiles and scenarios.
- The best discount rate is $770
- Drivers who choose higher $1,000 deductibles will pay around $1,150 every year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,312
- Using low $100 deductibles for comprehensive and collision insurance will cost $1,624
- Drivers who are prone to accidents and violations could pay upwards of $2,824
- The cost with full coverage for a 16-year-old driver may cost $4,950 a year
Insurance rates for a Subaru Outback can also vary considerably based on the trim level of your Outback, your driving characteristics, and policy deductibles and limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy can cost from 42% to 128% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $480 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Subaru Outback insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,870 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,188 | -$124 | -9.5% |
| Alaska | $1,008 | -$304 | -23.2% |
| Arizona | $1,092 | -$220 | -16.8% |
| Arkansas | $1,312 | -$0 | 0.0% |
| California | $1,494 | $182 | 13.9% |
| Colorado | $1,254 | -$58 | -4.4% |
| Connecticut | $1,350 | $38 | 2.9% |
| Delaware | $1,486 | $174 | 13.3% |
| Florida | $1,642 | $330 | 25.2% |
| Georgia | $1,212 | -$100 | -7.6% |
| Hawaii | $944 | -$368 | -28.0% |
| Idaho | $888 | -$424 | -32.3% |
| Illinois | $978 | -$334 | -25.5% |
| Indiana | $988 | -$324 | -24.7% |
| Iowa | $884 | -$428 | -32.6% |
| Kansas | $1,248 | -$64 | -4.9% |
| Kentucky | $1,792 | $480 | 36.6% |
| Louisiana | $1,944 | $632 | 48.2% |
| Maine | $810 | -$502 | -38.3% |
| Maryland | $1,084 | -$228 | -17.4% |
| Massachusetts | $1,050 | -$262 | -20.0% |
| Michigan | $2,280 | $968 | 73.8% |
| Minnesota | $1,098 | -$214 | -16.3% |
| Mississippi | $1,572 | $260 | 19.8% |
| Missouri | $1,164 | -$148 | -11.3% |
| Montana | $1,410 | $98 | 7.5% |
| Nebraska | $1,036 | -$276 | -21.0% |
| Nevada | $1,574 | $262 | 20.0% |
| New Hampshire | $944 | -$368 | -28.0% |
| New Jersey | $1,468 | $156 | 11.9% |
| New Mexico | $1,164 | -$148 | -11.3% |
| New York | $1,384 | $72 | 5.5% |
| North Carolina | $756 | -$556 | -42.4% |
| North Dakota | $1,074 | -$238 | -18.1% |
| Ohio | $908 | -$404 | -30.8% |
| Oklahoma | $1,348 | $36 | 2.7% |
| Oregon | $1,202 | -$110 | -8.4% |
| Pennsylvania | $1,252 | -$60 | -4.6% |
| Rhode Island | $1,752 | $440 | 33.5% |
| South Carolina | $1,188 | -$124 | -9.5% |
| South Dakota | $1,110 | -$202 | -15.4% |
| Tennessee | $1,150 | -$162 | -12.3% |
| Texas | $1,580 | $268 | 20.4% |
| Utah | $972 | -$340 | -25.9% |
| Vermont | $898 | -$414 | -31.6% |
| Virginia | $786 | -$526 | -40.1% |
| Washington | $1,016 | -$296 | -22.6% |
| West Virginia | $1,202 | -$110 | -8.4% |
| Wisconsin | $908 | -$404 | -30.8% |
| Wyoming | $1,170 | -$142 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Subaru Outback 2.5I | $1,238 | $103 |
| Subaru Outback 2.5I Premium | $1,274 | $106 |
| Subaru Outback 2.5I Limited | $1,312 | $109 |
| Subaru Outback 3.6R | $1,312 | $109 |
| Subaru Outback 3.6R Premium | $1,340 | $112 |
| Subaru Outback 3.6R Limited | $1,376 | $115 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Subaru Outback | $282 | $430 | $442 | $1,312 |
| 2017 Subaru Outback | $270 | $400 | $452 | $1,280 |
| 2016 Subaru Outback | $260 | $376 | $456 | $1,250 |
| 2015 Subaru Outback | $248 | $338 | $460 | $1,204 |
| 2014 Subaru Outback | $232 | $310 | $460 | $1,160 |
| 2013 Subaru Outback | $224 | $292 | $464 | $1,138 |
| 2012 Subaru Outback | $220 | $272 | $474 | $1,124 |
| 2011 Subaru Outback | $202 | $252 | $474 | $1,086 |
| 2010 Subaru Outback | $198 | $228 | $478 | $1,062 |
| 2009 Subaru Outback | $184 | $210 | $474 | $1,026 |
| 2008 Subaru Outback | $174 | $190 | $474 | $996 |
| 2007 Subaru Outback | $168 | $170 | $468 | $964 |
| 2006 Subaru Outback | $166 | $166 | $460 | $950 |
| 2005 Subaru Outback | $162 | $160 | $452 | $932 |
| 2004 Subaru Outback | $148 | $152 | $446 | $904 |
| 2003 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 Buy the Best Subaru Outback Insurance
Saving money on insurance for a Subaru Outback not only requires being a safe and courteous driver, but also having good credit, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates once a year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
Below is a brief recap of the data that was covered in the charts and tables above.
- You may be able to save as much as $150 per year just by quoting early and online
- Insureds who require higher levels of liability will pay an extra $490 per year to go from a minimum limit to higher 250/500 limits
- Teenage drivers pay higher rates, as much as $413 per month if they have full coverage
- Drivers considered higher risk who tend to receive serious violations pay on average $1,510 more each year for auto 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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,950 |
| 20 | $2,998 |
| 30 | $1,362 |
| 40 | $1,312 |
| 50 | $1,200 |
| 60 | $1,174 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,624 |
| $250 | $1,480 |
| $500 | $1,312 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,312 |
| 50/100 | $1,464 |
| 100/300 | $1,575 |
| 250/500 | $1,862 |
| 100 CSL | $1,509 |
| 300 CSL | $1,752 |
| 500 CSL | $1,929 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,038 |
| 20 | $4,770 |
| 30 | $2,876 |
| 40 | $2,824 |
| 50 | $2,696 |
| 60 | $2,670 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $56 |
| Advance Quote | $62 |
| Online Quote | $92 |
| Total Discounts | $542 |
Discounts are estimated and may not be available from every company or in every state.
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