Subaru Outback Insurance Rates
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UPDATED: Jun 4, 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.
Estimated auto insurance rates for a Subaru Outback are $1,280 annually for full coverage insurance. Comprehensive costs approximately $270 a year, collision insurance costs $400, and liability insurance costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs around $2,750. Teens pay the most at up to $4,854 a year.
Average premium for full coverage: $1,280
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Outback trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Subaru Outback range from as cheap as $504 for just the minimum liability insurance to a high of $2,750 for a high-risk driver policy.
Insurance Price Range by Location
Where you live has a significant impact on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance prices.
These rate differences illustrate why it is important to compare prices using their specific location and their own personal driving habits, rather than relying on averaged prices.
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 Rate Analysis
The chart below illustrates average Subaru Outback insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $753
- Using higher $1,000 deductibles will save $1,128 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,280
- Selecting low $100 deductibles for physical damage coverage will cost $1,572
- Drivers with serious driving violations could pay around $2,750
- An auto insurance policy with full coverage for a teen driver can cost $4,854 or more
Insurance prices for a Subaru Outback also have a wide range based on the model of your Outback, your risk profile, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $450 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Subaru Outback insurance rates. A driver around age 40 might see prices as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,730 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,158 | -$122 | -9.5% |
| Alaska | $982 | -$298 | -23.3% |
| Arizona | $1,062 | -$218 | -17.0% |
| Arkansas | $1,280 | -$0 | 0.0% |
| California | $1,458 | $178 | 13.9% |
| Colorado | $1,222 | -$58 | -4.5% |
| Connecticut | $1,316 | $36 | 2.8% |
| Delaware | $1,448 | $168 | 13.1% |
| Florida | $1,602 | $322 | 25.2% |
| Georgia | $1,182 | -$98 | -7.7% |
| Hawaii | $918 | -$362 | -28.3% |
| Idaho | $866 | -$414 | -32.3% |
| Illinois | $954 | -$326 | -25.5% |
| Indiana | $964 | -$316 | -24.7% |
| Iowa | $862 | -$418 | -32.7% |
| Kansas | $1,216 | -$64 | -5.0% |
| Kentucky | $1,748 | $468 | 36.6% |
| Louisiana | $1,894 | $614 | 48.0% |
| Maine | $788 | -$492 | -38.4% |
| Maryland | $1,056 | -$224 | -17.5% |
| Massachusetts | $1,024 | -$256 | -20.0% |
| Michigan | $2,224 | $944 | 73.8% |
| Minnesota | $1,070 | -$210 | -16.4% |
| Mississippi | $1,532 | $252 | 19.7% |
| Missouri | $1,134 | -$146 | -11.4% |
| Montana | $1,374 | $94 | 7.3% |
| Nebraska | $1,010 | -$270 | -21.1% |
| Nevada | $1,536 | $256 | 20.0% |
| New Hampshire | $922 | -$358 | -28.0% |
| New Jersey | $1,430 | $150 | 11.7% |
| New Mexico | $1,134 | -$146 | -11.4% |
| New York | $1,346 | $66 | 5.2% |
| North Carolina | $738 | -$542 | -42.3% |
| North Dakota | $1,050 | -$230 | -18.0% |
| Ohio | $884 | -$396 | -30.9% |
| Oklahoma | $1,314 | $34 | 2.7% |
| Oregon | $1,172 | -$108 | -8.4% |
| Pennsylvania | $1,222 | -$58 | -4.5% |
| Rhode Island | $1,706 | $426 | 33.3% |
| South Carolina | $1,160 | -$120 | -9.4% |
| South Dakota | $1,080 | -$200 | -15.6% |
| Tennessee | $1,120 | -$160 | -12.5% |
| Texas | $1,544 | $264 | 20.6% |
| Utah | $948 | -$332 | -25.9% |
| Vermont | $876 | -$404 | -31.6% |
| Virginia | $766 | -$514 | -40.2% |
| Washington | $988 | -$292 | -22.8% |
| West Virginia | $1,172 | -$108 | -8.4% |
| Wisconsin | $886 | -$394 | -30.8% |
| Wyoming | $1,140 | -$140 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Subaru Outback 2.5I | $1,210 | $101 |
| Subaru Outback 2.5I Premium | $1,244 | $104 |
| Subaru Outback 2.5I Limited | $1,280 | $107 |
| Subaru Outback 3.6R | $1,280 | $107 |
| Subaru Outback 3.6R Premium | $1,304 | $109 |
| Subaru Outback 3.6R Limited | $1,342 | $112 |
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 | $270 | $400 | $452 | $1,280 |
| 2017 Subaru Outback | $260 | $376 | $456 | $1,250 |
| 2016 Subaru Outback | $248 | $338 | $460 | $1,204 |
| 2015 Subaru Outback | $232 | $310 | $460 | $1,160 |
| 2014 Subaru Outback | $224 | $292 | $464 | $1,138 |
| 2013 Subaru Outback | $220 | $272 | $474 | $1,124 |
| 2012 Subaru Outback | $202 | $252 | $474 | $1,086 |
| 2011 Subaru Outback | $198 | $228 | $478 | $1,062 |
| 2010 Subaru Outback | $184 | $210 | $474 | $1,026 |
| 2009 Subaru Outback | $174 | $190 | $474 | $996 |
| 2008 Subaru Outback | $168 | $170 | $468 | $964 |
| 2007 Subaru Outback | $166 | $166 | $460 | $950 |
| 2006 Subaru Outback | $162 | $160 | $452 | $932 |
| 2005 Subaru Outback | $148 | $152 | $446 | $904 |
| 2004 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 More Affordable Subaru Outback Insurance
Finding better rates on Subaru Outback insurance requires being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around every time your policy renews by requesting rates from direct insurance companies, and also from insurance agencies where you live.
Below you'll find a summary of the information raised in the charts and tables above.
- It is possible to save around $150 per year just by quoting early and online
- Youthful drivers are expensive to insure, with premiums being up to $405 per month including comprehensive and collision insurance
- Increasing policy deductibles could save up to $450 each year
- High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,470 more per year than a low-risk driver
- Drivers who purchase more liability protection will pay approximately $500 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
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 | $4,854 |
| 20 | $2,918 |
| 30 | $1,324 |
| 40 | $1,280 |
| 50 | $1,170 |
| 60 | $1,146 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,572 |
| $250 | $1,438 |
| $500 | $1,280 |
| $1,000 | $1,128 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,280 |
| 50/100 | $1,432 |
| 100/300 | $1,545 |
| 250/500 | $1,839 |
| 100 CSL | $1,478 |
| 300 CSL | $1,726 |
| 500 CSL | $1,907 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,894 |
| 20 | $4,644 |
| 30 | $2,798 |
| 40 | $2,750 |
| 50 | $2,626 |
| 60 | $2,600 |
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 | $67 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $54 |
| Advance Quote | $60 |
| Online Quote | $90 |
| Total Discounts | $527 |
Discounts are estimated and may not be available from every company or in every state.
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