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.
The average insurance prices for a Subaru Outback are $1,280 every 12 months with full coverage. Comprehensive insurance costs around $270, collision insurance costs $400, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs $2,750 or more. Teens cost the most to insure at up to $4,854 a year.
Average premium for full coverage: $1,280
Policy rates for type of insurance:
Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Outback trim levels.
Price Range Variability
For a driver around age 40, Subaru Outback insurance rates range from the cheapest price of $504 for just liability insurance to a much higher rate of $2,750 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of making a decision based 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.
More Rate Details
The chart below details average Subaru Outback insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $753
- Choosing higher $1,000 deductibles can save about $152 annually
- The average price for a good driver age 40 using $500 deductibles is $1,280
- Selecting more expensive low deductibles for comp and collision coverage costs an extra $292 annually
- Higher-risk drivers with serious driving violations could pay at least $2,750
- Policy cost to insure a 16-year-old driver with full coverage can be $4,854 each year
Auto insurance rates for a Subaru Outback also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $450 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $4,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance ranges from 43% to 131% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Subaru Outback insurance prices. A good driver about age 40 could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,730 on average in Florida, Michigan, and New York.
| 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 Shop for Low Cost Subaru Outback Insurance
Finding cheaper rates on insurance for a Subaru Outback takes having a decent driving record, having a good credit score, not filing small claims, and possibly raising deductibles. Set aside time to compare rates once a year by obtaining price quotes from direct companies, and also from several local insurance agents.
The following items are a review of the data that was covered above.
- You may be able to save up to $150 per year just by shopping early and online
- Insureds who may need additional liability coverage will pay approximately $500 every year to raise limits from a 30/60 limit to a 250/500 level
- 16 to 18-year-old drivers are expensive to insure, as much as $405 each month if comprehensive and collision insurance is included
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,470 more every year than a driver with a clean driving record
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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