Subaru Outback Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 20, 2024
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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.
U.S. average insurance rates for a Subaru Outback are $1,354 a year with full coverage. Comprehensive insurance costs approximately $320, collision costs $478, and liability is $398. Buying just liability costs around $460 a year, with insurance for high-risk drivers costing $2,898 or more. 16-year-old drivers pay the highest rates at $4,982 a year or more.
Average premium for full coverage: $1,354
Price estimates by individual coverage:
Includes $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all Outback models.
Price Range from Low to High
For an average driver, Subaru Outback insurance prices go from the low end price of $460 for a discount liability-only rate to the much higher price of $2,898 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than congested cities.
The example below illustrates the effect of geographic area on auto insurance prices.
The ranges above demonstrate why everyone should compare rates quotes using their specific location, instead of 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.
Rates by State, City, and Model
The chart below details estimated Subaru Outback insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $790
- Raising to $1,000 deductibles will save $184 annually
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,354
- Buying pricier low deductibles will cost an additional $346 every year
- At-risk drivers with multiple tickets or accidents could pay around $2,898 or more
- The price that insures a teen driver for full coverage can cost $4,982
Insurance prices for a Subaru Outback are also quite variable based on the model of your Outback, your age and driving habits, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 additional each year, depending on your age. Subaru Outback insurance for high-risk drivers is expensive and can cost as much as 44% to 132% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age
The state you live in also has a big influence on Subaru Outback insurance prices. A middle-age driver might find prices as low as $980 a year in states like Utah, Ohio, and New Hampshire, or at least $1,830 on average in New York, Michigan, and Florida.
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% |
Opting for high physical damage deductibles can reduce prices by up to $530 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, and prices may be quite different.
Insurance Rates by Trim Level and Model Year
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.
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 Cheapest Subaru Outback Insurance
Getting lower rates on car insurance consists of avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop at least once a year by getting rate quotes from direct companies, and also from local insurance agencies.
The points below are a recap of the primary concepts that were covered in the above illustrations.
- You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers that have major violations or accidents may have to pay on average $1,540 more per year to insure a Subaru Outback
- Increasing physical damage deductibles can save approximately $525 each year
- Drivers under the age of 20 are the costliest to insure, costing up to $415 a month if comprehensive and collision insurance is included
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 | $4,982 |
20 | $3,076 |
30 | $1,410 |
40 | $1,354 |
50 | $1,234 |
60 | $1,208 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,700 |
$250 | $1,540 |
$500 | $1,354 |
$1,000 | $1,170 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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