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 for full coverage insurance. Comprehensive costs around $320 each year, collision insurance costs $478, and liability is $398. A policy with just liability insurance costs around $460 a year, and coverage for high-risk drivers costs around $2,898. Teenage drivers pay the highest rates at up to $4,982 a year.
Average premium for full coverage: $1,354
Price estimates for individual coverage:
Estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Outback models.
Price Range from Low to High
For the normal driver, Subaru Outback insurance prices range from as low as $460 for the bare minimum liability coverage to a high rate of $2,898 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance rates.
The ranges above illustrate why all drivers should compare rates quotes for a specific zip code and risk profile, 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.
Additional Rate Information
The chart below illustrates average Subaru Outback insurance rates for additional coverage choices and driver risks.
- The best discount rate is $790
- Raising to $1,000 deductibles will save about $184 each year
- The average rate for the average middle-age driver using $500 deductibles is $1,354
- Using low deductibles will increase the cost to $1,700
- Drivers who are prone to accidents and violations could pay at least $2,898
- The price for full coverage for a 16-year-old driver can be $4,982
Insurance prices for a Subaru Outback are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
More mature drivers with a clean driving record and high deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $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 $890 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,830 on average in Michigan, New York, 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% |
Using high physical damage deductibles can reduce prices by up to $530 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates
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 Low Cost Subaru Outback Insurance
Getting lower rates on insurance for a Subaru Outback consists of having a good driving record, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates at every other renewal by quoting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The next list is a review of the concepts that were presented in the illustrations above.
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,540 more every year to buy Subaru Outback insurance
- Drivers age 20 and younger pay higher prices, as much as $415 a month for full coverage
- It is possible to save up to $160 per year just by quoting online in advance
- Increasing physical damage deductibles can save around $525 each year
- It is possible to save up to $160 per year just 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
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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