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...
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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.
Estimated auto insurance rates for a Subaru Outback are $1,348 annually including full coverage. Comprehensive costs approximately $308, collision costs $466, and liability insurance costs around $416. Liability-only insurance costs as low as $474 a year, with high-risk driver insurance costing around $2,892. 16-year-old drivers pay the most at $5,002 a year or more.
Average premium for full coverage: $1,348
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different Outback trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Subaru Outback go from as cheap as $474 for minimum levels of liability insurance to a much higher rate of $2,892 for a high-risk driver policy.
Insurance Price Range by Location
Where you live has a significant impact on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities.
The price range example below illustrates how location helps determine auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than relying on 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.
Additional Rate Details
The chart below breaks down estimated Subaru Outback insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $789
- Using higher $1,000 deductibles will save $176 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,348
- Buying more expensive low deductibles for physical damage coverage will cost $1,686
- Drivers with multiple tickets or accidents could pay around $2,892 or more
- An auto insurance policy with full coverage for a teen driver with full coverage can cost $5,002 or more
Insurance prices for a Subaru Outback also have a wide range based on the model of your Outback, your driving characteristics, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $520 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $375 more each 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 $1,040 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,920 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,218 | -$130 | -9.6% |
| Alaska | $1,034 | -$314 | -23.3% |
| Arizona | $1,120 | -$228 | -16.9% |
| Arkansas | $1,348 | -$0 | 0.0% |
| California | $1,536 | $188 | 13.9% |
| Colorado | $1,288 | -$60 | -4.5% |
| Connecticut | $1,386 | $38 | 2.8% |
| Delaware | $1,524 | $176 | 13.1% |
| Florida | $1,688 | $340 | 25.2% |
| Georgia | $1,244 | -$104 | -7.7% |
| Hawaii | $968 | -$380 | -28.2% |
| Idaho | $912 | -$436 | -32.3% |
| Illinois | $1,006 | -$342 | -25.4% |
| Indiana | $1,016 | -$332 | -24.6% |
| Iowa | $910 | -$438 | -32.5% |
| Kansas | $1,282 | -$66 | -4.9% |
| Kentucky | $1,840 | $492 | 36.5% |
| Louisiana | $1,996 | $648 | 48.1% |
| Maine | $832 | -$516 | -38.3% |
| Maryland | $1,112 | -$236 | -17.5% |
| Massachusetts | $1,078 | -$270 | -20.0% |
| Michigan | $2,342 | $994 | 73.7% |
| Minnesota | $1,128 | -$220 | -16.3% |
| Mississippi | $1,616 | $268 | 19.9% |
| Missouri | $1,198 | -$150 | -11.1% |
| Montana | $1,450 | $102 | 7.6% |
| Nebraska | $1,062 | -$286 | -21.2% |
| Nevada | $1,616 | $268 | 19.9% |
| New Hampshire | $972 | -$376 | -27.9% |
| New Jersey | $1,506 | $158 | 11.7% |
| New Mexico | $1,194 | -$154 | -11.4% |
| New York | $1,420 | $72 | 5.3% |
| North Carolina | $778 | -$570 | -42.3% |
| North Dakota | $1,104 | -$244 | -18.1% |
| Ohio | $932 | -$416 | -30.9% |
| Oklahoma | $1,384 | $36 | 2.7% |
| Oregon | $1,234 | -$114 | -8.5% |
| Pennsylvania | $1,286 | -$62 | -4.6% |
| Rhode Island | $1,798 | $450 | 33.4% |
| South Carolina | $1,222 | -$126 | -9.3% |
| South Dakota | $1,138 | -$210 | -15.6% |
| Tennessee | $1,182 | -$166 | -12.3% |
| Texas | $1,626 | $278 | 20.6% |
| Utah | $998 | -$350 | -26.0% |
| Vermont | $922 | -$426 | -31.6% |
| Virginia | $808 | -$540 | -40.1% |
| Washington | $1,044 | -$304 | -22.6% |
| West Virginia | $1,234 | -$114 | -8.5% |
| Wisconsin | $934 | -$414 | -30.7% |
| Wyoming | $1,200 | -$148 | -11.0% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, and prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Subaru Outback 2.5I | $1,266 | $106 |
| Subaru Outback 2.5I Premium | $1,306 | $109 |
| Subaru Outback 2.5I Limited | $1,348 | $112 |
| Subaru Outback 3.6R | $1,348 | $112 |
| Subaru Outback 3.6R Premium | $1,376 | $115 |
| Subaru Outback 3.6R Limited | $1,418 | $118 |
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 | $320 | $478 | $398 | $1,354 |
| 2023 Subaru Outback | $308 | $466 | $416 | $1,348 |
| 2022 Subaru Outback | $298 | $446 | $430 | $1,332 |
| 2021 Subaru Outback | $282 | $430 | $442 | $1,312 |
| 2020 Subaru Outback | $270 | $400 | $452 | $1,280 |
| 2019 Subaru Outback | $260 | $376 | $456 | $1,250 |
| 2018 Subaru Outback | $248 | $338 | $460 | $1,204 |
| 2017 Subaru Outback | $232 | $310 | $460 | $1,160 |
| 2016 Subaru Outback | $224 | $292 | $464 | $1,138 |
| 2015 Subaru Outback | $220 | $272 | $474 | $1,124 |
| 2014 Subaru Outback | $202 | $252 | $474 | $1,086 |
| 2013 Subaru Outback | $198 | $228 | $478 | $1,062 |
| 2012 Subaru Outback | $184 | $210 | $474 | $1,026 |
| 2011 Subaru Outback | $174 | $190 | $474 | $996 |
| 2010 Subaru Outback | $168 | $170 | $468 | $964 |
| 2009 Subaru Outback | $166 | $166 | $460 | $950 |
| 2008 Subaru Outback | $162 | $160 | $452 | $932 |
| 2007 Subaru Outback | $148 | $152 | $446 | $904 |
| 2006 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 good credit, refrain from filing small claims, and qualifying for all possible discounts. Invest time comparing rates every time your policy renews by requesting quotes from direct car insurance companies, and also from local insurance agencies.
Below you'll find a summary of the information covered in the charts and tables above.
- You may be able to save around $160 per year simply by shopping early and online
- Youthful drivers are the costliest to insure, with the cost nearing $417 per month if they have full coverage
- Increasing policy deductibles could save up to $525 each year
- High-risk drivers who have multiple accidents or major violations may have to pay on average $1,540 more per year than a low-risk driver
- Drivers who purchase more liability protection will pay around $460 per year 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 | $5,002 |
| 20 | $3,068 |
| 30 | $1,402 |
| 40 | $1,348 |
| 50 | $1,230 |
| 60 | $1,204 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,686 |
| $250 | $1,532 |
| $500 | $1,348 |
| $1,000 | $1,172 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,348 |
| 50/100 | $1,501 |
| 100/300 | $1,605 |
| 250/500 | $1,876 |
| 100 CSL | $1,543 |
| 300 CSL | $1,772 |
| 500 CSL | $1,938 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,122 |
| 20 | $4,880 |
| 30 | $2,954 |
| 40 | $2,892 |
| 50 | $2,758 |
| 60 | $2,730 |
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 | $71 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $95 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $59 |
| Advance Quote | $64 |
| Online Quote | $95 |
| Total Discounts | $559 |
Discounts are estimated and may not be available from every company or in every state.
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