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Subaru Outback Insurance Rates

Subaru Outback insurance

Estimated insurance prices for a Subaru Outback are $1,314 every 12 months for full coverage insurance. Comprehensive costs approximately $332, collision costs $476, and liability insurance costs around $354. Liability-only insurance costs as low as $416 a year, with high-risk driver insurance costing around $2,794. Teen drivers pay the most at $4,742 a year or more.

Average premium for full coverage: $1,314

Premium estimates by type of coverage:

Comprehensive $332
Collision $476
Liability $354

Rates include $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all Outback models.

Insurance Price Range by Risk and Coverage

For a middle-aged driver, insurance rates for a Subaru Outback go from the cheapest price of $416 for minimum levels of liability insurance to the much higher price of $2,794 for a high risk driver.

Liability Only $416
Full Coverage $1,314
High Risk $2,794

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 more infrequent physical damage claims than larger metro areas.

The example below illustrates the effect of location on auto insurance prices.

Rural Areas $986
Small Cities $1,380
Large Cities $1,774

These rate differences illustrate why everyone should compare prices using their specific location and their own driving history, rather than relying on price averages.

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Additional Rate Details

The chart below illustrates estimated Subaru Outback insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $770
  • Using higher $1,000 deductibles will save $186 each year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,314
  • Choosing pricier low deductibles for physical damage coverage increases the price to $1,664
  • Drivers with multiple violations and an at-fault accident could pay around $2,794 or more
  • An auto insurance policy to insure a teen driver for full coverage can cost $4,742 or more

View Chart as Image

Subaru Outback insurance cost comparison chart
Column chart showing full coverage Subaru Outback insurance rates range from $770 to $4,742

Insurance prices for a Subaru Outback also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Outback.

Choosing high deductibles could cut prices by as much as $540 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $318 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 additional annually, depending on your age. Subaru Outback insurance for high-risk drivers can be anywhere from 44% to 128% more than average. View High Risk Driver Rates

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 $1,070 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,970 on average in Florida, New York, and Michigan.

Subaru Outback Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,260-$54-4.1%
Alaska$1,076-$238-18.1%
Arizona$1,316$20.2%
Arkansas$1,328$141.1%
California$1,472$15812.0%
Colorado$1,362$483.7%
Connecticut$1,718$40430.7%
Delaware$1,596$28221.5%
Florida$1,772$45834.9%
Georgia$1,300-$14-1.1%
Hawaii$1,416$1027.8%
Idaho$912-$402-30.6%
Illinois$974-$340-25.9%
Indiana$934-$380-28.9%
Iowa$986-$328-25.0%
Kansas$1,204-$110-8.4%
Kentucky$1,698$38429.2%
Louisiana$2,126$81261.8%
Maine$898-$416-31.7%
Maryland$1,348$342.6%
Massachusetts$1,156-$158-12.0%
Michigan$2,412$1,09883.6%
Minnesota$1,152-$162-12.3%
Mississippi$1,284-$30-2.3%
Missouri$1,120-$194-14.8%
Montana$1,188-$126-9.6%
Nebraska$1,082-$232-17.7%
Nevada$1,692$37828.8%
New Hampshire$1,070-$244-18.6%
New Jersey$1,306-$8-0.6%
New Mexico$1,216-$98-7.5%
New York$1,706$39229.8%
North Carolina$932-$382-29.1%
North Dakota$1,274-$40-3.0%
Ohio$924-$390-29.7%
Oklahoma$1,594$28021.3%
Oregon$1,226-$88-6.7%
Pennsylvania$1,478$16412.5%
Rhode Island$1,590$27621.0%
South Carolina$1,224-$90-6.8%
South Dakota$1,028-$286-21.8%
Tennessee$1,180-$134-10.2%
Texas$1,260-$54-4.1%
Utah$1,162-$152-11.6%
Vermont$932-$382-29.1%
Virginia$942-$372-28.3%
Washington$1,156-$158-12.0%
West Virginia$1,336$221.7%
Wisconsin$1,336$221.7%
Wyoming$1,450$13610.4%

View Chart as Image

Subaru Outback insurance rates by U.S. city

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Subaru Outback Insurance Rates by Model and Trim Level
Model and TrimAnnual PremiumMonthly Premium
Subaru Outback 2.5I$1,228$102
Subaru Outback 2.5I Premium$1,270$106
Subaru Outback 2.5I Limited$1,314$110
Subaru Outback 3.6R$1,314$110
Subaru Outback 3.6R Premium$1,342$112
Subaru Outback 3.6R Limited$1,384$115

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.

Subaru Outback Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal Premium
2018 Subaru Outback$332$476$354$1,314
2017 Subaru Outback$316$456$370$1,294
2016 Subaru Outback$304$454$378$1,288
2015 Subaru Outback$292$442$396$1,282
2014 Subaru Outback$282$424$408$1,266
2013 Subaru Outback$268$408$420$1,248
2012 Subaru Outback$256$380$428$1,216
2011 Subaru Outback$246$358$432$1,188
2010 Subaru Outback$236$320$436$1,144
2009 Subaru Outback$220$294$436$1,102
2008 Subaru Outback$214$276$440$1,082
2007 Subaru Outback$208$258$450$1,068
2006 Subaru Outback$192$240$450$1,034
2005 Subaru Outback$188$218$454$1,012
2004 Subaru Outback$174$198$450$974
2003 Subaru Outback$164$180$450$946
2002 Subaru Outback$160$162$446$920
2001 Subaru Outback$156$158$436$902
2000 Subaru Outback$154$152$428$886

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 Cheaper Subaru Outback Insurance

Finding better rates on Subaru Outback insurance requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to shop around at least every two years by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The following is a summary of the information that was covered in this article.

  • Increasing policy deductibles could save as much as $525 each year
  • It is possible to save around $160 per year simply by quoting online well ahead of the renewal date
  • Drivers who purchase higher liability limits will pay about $390 annually to increase from 30/60 bodily injury limits to a 250/500 level
  • Teens are the costliest to insure, with premiums being up to $395 per month if full coverage is included
  • High-risk drivers that have multiple accidents or serious violations may have to pay on average $1,480 more per year for Outback insurance

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Rates by Driver Age

Subaru Outback Insurance Rates by Driver Age
Driver AgePremium
16$4,742
20$2,962
30$1,370
40$1,314
50$1,194
60$1,170

Full coverage, $500 deductibles

Rates by Deductible

Subaru Outback Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,664
$250$1,504
$500$1,314
$1,000$1,128

Full coverage, driver age 40

Rates by Liability Limit

Subaru Outback Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,314
50/100$1,455
100/300$1,543
250/500$1,773
100 CSL$1,490
300 CSL$1,685
500 CSL$1,827

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Outback Insurance Rates for High Risk Drivers
AgePremium
16$6,758
20$4,696
30$2,860
40$2,794
50$2,660
60$2,630

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.

SR-22 Surcharge $174

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$70
Multi-vehicle$65
Homeowner$19
5-yr Accident Free$93
5-yr Claim Free$83
Paid in Full/EFT$59
Advance Quote$62
Online Quote$93
Total Discounts$544
Rate after discounts $770

Discounts are estimated and may not be available from every company or in every state.

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