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Subaru Outback Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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Subaru Outback insurance

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 insurance prices for a Subaru Outback are $1,362 every 12 months for full coverage insurance. Comprehensive costs approximately $332, collision costs $482, and liability insurance costs around $390. Liability-only insurance costs as low as $452 a year, with high-risk driver insurance costing around $2,908. Teen drivers pay the most at $4,976 a year or more.

Average premium for full coverage: $1,362

Premium estimates by type of coverage:

Comprehensive $332
Collision $482
Liability $390

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 $452 for minimum levels of liability insurance to the much higher price of $2,908 for a high risk driver.

Liability Only $452
Full Coverage $1,362
High Risk $2,908

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 $1,022
Small Cities $1,430
Large Cities $1,839

These rate differences illustrate why everyone should compare prices using their specific location and their own driving history, rather than relying on price 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 illustrates estimated Subaru Outback insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $799
  • 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 $1,362
  • Choosing pricier low deductibles for physical damage coverage increases the price to $1,716
  • Drivers with multiple violations and an at-fault accident could pay around $2,908 or more
  • An auto insurance policy to insure a teen driver for full coverage can cost $4,976 or more

View Chart as Image

Subaru Outback insurance cost comparison chart
Column chart showing full coverage Subaru Outback insurance rates range from $799 to $4,976

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 $351 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 $1,300 a year, or $108 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 $4,900 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 $1,600 to $2,200 additional annually, depending on your age. Subaru Outback insurance for high-risk drivers can be anywhere from 44% to 132% 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 $890 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,840 on average in Florida, New York, and Michigan.

Subaru Outback Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,230 -$132 -9.7%
Alaska $1,044 -$318 -23.3%
Arizona $1,132 -$230 -16.9%
Arkansas $1,362 -$0 0.0%
California $1,552 $190 14.0%
Colorado $1,302 -$60 -4.4%
Connecticut $1,400 $38 2.8%
Delaware $1,542 $180 13.2%
Florida $1,706 $344 25.3%
Georgia $1,258 -$104 -7.6%
Hawaii $978 -$384 -28.2%
Idaho $922 -$440 -32.3%
Illinois $1,014 -$348 -25.6%
Indiana $1,024 -$338 -24.8%
Iowa $918 -$444 -32.6%
Kansas $1,294 -$68 -5.0%
Kentucky $1,858 $496 36.4%
Louisiana $2,016 $654 48.0%
Maine $840 -$522 -38.3%
Maryland $1,122 -$240 -17.6%
Massachusetts $1,090 -$272 -20.0%
Michigan $2,368 $1,006 73.9%
Minnesota $1,138 -$224 -16.4%
Mississippi $1,630 $268 19.7%
Missouri $1,210 -$152 -11.2%
Montana $1,464 $102 7.5%
Nebraska $1,076 -$286 -21.0%
Nevada $1,632 $270 19.8%
New Hampshire $980 -$382 -28.0%
New Jersey $1,524 $162 11.9%
New Mexico $1,206 -$156 -11.5%
New York $1,434 $72 5.3%
North Carolina $784 -$578 -42.4%
North Dakota $1,116 -$246 -18.1%
Ohio $942 -$420 -30.8%
Oklahoma $1,400 $38 2.8%
Oregon $1,246 -$116 -8.5%
Pennsylvania $1,300 -$62 -4.6%
Rhode Island $1,818 $456 33.5%
South Carolina $1,236 -$126 -9.3%
South Dakota $1,148 -$214 -15.7%
Tennessee $1,196 -$166 -12.2%
Texas $1,642 $280 20.6%
Utah $1,008 -$354 -26.0%
Vermont $932 -$430 -31.6%
Virginia $816 -$546 -40.1%
Washington $1,052 -$310 -22.8%
West Virginia $1,250 -$112 -8.2%
Wisconsin $942 -$420 -30.8%
Wyoming $1,214 -$148 -10.9%

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 Trim Annual Premium Monthly Premium
Subaru Outback 2.5I $1,276 $106
Subaru Outback 2.5I Premium $1,320 $110
Subaru Outback 2.5I Limited $1,362 $114
Subaru Outback 3.6R $1,362 $114
Subaru Outback 3.6R Premium $1,392 $116
Subaru Outback 3.6R Limited $1,436 $120

Rates assume 2020 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 Year Comprehensive Collision Liability Total Premium
2020 Subaru Outback $332 $482 $390 $1,362
2019 Subaru Outback $320 $478 $398 $1,354
2018 Subaru Outback $308 $466 $416 $1,348
2017 Subaru Outback $298 $446 $430 $1,332
2016 Subaru Outback $282 $430 $442 $1,312
2015 Subaru Outback $270 $400 $452 $1,280
2014 Subaru Outback $260 $376 $456 $1,250
2013 Subaru Outback $248 $338 $460 $1,204
2012 Subaru Outback $232 $310 $460 $1,160
2011 Subaru Outback $224 $292 $464 $1,138
2010 Subaru Outback $220 $272 $474 $1,124
2009 Subaru Outback $202 $252 $474 $1,086
2008 Subaru Outback $198 $228 $478 $1,062
2007 Subaru Outback $184 $210 $474 $1,026
2006 Subaru Outback $174 $190 $474 $996
2005 Subaru Outback $168 $170 $468 $964
2004 Subaru Outback $166 $166 $460 $950
2003 Subaru Outback $162 $160 $452 $932
2002 Subaru Outback $148 $152 $446 $904
2001 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 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 $550 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 $430 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 $415 per month if full coverage is included
  • High-risk drivers that have multiple accidents or serious violations may have to pay on average $1,550 more per year for Outback insurance

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

  1. https://www.iihs.org/ratings/vehicle/subaru/outback-4-door-wagon/2020

Rates by Driver Age

Subaru Outback Insurance Rates by Driver Age
Driver Age Premium
16 $4,976
20 $3,084
30 $1,420
40 $1,362
50 $1,242
60 $1,214

Full coverage, $500 deductibles

Rates by Deductible

Subaru Outback Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,716
$250 $1,554
$500 $1,362
$1,000 $1,176

Full coverage, driver age 40

Rates by Liability Limit

Subaru Outback Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,362
50/100 $1,514
100/300 $1,612
250/500 $1,865
100 CSL $1,553
300 CSL $1,768
500 CSL $1,924

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Outback Insurance Rates for High Risk Drivers
Age Premium
16 $7,088
20 $4,896
30 $2,972
40 $2,908
50 $2,770
60 $2,744

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 $181

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $68
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 $563
Rate after discounts $799

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

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