Subaru Outback Insurance Rates
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UPDATED: Jun 6, 2023
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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.
The average insurance rates for a Subaru Outback are $1,280 a year for full coverage. Comprehensive costs on average $270, collision insurance costs $400, and liability insurance costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs around $2,750. 16-year-old drivers cost the most to insure at up to $4,854 a year.
Average premium for full coverage: $1,280
Policy rates by type of insurance:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all Outback models.
Price Range Variability
For the average 40-year-old driver, Subaru Outback insurance rates range from the low end price of $504 for liability-only coverage to the much higher price of $2,750 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than congested cities. The example below illustrates the difference location can make on car insurance rates.
The examples above show why everyone should compare rates based on a specific location, 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 Charts and Tables
The chart below shows average Subaru Outback insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $753
- Drivers who choose higher $1,000 deductibles will pay around $152 a year
- The estimated price for a good driver age 40 with $500 deductibles is $1,280
- Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,572
- High risk drivers with multiple tickets or accidents could pay upwards of $2,750
- Policy cost that insures a teen driver for full coverage may cost $4,854 a year
Insurance rates for a Subaru Outback also range considerably based on the model of your Outback, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Subaru Outback insurance for high-risk drivers can cost anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age
Your home state makes a big difference in Subaru Outback insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or at least $1,830 on average in Michigan, Louisiana, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,158 | -$122 | -9.5% |
Alaska | $982 | -$298 | -23.3% |
Arizona | $1,062 | -$218 | -17.0% |
Arkansas | $1,280 | -$0 | 0.0% |
California | $1,458 | $178 | 13.9% |
Colorado | $1,222 | -$58 | -4.5% |
Connecticut | $1,316 | $36 | 2.8% |
Delaware | $1,448 | $168 | 13.1% |
Florida | $1,602 | $322 | 25.2% |
Georgia | $1,182 | -$98 | -7.7% |
Hawaii | $918 | -$362 | -28.3% |
Idaho | $866 | -$414 | -32.3% |
Illinois | $954 | -$326 | -25.5% |
Indiana | $964 | -$316 | -24.7% |
Iowa | $862 | -$418 | -32.7% |
Kansas | $1,216 | -$64 | -5.0% |
Kentucky | $1,748 | $468 | 36.6% |
Louisiana | $1,894 | $614 | 48.0% |
Maine | $788 | -$492 | -38.4% |
Maryland | $1,056 | -$224 | -17.5% |
Massachusetts | $1,024 | -$256 | -20.0% |
Michigan | $2,224 | $944 | 73.8% |
Minnesota | $1,070 | -$210 | -16.4% |
Mississippi | $1,532 | $252 | 19.7% |
Missouri | $1,134 | -$146 | -11.4% |
Montana | $1,374 | $94 | 7.3% |
Nebraska | $1,010 | -$270 | -21.1% |
Nevada | $1,536 | $256 | 20.0% |
New Hampshire | $922 | -$358 | -28.0% |
New Jersey | $1,430 | $150 | 11.7% |
New Mexico | $1,134 | -$146 | -11.4% |
New York | $1,346 | $66 | 5.2% |
North Carolina | $738 | -$542 | -42.3% |
North Dakota | $1,050 | -$230 | -18.0% |
Ohio | $884 | -$396 | -30.9% |
Oklahoma | $1,314 | $34 | 2.7% |
Oregon | $1,172 | -$108 | -8.4% |
Pennsylvania | $1,222 | -$58 | -4.5% |
Rhode Island | $1,706 | $426 | 33.3% |
South Carolina | $1,160 | -$120 | -9.4% |
South Dakota | $1,080 | -$200 | -15.6% |
Tennessee | $1,120 | -$160 | -12.5% |
Texas | $1,544 | $264 | 20.6% |
Utah | $948 | -$332 | -25.9% |
Vermont | $876 | -$404 | -31.6% |
Virginia | $766 | -$514 | -40.2% |
Washington | $988 | -$292 | -22.8% |
West Virginia | $1,172 | -$108 | -8.4% |
Wisconsin | $886 | -$394 | -30.8% |
Wyoming | $1,140 | -$140 | -10.9% |
Opting for high physical damage deductibles could save up to $450 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Subaru Outback 2.5I | $1,210 | $101 |
Subaru Outback 2.5I Premium | $1,244 | $104 |
Subaru Outback 2.5I Limited | $1,280 | $107 |
Subaru Outback 3.6R | $1,280 | $107 |
Subaru Outback 3.6R Premium | $1,304 | $109 |
Subaru Outback 3.6R Limited | $1,342 | $112 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 Subaru Outback | $270 | $400 | $452 | $1,280 |
2017 Subaru Outback | $260 | $376 | $456 | $1,250 |
2016 Subaru Outback | $248 | $338 | $460 | $1,204 |
2015 Subaru Outback | $232 | $310 | $460 | $1,160 |
2014 Subaru Outback | $224 | $292 | $464 | $1,138 |
2013 Subaru Outback | $220 | $272 | $474 | $1,124 |
2012 Subaru Outback | $202 | $252 | $474 | $1,086 |
2011 Subaru Outback | $198 | $228 | $478 | $1,062 |
2010 Subaru Outback | $184 | $210 | $474 | $1,026 |
2009 Subaru Outback | $174 | $190 | $474 | $996 |
2008 Subaru Outback | $168 | $170 | $468 | $964 |
2007 Subaru Outback | $166 | $166 | $460 | $950 |
2006 Subaru Outback | $162 | $160 | $452 | $932 |
2005 Subaru Outback | $148 | $152 | $446 | $904 |
2004 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 Best Subaru Outback Insurance
Finding cheaper rates on Subaru Outback insurance not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Comparison shop at every other renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.
The points below are a brief recap of the concepts that were touched on in this article.
- High-risk drivers who tend to receive serious violations may pay on average $1,470 more each year to insure a Subaru Outback
- Drivers under the age of 20 pay the highest rates, costing up to $405 each month if full coverage is included
- Drivers can save as much as $150 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $450 each year
- Drivers can save as much as $150 per year just by quoting online well ahead of the renewal date
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 | $4,854 |
20 | $2,918 |
30 | $1,324 |
40 | $1,280 |
50 | $1,170 |
60 | $1,146 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,572 |
$250 | $1,438 |
$500 | $1,280 |
$1,000 | $1,128 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,280 |
50/100 | $1,432 |
100/300 | $1,545 |
250/500 | $1,839 |
100 CSL | $1,478 |
300 CSL | $1,726 |
500 CSL | $1,907 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,894 |
20 | $4,644 |
30 | $2,798 |
40 | $2,750 |
50 | $2,626 |
60 | $2,600 |
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 | $67 |
Multi-vehicle | $67 |
Homeowner | $20 |
5-yr Accident Free | $87 |
5-yr Claim Free | $82 |
Paid in Full/EFT | $54 |
Advance Quote | $60 |
Online Quote | $90 |
Total Discounts | $527 |
Discounts are estimated and may not be available from every company or in every state.
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