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 prices for a Subaru Outback are $1,348 every 12 months for full coverage insurance. Comprehensive insurance costs around $308 each year, collision costs $466, and liability insurance costs $416. Buying just liability costs as little as $474 a year, with insurance for high-risk drivers costing $2,892 or more. Teenage drivers pay the highest rates at $5,002 a year or more.
Average premium for full coverage: $1,348
Price estimates for individual coverage:
Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Outback models.
Price Range from Low to High
For an average driver, Subaru Outback insurance prices go from the cheapest price of $474 for a discount liability-only rate to a high rate of $2,892 for coverage for higher-risk drivers.
Geographic Price Range
Your location has a significant impact on car insurance rates. Areas with sparse population have more infrequent physical damage claims than densely populated cities.
The graphic below illustrates the effect of geographic area on auto insurance rates.
The ranges above illustrate why all drivers should compare rates for a specific zip code and their own driving history, rather than relying 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.
Rates by State, City, and Model
The chart below illustrates estimated Subaru Outback insurance rates for additional coverage choices and driver risks.
- The best discount rate is $789
- Drivers who choose higher $1,000 deductibles will pay about $176 each year
- The average price for the average middle-age driver using $500 deductibles is $1,348
- Using low deductibles for comprehensive and collision insurance costs an extra $338 a year
- High risk drivers who are prone to accidents and violations could pay at least $2,892 or more
- The price to insure a teen driver can be $5,002 a year
Insurance prices for a Subaru Outback are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Using high physical damage deductibles could save up to $520 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $5,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates
The state you live in makes a big difference in Subaru Outback insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,820 on average in Michigan, New York, and Florida.
| 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% |
Since prices can be so different, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, and prices may be quite different.
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 Shop for the Best Subaru Outback Insurance
Getting lower rates on Subaru Outback insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates at least once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a brief recap of the primary concepts that were covered in the above illustrations.
- It is possible to save up to $160 per year simply by quoting online in advance
- High-risk drivers who tend to receive serious violations may pay on average $1,540 more every year than a low-risk driver
- Increasing physical damage deductibles could save as much as $525 each year
- Youthful drivers are charged the highest prices, as much as $417 a month if full coverage is included
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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