Subaru Outback Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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 $1,354 annually including full coverage. Comprehensive insurance costs approximately $320, collision costs $478, and liability costs $398. Liability-only insurance costs as little as $460 a year, with high-risk driver insurance costing $2,898 or more. 16-year-old drivers pay the most at $4,982 a year or more.
Average premium for full coverage: $1,354
Premium estimates by type of coverage:
These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Outback trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Subaru Outback go from as cheap as $460 for just the minimum liability insurance to a much higher rate of $2,898 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can have significant affects 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 where you live affects auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of using 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 Analysis
The chart below breaks down estimated Subaru Outback insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $790
- Drivers who choose higher $1,000 deductibles will pay $184 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,354
- Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $346 every year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,898 or more
- An auto insurance policy with full coverage for a teen driver with full coverage can cost $4,982 a year
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 may pay as little as $1,300 per year on average, 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 $4,900 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 cost as much as 44% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $530 every 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 $358 more each year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Subaru Outback insurance prices. A 40-year-old driver could pay as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,930 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,224 | -$130 | -9.6% |
| Alaska | $1,038 | -$316 | -23.3% |
| Arizona | $1,122 | -$232 | -17.1% |
| Arkansas | $1,354 | -$0 | 0.0% |
| California | $1,542 | $188 | 13.9% |
| Colorado | $1,292 | -$62 | -4.6% |
| Connecticut | $1,392 | $38 | 2.8% |
| Delaware | $1,532 | $178 | 13.1% |
| Florida | $1,692 | $338 | 25.0% |
| Georgia | $1,248 | -$106 | -7.8% |
| Hawaii | $972 | -$382 | -28.2% |
| Idaho | $916 | -$438 | -32.3% |
| Illinois | $1,010 | -$344 | -25.4% |
| Indiana | $1,018 | -$336 | -24.8% |
| Iowa | $914 | -$440 | -32.5% |
| Kansas | $1,288 | -$66 | -4.9% |
| Kentucky | $1,848 | $494 | 36.5% |
| Louisiana | $2,002 | $648 | 47.9% |
| Maine | $834 | -$520 | -38.4% |
| Maryland | $1,116 | -$238 | -17.6% |
| Massachusetts | $1,084 | -$270 | -19.9% |
| Michigan | $2,350 | $996 | 73.6% |
| Minnesota | $1,134 | -$220 | -16.2% |
| Mississippi | $1,622 | $268 | 19.8% |
| Missouri | $1,202 | -$152 | -11.2% |
| Montana | $1,454 | $100 | 7.4% |
| Nebraska | $1,068 | -$286 | -21.1% |
| Nevada | $1,622 | $268 | 19.8% |
| New Hampshire | $976 | -$378 | -27.9% |
| New Jersey | $1,514 | $160 | 11.8% |
| New Mexico | $1,198 | -$156 | -11.5% |
| New York | $1,426 | $72 | 5.3% |
| North Carolina | $780 | -$574 | -42.4% |
| North Dakota | $1,108 | -$246 | -18.2% |
| Ohio | $936 | -$418 | -30.9% |
| Oklahoma | $1,392 | $38 | 2.8% |
| Oregon | $1,240 | -$114 | -8.4% |
| Pennsylvania | $1,292 | -$62 | -4.6% |
| Rhode Island | $1,806 | $452 | 33.4% |
| South Carolina | $1,228 | -$126 | -9.3% |
| South Dakota | $1,142 | -$212 | -15.7% |
| Tennessee | $1,186 | -$168 | -12.4% |
| Texas | $1,630 | $276 | 20.4% |
| Utah | $1,002 | -$352 | -26.0% |
| Vermont | $926 | -$428 | -31.6% |
| Virginia | $810 | -$544 | -40.2% |
| Washington | $1,046 | -$308 | -22.7% |
| West Virginia | $1,240 | -$114 | -8.4% |
| Wisconsin | $936 | -$418 | -30.9% |
| Wyoming | $1,204 | -$150 | -11.1% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices and see which company has the best price. Every 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 | $1,268 | $106 |
| Subaru Outback 2.5I Premium | $1,310 | $109 |
| Subaru Outback 2.5I Limited | $1,354 | $113 |
| Subaru Outback 3.6R | $1,354 | $113 |
| Subaru Outback 3.6R Premium | $1,382 | $115 |
| Subaru Outback 3.6R Limited | $1,424 | $119 |
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 | $332 | $482 | $390 | $1,362 |
| 2023 Subaru Outback | $320 | $478 | $398 | $1,354 |
| 2022 Subaru Outback | $308 | $466 | $416 | $1,348 |
| 2021 Subaru Outback | $298 | $446 | $430 | $1,332 |
| 2020 Subaru Outback | $282 | $430 | $442 | $1,312 |
| 2019 Subaru Outback | $270 | $400 | $452 | $1,280 |
| 2018 Subaru Outback | $260 | $376 | $456 | $1,250 |
| 2017 Subaru Outback | $248 | $338 | $460 | $1,204 |
| 2016 Subaru Outback | $232 | $310 | $460 | $1,160 |
| 2015 Subaru Outback | $224 | $292 | $464 | $1,138 |
| 2014 Subaru Outback | $220 | $272 | $474 | $1,124 |
| 2013 Subaru Outback | $202 | $252 | $474 | $1,086 |
| 2012 Subaru Outback | $198 | $228 | $478 | $1,062 |
| 2011 Subaru Outback | $184 | $210 | $474 | $1,026 |
| 2010 Subaru Outback | $174 | $190 | $474 | $996 |
| 2009 Subaru Outback | $168 | $170 | $468 | $964 |
| 2008 Subaru Outback | $166 | $166 | $460 | $950 |
| 2007 Subaru Outback | $162 | $160 | $452 | $932 |
| 2006 Subaru Outback | $148 | $152 | $446 | $904 |
| 2005 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 Cheap Subaru Outback Insurance
Finding better rates on car insurance not only requires avoiding accidents and violations, but also having good credit, refrain from filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by requesting quotes from direct car insurance companies, and also from local insurance agencies.
The list below is a brief summary of the car insurance concepts touched on in the above illustrations.
- Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,540 more per year for car insurance
- You may be able to save around $160 per year simply by shopping early and online
- Increasing policy deductibles could save up to $525 each year
- Policyholders who purchase higher liability limits will pay around $440 per year to go 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 | $4,982 |
| 20 | $3,076 |
| 30 | $1,410 |
| 40 | $1,354 |
| 50 | $1,234 |
| 60 | $1,208 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,700 |
| $250 | $1,540 |
| $500 | $1,354 |
| $1,000 | $1,170 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,354 |
| 50/100 | $1,504 |
| 100/300 | $1,603 |
| 250/500 | $1,862 |
| 100 CSL | $1,543 |
| 300 CSL | $1,762 |
| 500 CSL | $1,922 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,094 |
| 20 | $4,884 |
| 30 | $2,960 |
| 40 | $2,898 |
| 50 | $2,762 |
| 60 | $2,736 |
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 | $72 |
| Multi-vehicle | $69 |
| 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 | $564 |
Discounts are estimated and may not be available from every company or in every state.
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