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 auto insurance rates for a Subaru Outback are $1,348 annually for full coverage insurance. Comprehensive insurance costs approximately $308 a year, collision insurance costs $466, and liability costs $416. Liability-only insurance costs as little as $474 a year, and high-risk driver insurance costs $2,892 or more. 16-year-old drivers pay the highest rates at up to $5,002 a year.
Average premium for full coverage: $1,348
Price estimates by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Outback trim levels.
Price Range from Low to High
For the average 40-year-old driver, Subaru Outback insurance prices range from as cheap as $474 for a discount liability-only rate to a high of $2,892 for a driver that may need high-risk insurance.
Geographic Price Range
Your location can make a big difference on the price of auto insurance. Rural locations have fewer physical damage claims than congested cities. The diagram below illustrates the difference location can make on auto insurance prices.
The ranges above illustrate why it is important to compare rates using their specific location and their own personal driving habits, instead of making a decision based 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.
Rates by State, City, and Model
The chart below illustrates average Subaru Outback insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $789
- Drivers who choose higher $1,000 deductibles will pay $1,172 each year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,348
- Buying low $100 deductibles for comprehensive and collision insurance costs an additional $338 annually
- Drivers with multiple tickets or accidents could pay around $2,892
- The price with full coverage for a 16-year-old driver can cost $5,002 a year
Car insurance prices for a Subaru Outback are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $5,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $520 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Subaru Outback insurance prices. A 40-year-old driver could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,820 on average in Florida, New York, and Michigan.
| 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% |
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 Buy Affordable Subaru Outback Insurance
Getting lower rates on insurance for a Subaru Outback not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and attention to physical damage deductibles. Make time to compare rates once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The list below is a brief review of the data that was touched on in this article.
- It is possible to save around $160 per year just by quoting early and online
- Insureds who purchase higher liability limits will pay around $460 annually to go from a low limit to higher 250/500 limits
- Teenagers pay the highest auto insurance prices, as much as $417 a month if comprehensive and collision insurance is included
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,540 more per year for car 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
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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