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.
Estimated insurance rates for a Subaru Outback are $1,348 a year for full coverage insurance. Comprehensive costs approximately $308 a year, collision costs $466, and liability costs around $416. A policy with only liability insurance costs as low as $474 a year, with a high-risk policy costing around $2,892. Teenage drivers pay the most at $5,002 a year or more.
Average premium for full coverage: $1,348
Premium estimates by type of coverage:
Rate estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Outback trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Subaru Outback go from as low as $474 for liability-only coverage to a high of $2,892 for high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.
The diagram below illustrates how location impacts auto insurance prices.
These rate differences illustrate why it is important to compare prices using their specific location and risk profile, instead of making a decision based 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.
Additional Charts and Tables
The chart below illustrates estimated Subaru Outback insurance rates for additional coverage and risk scenarios.
- The best discount rate is $789
- Using higher $1,000 deductibles will save $1,172 each year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,348
- Using low $100 deductibles for physical damage coverage will increase the cost to $1,686
- High-risk insureds who are prone to accidents and violations could pay around $2,892 or more
- An auto insurance policy for full coverage for a 16-year-old driver can cost $5,002 or more
Car insurance prices for a Subaru Outback also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $5,000 a year. View Rates by Age
Where you choose to live has a huge impact on Subaru Outback insurance prices. A driver around age 40 might see prices as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $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% |
Using high physical damage deductibles could cut prices by as much as $520 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $375 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can be from 44% to 133% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different from one company to the next.
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 Find the Best Subaru Outback Insurance
Finding better rates on insurance for a Subaru Outback requires being a good driver, having above-average credit, paying for small claims out-of-pocket, and avoiding coverage lapses. Spend time shopping around every couple of years by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief recap of the material that was touched on above.
- Insureds who purchase an increased level of liability coverage will pay an extra $460 annually to increase from 30/60 bodily injury limits to 250/500 limits
- Drivers age 16 to 20 pay the highest auto insurance prices, with premiums being up to $417 per month if full coverage is included
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,540 more per year than a safer driver
- Increasing policy deductibles can save around $525 each year
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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