Subaru Outback Insurance Rates
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UPDATED: Jun 4, 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.
U.S. average insurance rates for a Subaru Outback are $1,280 a year with full coverage. Comprehensive costs an estimated $270, collision insurance costs $400, and liability coverage costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs around $2,750. Teen drivers pay the highest rates at up to $4,854 a year.
Average premium for full coverage: $1,280
Price estimates broken down by individual coverage:
Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Outback models.
Price Range from Low to High
For the normal driver, Subaru Outback insurance prices range from the low end price of $504 for just the minimum liability insurance to the much higher price of $2,750 for a high-risk insurance policy.
Geographic Price Range
Your location has a large influence on car insurance rates. More rural locations have lower incidents of collision claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.
The ranges above demonstrate why everyone should compare rates for a targeted area, rather than using price 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 details average Subaru Outback insurance rates for other coverage scenarios.
- The lowest rate with discounts is $753
- Drivers who choose higher $1,000 deductibles will pay approximately $152 annually
- The estimated price for the average middle-age driver who has $500 deductibles is $1,280
- Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,572
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,750
- The price that insures a teenage driver for full coverage can cost as much as $4,854 a year
Insurance prices for a Subaru Outback are also quite variable based on the model of your Outback, your age and driving habits, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you may be forking out $1,500 to $2,100 additional each year, depending on your age. Subaru Outback insurance for high-risk drivers can cost around 43% to 131% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,800 a year. View Rates by Age
The state you live in makes a big difference in Subaru Outback insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,730 on average in New York, Michigan, and Florida.
| 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% |
Choosing high deductibles could save up to $450 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more each 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 Cheaper Subaru Outback Insurance
Getting lower rates on auto insurance not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around at least every other year by requesting quotes from direct companies, and also from insurance agencies where you live.
The following list is a condensed summary of the car insurance concepts presented in the illustrations above.
- Drivers with multiple at-fault accidents could be forced to pay on average $1,470 more annually than a safer driver
- You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $450 each year
- Consumers who want an increased level of liability coverage will pay about $500 every year to go from a low limit to the 250/500 level
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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