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 for full coverage insurance. Comprehensive costs approximately $320 each year, collision costs $478, and liability insurance is $398. Liability-only insurance costs around $460 a year, with high-risk driver insurance costing around $2,898. Teen drivers pay the most at $4,982 a year or more.
Average premium for full coverage: $1,354
Premium estimates by type of coverage:
Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Outback models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Subaru Outback go from as cheap as $460 for a discount liability-only rate to a high rate of $2,898 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than larger metro areas.
The graphic below illustrates the effect of geographic area on auto insurance prices.
These rate differences illustrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than relying on 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.
Rates by State, City, and Model
The chart below illustrates estimated Subaru Outback insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $790
- Raising to $1,000 deductibles will save $184 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,354
- Choosing low deductibles will cost $1,700
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,898 or more
- An auto insurance policy with full coverage for a teen driver can cost $4,982
Insurance prices for a Subaru Outback also have a wide range based on the model of your Outback, your risk profile, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,300 every 12 months 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 probably paying anywhere from $1,600 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $530 each year, whereas increasing liability limits will push prices upward. Switching 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 also has a big influence on Subaru Outback insurance rates. A middle-age driver might find prices as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,830 on average in Florida, 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 only way to figure out who has the best car insurance prices is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, 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 Affordable Subaru Outback Insurance
Finding better rates on Subaru Outback insurance consists of being a low-risk driver, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates at least once a year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The items below are a brief review of the primary concepts that were covered in the above illustrations.
- It is possible to save around $160 per year simply by quoting online in advance
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,540 more per year to insure their Outback
- Increasing policy deductibles could save up to $525 each year
- Teen drivers are the costliest to insure, with premiums being up to $415 per month if they have full coverage
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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