Subaru Outback Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
Average insurance rates for a Subaru Outback are $1,362 a year for full coverage insurance. Comprehensive insurance costs approximately $332 a year, collision costs $482, and liability coverage costs $390. A liability-only policy costs as little as $452 a year, with high-risk insurance costing $2,908 or more. Teen drivers receive the highest rates at $4,976 a year or more.
Average premium for full coverage: $1,362
Rate estimates by individual coverage type:
Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Outback trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $452 for just liability insurance to a high of $2,908 for a driver who has had serious violations or accidents.
Price Range by Location
Your location has a large influence on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than larger metro areas.
The diagram below illustrates how geographic area affects auto insurance prices.
These examples illustrate why it is important to compare rates using their specific location and risk profile, 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.
More Rate Details
The chart below illustrates estimated Subaru Outback insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $799
- Drivers who choose higher $1,000 deductibles will pay $1,176 each year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,362
- Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $354 each year
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,908 or more
- The cost for full coverage for a teenage driver can cost $4,976 a year
Insurance rates for a Subaru Outback can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age
Where you live makes a big difference in Subaru Outback insurance rates. A 40-year-old driver could pay as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,840 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,230 | -$132 | -9.7% |
| Alaska | $1,044 | -$318 | -23.3% |
| Arizona | $1,132 | -$230 | -16.9% |
| Arkansas | $1,362 | -$0 | 0.0% |
| California | $1,552 | $190 | 14.0% |
| Colorado | $1,302 | -$60 | -4.4% |
| Connecticut | $1,400 | $38 | 2.8% |
| Delaware | $1,542 | $180 | 13.2% |
| Florida | $1,706 | $344 | 25.3% |
| Georgia | $1,258 | -$104 | -7.6% |
| Hawaii | $978 | -$384 | -28.2% |
| Idaho | $922 | -$440 | -32.3% |
| Illinois | $1,014 | -$348 | -25.6% |
| Indiana | $1,024 | -$338 | -24.8% |
| Iowa | $918 | -$444 | -32.6% |
| Kansas | $1,294 | -$68 | -5.0% |
| Kentucky | $1,858 | $496 | 36.4% |
| Louisiana | $2,016 | $654 | 48.0% |
| Maine | $840 | -$522 | -38.3% |
| Maryland | $1,122 | -$240 | -17.6% |
| Massachusetts | $1,090 | -$272 | -20.0% |
| Michigan | $2,368 | $1,006 | 73.9% |
| Minnesota | $1,138 | -$224 | -16.4% |
| Mississippi | $1,630 | $268 | 19.7% |
| Missouri | $1,210 | -$152 | -11.2% |
| Montana | $1,464 | $102 | 7.5% |
| Nebraska | $1,076 | -$286 | -21.0% |
| Nevada | $1,632 | $270 | 19.8% |
| New Hampshire | $980 | -$382 | -28.0% |
| New Jersey | $1,524 | $162 | 11.9% |
| New Mexico | $1,206 | -$156 | -11.5% |
| New York | $1,434 | $72 | 5.3% |
| North Carolina | $784 | -$578 | -42.4% |
| North Dakota | $1,116 | -$246 | -18.1% |
| Ohio | $942 | -$420 | -30.8% |
| Oklahoma | $1,400 | $38 | 2.8% |
| Oregon | $1,246 | -$116 | -8.5% |
| Pennsylvania | $1,300 | -$62 | -4.6% |
| Rhode Island | $1,818 | $456 | 33.5% |
| South Carolina | $1,236 | -$126 | -9.3% |
| South Dakota | $1,148 | -$214 | -15.7% |
| Tennessee | $1,196 | -$166 | -12.2% |
| Texas | $1,642 | $280 | 20.6% |
| Utah | $1,008 | -$354 | -26.0% |
| Vermont | $932 | -$430 | -31.6% |
| Virginia | $816 | -$546 | -40.1% |
| Washington | $1,052 | -$310 | -22.8% |
| West Virginia | $1,250 | -$112 | -8.2% |
| Wisconsin | $942 | -$420 | -30.8% |
| Wyoming | $1,214 | -$148 | -10.9% |
Choosing high deductibles could save up to $540 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can cost around 44% to 132% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Every company uses a different rate calculation, so the rates can be significantly 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 | $1,276 | $106 |
| Subaru Outback 2.5I Premium | $1,320 | $110 |
| Subaru Outback 2.5I Limited | $1,362 | $114 |
| Subaru Outback 3.6R | $1,362 | $114 |
| Subaru Outback 3.6R Premium | $1,392 | $116 |
| Subaru Outback 3.6R Limited | $1,436 | $120 |
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 | $348 | $500 | $372 | $1,378 |
| 2023 Subaru Outback | $332 | $482 | $390 | $1,362 |
| 2022 Subaru Outback | $320 | $478 | $398 | $1,354 |
| 2021 Subaru Outback | $308 | $466 | $416 | $1,348 |
| 2020 Subaru Outback | $298 | $446 | $430 | $1,332 |
| 2019 Subaru Outback | $282 | $430 | $442 | $1,312 |
| 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 |
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
Saving money on auto insurance not only requires being a safe and courteous driver, but also maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by requesting rates from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
Below is a condensed summary of the ideas that were presented in the illustrations above.
- Teenage drivers are expensive to insure, costing up to $415 per month for full coverage
- Drivers with multiple at-fault accidents may pay on average $1,550 more per year for auto insurance
- Increasing deductibles can save around $550 each year
- It is possible to save around $160 per year simply by quoting early and online
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $4,976 |
| 20 | $3,084 |
| 30 | $1,420 |
| 40 | $1,362 |
| 50 | $1,242 |
| 60 | $1,214 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,716 |
| $250 | $1,554 |
| $500 | $1,362 |
| $1,000 | $1,176 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,362 |
| 50/100 | $1,514 |
| 100/300 | $1,612 |
| 250/500 | $1,865 |
| 100 CSL | $1,553 |
| 300 CSL | $1,768 |
| 500 CSL | $1,924 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,088 |
| 20 | $4,896 |
| 30 | $2,972 |
| 40 | $2,908 |
| 50 | $2,770 |
| 60 | $2,744 |
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 | $68 |
| 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 | $563 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
