Subaru Outback Insurance Rates
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UPDATED: Dec 7, 2021
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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.
The average insurance rates for a Subaru Outback are $1,312 a year for full coverage. Comprehensive insurance costs on average $282 a year, collision costs $430, and liability insurance costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing $2,824 or more. Teens cost the most to insure at $4,950 a year or more.
Average premium for full coverage: $1,312
Policy rates by type of insurance:
Includes $500 physical damage deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Outback trim levels.
Price Range Variability
For a driver in their 40's, Subaru Outback insurance rates go from as low as $496 for your basic liability-only policy to a high of $2,824 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion.
The diagram below illustrates how location helps determine car insurance rates.
The examples above show why it is important to compare rates based on a specific location and risk profile, rather than relying on averaged prices.
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 Information
The chart below shows estimated Subaru Outback insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $770
- Drivers who choose higher $1,000 deductibles will pay around $1,150 a year
- The average rate for a good driver age 40 with $500 deductibles is $1,312
- Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $312 a year
- High risk drivers with serious driving violations could pay upwards of $2,824 or more
- Policy cost for full coverage for a teen driver may cost $4,950 a year
Insurance rates for a Subaru Outback also range considerably based on your risk profile, the trim level of your Outback, and policy deductibles and limits.
Older drivers with a clean driving record and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $4,900 a year. View Rates by Age
Your home state makes a big difference in Subaru Outback insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,870 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,188 | -$124 | -9.5% |
| Alaska | $1,008 | -$304 | -23.2% |
| Arizona | $1,092 | -$220 | -16.8% |
| Arkansas | $1,312 | -$0 | 0.0% |
| California | $1,494 | $182 | 13.9% |
| Colorado | $1,254 | -$58 | -4.4% |
| Connecticut | $1,350 | $38 | 2.9% |
| Delaware | $1,486 | $174 | 13.3% |
| Florida | $1,642 | $330 | 25.2% |
| Georgia | $1,212 | -$100 | -7.6% |
| Hawaii | $944 | -$368 | -28.0% |
| Idaho | $888 | -$424 | -32.3% |
| Illinois | $978 | -$334 | -25.5% |
| Indiana | $988 | -$324 | -24.7% |
| Iowa | $884 | -$428 | -32.6% |
| Kansas | $1,248 | -$64 | -4.9% |
| Kentucky | $1,792 | $480 | 36.6% |
| Louisiana | $1,944 | $632 | 48.2% |
| Maine | $810 | -$502 | -38.3% |
| Maryland | $1,084 | -$228 | -17.4% |
| Massachusetts | $1,050 | -$262 | -20.0% |
| Michigan | $2,280 | $968 | 73.8% |
| Minnesota | $1,098 | -$214 | -16.3% |
| Mississippi | $1,572 | $260 | 19.8% |
| Missouri | $1,164 | -$148 | -11.3% |
| Montana | $1,410 | $98 | 7.5% |
| Nebraska | $1,036 | -$276 | -21.0% |
| Nevada | $1,574 | $262 | 20.0% |
| New Hampshire | $944 | -$368 | -28.0% |
| New Jersey | $1,468 | $156 | 11.9% |
| New Mexico | $1,164 | -$148 | -11.3% |
| New York | $1,384 | $72 | 5.5% |
| North Carolina | $756 | -$556 | -42.4% |
| North Dakota | $1,074 | -$238 | -18.1% |
| Ohio | $908 | -$404 | -30.8% |
| Oklahoma | $1,348 | $36 | 2.7% |
| Oregon | $1,202 | -$110 | -8.4% |
| Pennsylvania | $1,252 | -$60 | -4.6% |
| Rhode Island | $1,752 | $440 | 33.5% |
| South Carolina | $1,188 | -$124 | -9.5% |
| South Dakota | $1,110 | -$202 | -15.4% |
| Tennessee | $1,150 | -$162 | -12.3% |
| Texas | $1,580 | $268 | 20.4% |
| Utah | $972 | -$340 | -25.9% |
| Vermont | $898 | -$414 | -31.6% |
| Virginia | $786 | -$526 | -40.1% |
| Washington | $1,016 | -$296 | -22.6% |
| West Virginia | $1,202 | -$110 | -8.4% |
| Wisconsin | $908 | -$404 | -30.8% |
| Wyoming | $1,170 | -$142 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles could save up to $480 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company calculates rates differently, so the rates will be varied 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 | $1,238 | $103 |
| Subaru Outback 2.5I Premium | $1,274 | $106 |
| Subaru Outback 2.5I Limited | $1,312 | $109 |
| Subaru Outback 3.6R | $1,312 | $109 |
| Subaru Outback 3.6R Premium | $1,340 | $112 |
| Subaru Outback 3.6R Limited | $1,376 | $115 |
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 | $282 | $430 | $442 | $1,312 |
| 2017 Subaru Outback | $270 | $400 | $452 | $1,280 |
| 2016 Subaru Outback | $260 | $376 | $456 | $1,250 |
| 2015 Subaru Outback | $248 | $338 | $460 | $1,204 |
| 2014 Subaru Outback | $232 | $310 | $460 | $1,160 |
| 2013 Subaru Outback | $224 | $292 | $464 | $1,138 |
| 2012 Subaru Outback | $220 | $272 | $474 | $1,124 |
| 2011 Subaru Outback | $202 | $252 | $474 | $1,086 |
| 2010 Subaru Outback | $198 | $228 | $478 | $1,062 |
| 2009 Subaru Outback | $184 | $210 | $474 | $1,026 |
| 2008 Subaru Outback | $174 | $190 | $474 | $996 |
| 2007 Subaru Outback | $168 | $170 | $468 | $964 |
| 2006 Subaru Outback | $166 | $166 | $460 | $950 |
| 2005 Subaru Outback | $162 | $160 | $452 | $932 |
| 2004 Subaru Outback | $148 | $152 | $446 | $904 |
| 2003 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 Cheapest Subaru Outback Insurance
Finding cheaper rates on Subaru Outback insurance not only requires being a safe and courteous driver, but also maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest time comparing rates at every policy renewal by getting price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.
Below is a recap of the data covered in the charts and tables above.
- Drivers who require higher levels of liability will pay approximately $490 each year to go from a 30/60 limit to 250/500 limits
- Drivers can save as much as $150 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $475 each year
- Teenage drivers pay the highest rates, costing up to $413 each month for 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 | $4,950 |
| 20 | $2,998 |
| 30 | $1,362 |
| 40 | $1,312 |
| 50 | $1,200 |
| 60 | $1,174 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,624 |
| $250 | $1,480 |
| $500 | $1,312 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,312 |
| 50/100 | $1,464 |
| 100/300 | $1,575 |
| 250/500 | $1,862 |
| 100 CSL | $1,509 |
| 300 CSL | $1,752 |
| 500 CSL | $1,929 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,038 |
| 20 | $4,770 |
| 30 | $2,876 |
| 40 | $2,824 |
| 50 | $2,696 |
| 60 | $2,670 |
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 | $69 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $56 |
| Advance Quote | $62 |
| Online Quote | $92 |
| Total Discounts | $542 |
Discounts are estimated and may not be available from every company or in every state.
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