Subaru Outback Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 7, 2021

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Subaru Outback insurance

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 $1,280 a year for full coverage. Comprehensive costs around $270, collision insurance costs $400, and liability costs around $452. A policy with only liability insurance costs as low as $504 a year, and a high-risk policy costs around $2,750. 16-year-old drivers pay the most at up to $4,854 a year.

Average premium for full coverage: $1,280

Premium estimates for type of coverage:

Comprehensive $270
Collision $400
Liability $452

Rates are based on $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different Outback trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Subaru Outback range from as low as $504 for the bare minimum liability coverage to a much higher rate of $2,750 for a high-risk driver policy.

Liability Only $504
Full Coverage $1,280
High Risk $2,750

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than congested cities. The price range example below illustrates how where you live affects auto insurance rates.

Rural Areas $960
Small Cities $1,344
Large Cities $1,728

These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on rate 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 Information

The chart below shows average Subaru Outback insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $753
  • Using higher $1,000 deductibles will save about $152 a year
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,280
  • Buying more expensive low deductibles for physical damage coverage will increase the cost to $1,572
  • High-risk insureds with multiple tickets or accidents could pay at least $2,750
  • An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $4,854 or more

View Chart as Image

Subaru Outback insurance cost comparison chart
Column chart showing Subaru Outback insurance rates range from $753 to $4,854 for full coverage

Car insurance prices for a Subaru Outback also have a wide range based on your driving characteristics, the trim level of your Outback, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $4,800 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 $840 a year in states like Idaho, Maine, and Iowa, or at least $1,830 on average in Michigan, Louisiana, and New York.

Subaru Outback Insurance Rates by State
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%

View Chart as Image

Subaru Outback insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $450 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can be from 43% to 131% more than the average rate. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Subaru Outback Insurance Rates by Model and Trim Level
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.

Subaru Outback Insurance Rates by Model Year
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 the Best Cheap Subaru Outback Insurance

Finding better rates on insurance for a Subaru Outback requires having a good driving record, having above-average credit, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop every time your policy renews by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The next list is a quick review of the information touched on in the above illustrations.

  • Drivers can save up to $150 per year just by shopping early and online
  • Drivers age 20 and younger are the costliest to insure, as much as $405 per month if full coverage is included
  • Increasing policy deductibles can save around $450 each year
  • Drivers considered higher risk with a DUI or reckless driving violation may be required to pay an average of $1,470 more every year to buy Subaru Outback insurance
  • Insureds who may need increased levels of liability coverage will pay around $500 each year to increase from 30/60 bodily injury limits to 250/500 limits

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

  1. https://www.iihs.org/ratings/vehicle/subaru/outback-4-door-wagon/2020

Rates by Driver Age

Subaru Outback Insurance 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

Subaru Outback Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,572
$250 $1,438
$500 $1,280
$1,000 $1,128

Full coverage, driver age 40

Rates by Liability Limit

Subaru Outback Insurance Rates with Different Liability Limits
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

Subaru Outback Insurance 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.

SR-22 Surcharge $173

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
Rate after discounts $753

Discounts are estimated and may not be available from every company or in every state.

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