Subaru Outback Insurance Rates

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UPDATED: Jun 5, 2023

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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.

U.S. average insurance rates for a Subaru Outback are $1,354 a year with full coverage. Comprehensive insurance costs around $320, collision insurance costs $478, and liability costs $398. Liability-only insurance costs as little as $460 a year, and high-risk driver insurance costs $2,898 or more. Teen drivers pay the highest rates at up to $4,982 a year.

Average premium for full coverage: $1,354

Price estimates for individual coverage:

Comprehensive $320
Collision $478
Liability $398

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all Outback models.

Price Range from Low to High

Using a 40-year-old driver as an example, Subaru Outback insurance prices range from as low as $460 for a discount liability-only rate to the much higher price of $2,898 for a high-risk driver policy.

Liability Only $460
Full Coverage $1,354
High Risk $2,898

Geographic Price Range

Your location can have significant affects on insurance rates. Areas with sparse population have a lower frequency of collision claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,016
Small Cities $1,422
Large Cities $1,828

The ranges above demonstrate why everyone should compare rates for a specific zip code and risk profile, instead of 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.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $790
  • Drivers who choose higher $1,000 deductibles will pay about $184 annually
  • The average rate for the average middle-age driver using $500 deductibles is $1,354
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $346 every year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,898
  • The price for full coverage for a teen driver for full coverage can be $4,982 a year

View Chart as Image

Subaru Outback insurance cost comparison chart
Column chart showing Subaru Outback insurance prices range from $790 to $4,982 for full coverage

Car insurance prices for a Subaru Outback are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles may pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $4,900 a year. View Rates by Age

The state you live in makes a big difference in Subaru Outback insurance prices. A 40-year-old driver could pay as low as $980 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,830 on average in Florida, Michigan, and New York.

Subaru Outback Insurance Rates by State
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%

View Chart as Image

Subaru Outback insurance rates by U.S. city

Choosing high deductibles could save up to $530 every year, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,600 to $2,200 extra each year, depending on your age. Subaru Outback insurance for high-risk drivers can cost as much as 44% to 132% more than average. 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 $1,268 $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.

Subaru Outback Insurance Rates by Model Year
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 Find Cheaper Subaru Outback Insurance

Getting lower rates on car insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every time your policy renews by getting rate quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

Below you'll find a condensed summary of the information raised in the charts and tables above.

  • You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
  • Youthful drivers are the costliest to insure, costing up to $415 a month if full coverage is included
  • Increasing physical damage deductibles can save around $525 each year
  • Higher risk drivers with multiple at-fault accidents pay an average of $1,540 more every year than a low-risk driver
  • Policyholders who may need more liability protection will pay about $440 every year to go from a low limit 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 $4,982
20 $3,076
30 $1,410
40 $1,354
50 $1,234
60 $1,208

Full coverage, $500 deductibles

Rates by Deductible

Subaru Outback Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,700
$250 $1,540
$500 $1,354
$1,000 $1,170

Full coverage, driver age 40

Rates by Liability Limit

Subaru Outback Insurance Rates with Different Liability Limits
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

Subaru Outback Insurance 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.

SR-22 Surcharge $182

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
Rate after discounts $790

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

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