Subaru Outback Insurance Rates
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UPDATED: Jun 5, 2023
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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.
U.S. average auto insurance rates for a Subaru Outback are $1,362 annually with full coverage. Comprehensive insurance costs on average $332 each year, collision costs $482, and liability is $390. Liability-only insurance costs around $452 a year, with high-risk driver insurance costing $2,908 or more. Teenage drivers pay the highest rates at $4,976 a year or more.
Average premium for full coverage: $1,362
Price estimates by individual coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Outback models.
Price Range from Low to High
For the average 40-year-old driver, Subaru Outback insurance prices go from as cheap as $452 for liability-only coverage to a high rate of $2,908 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas have fewer collision claims than densely populated cities.
The graphic below illustrates the difference location can make on car insurance rates.
The ranges above demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.
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 Charts and Tables
The chart below details estimated Subaru Outback insurance rates for different risk profiles and scenarios.
- The best discount rate is $799
- Raising to $1,000 deductibles will save around $186 annually
- The estimated rate for the average middle-age driver with $500 deductibles is $1,362
- Using low deductibles costs an additional $354 annually
- Drivers who are prone to accidents and violations could pay upwards of $2,908 or more
- The price with full coverage for a 16-year-old driver may cost $4,976
Car insurance prices for a Subaru Outback are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $540 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Subaru Outback insurance prices. A middle-age driver might find prices as low as $980 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,840 on average in Florida, Michigan, and New York.
| 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% |
Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.
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 Buy Low Cost Subaru Outback Insurance
Getting lower rates on insurance for a Subaru Outback consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates every year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The list below is a review of the coverage data touched on in this article.
- You may be able to save as much as $160 per year simply by quoting online in advance
- Increasing physical damage deductibles could save up to $550 each year
- Teenagers are expensive to insure, costing up to $415 a month if comprehensive and collision insurance is included
- Drivers considered higher risk who have several accidents or serious violations pay an average of $1,550 more each year for car insurance
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 | $4,976 |
| 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.
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