Secured with SHA-256 Encryption
Select Page

Subaru Outback Car Insurance [Rates + Comparison Guide]

Average auto insurance rates for a Subaru Outback cost $1,378 a year, or around $115 a month. On average, comprehensive coverage costs $336, collision coverage costs $490, and liability coverage costs $389 for Subaru Outback insurance.

FREE Insurance Comparison

Compare quotes from the top insurance companies and save!

Secured with SHA-256 Encryption

Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

Full Bio →

Written by

UPDATED: Jun 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Key takeaways:

  • Full coverage costs around $1,378 a year or $115 each month
  • A liability-only policy costs around $552 a year or $46 each month
  • Highest rates are for teenage drivers at around $5,037 a year or $420 each month
  • Good drivers can save as much as $568 a year by earning policy discounts
  • Subaru Outback insurance costs around $141 less per year than the average vehicle

Subaru Outback insurance rates are about $141 less per year than the average vehicle, with full coverage averaging $1,378 a year or $115 a month. Older Subaru Outbacks can get liability-only coverage which costs around $552 a year or $46 a month. Good drivers can save up to $568 a year by remaining claim-free. Let’s take a look at Subaru Outback insurance rates, crash test ratings, and more.

You can start comparing quotes for Subaru Outback car insurance rates from some of the best car insurance companies by using our free online tool now.

Subaru Outback Insurance Cost

The average Subaru Outback auto insurance rates are $1,378 a year or $115 a month.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

What Impacts the Cost of Subaru Outback Insurance?

The Subaru Outback trim and model you choose can impact the total price you will pay for Subaru Outback auto insurance coverage.

Age of the Vehicle

Older Subaru Outback models generally cost less to insure. For example, car insurance for a 2020 Subaru Outback costs $1,378, while 2010 Subaru Outback insurance costs are $1,138, a difference of $240.

Model Year Comprehensive Collision Liability Total
2020 Subaru Outback $348 $500 $372 $1,378
2019 Subaru Outback $332 $482 $390 $1,362
2018 Subaru Outback $320 $478 $398 $1,354
2017 Subaru Outback $308 $466 $416 $1,348
2016 Subaru Outback $298 $446 $430 $1,332
2015 Subaru Outback $282 $430 $442 $1,312
2014 Subaru Outback $270 $400 $452 $1,280
2013 Subaru Outback $260 $376 $456 $1,250
2012 Subaru Outback $248 $338 $460 $1,204
2011 Subaru Outback $232 $310 $460 $1,160
2010 Subaru Outback $224 $292 $464 $1,138

Driver Age

Driver age can have a significant effect on the cost of Subaru Outback car insurance. For example, 30-year-old drivers pay approximately $61 more for their Subaru Outback car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Subaru Outback insurance rates. For example, drivers in New York may pay $840 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Subaru Outback auto insurance. Teens and drivers in their 20’s see the highest jump in their Subaru Outback auto insurance rates with violations on their driving record.

Subaru Outback Safety Ratings

The Subaru Outback’s safety ratings will affect your Subaru Outback auto insurance rates. See the chart below:

Test Type Rating
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
Source: Insurance Institute for Highway Safety

Subaru Outback Crash Test Ratings

The crash test ratings of the Subaru Outback can impact your Subaru Outback car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Subaru Outback SUV AWD 5 stars 5 stars 5 stars 4 stars
2019 Subaru Outback SW AWD 5 stars 5 stars 5 stars 4 stars
2018 Subaru Outback SW AWD 5 stars 5 stars 5 stars 4 stars
2017 Subaru Outback SW AWD 5 stars 5 stars 5 stars 4 stars
2016 Subaru Outback SUV AWD 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Subaru Outback Safety Features

Good Subaru Outback safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Subaru Outback are:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Subaru Outback Insurance Loss Probability

The Subaru Outback’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Subaru Outback, others are more favorable and lead to lower insurance rates.

Insurance Coverage Category Loss Rate
Collision -42%
Property Damage -32%
Comprehensive 6%
Personal Injury -37%
Medical Payment -36%
Bodily Injury -32%
Source: Insurance Institute for Highway Safety

Subaru Outback Finance and Insurance Cost

If you are financing a Subaru Outback, you will pay more if you purchase Subaru Outback car insurance at the dealership, so be sure to shop around and compare Subaru Outback car insurance quotes from the best companies using our FREE tool below.

Ways to Save on Subaru Outback Insurance

You have more options at your disposal to save money on your Subaru Outback auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Subaru Outback car insurance rates

  • Check the Odometer on Your Subaru Outback
  • Park Your Subaru Outback Somewhere Safe – like a Garage or Private Driveway
  • Ask About a Student Away from Home Discount
  • Ask About Discounts for People with Disabilities
  • Buy Winter Tires for Your Subaru Outback

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Top Subaru Outback Insurance Companies

Who is the best company for Subaru Outback insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Subaru Outback insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Subaru Outback offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Subaru Outback Insurance Quotes Online

To start comparing Subaru Outback car insurance quotes for free, use our online car insurance comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

Leave a Rating

Your email address will not be published. Required fields are marked *