Buy Cheap Subaru Outback Auto Insurance in 2024
If you want to buy affordable Subaru Outback insurance coverage then you should know that a policy will cost $115 per month ($1,378 per year) on average. Mature drivers with good driving records may find rates as low as $810 a year.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Jul 15, 2021
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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
Don’t fret about Subaru Outback insurance rates. Subaru Outback insurance costs around $141 less per year than the average vehicle. Read on to learn about what factors determine your Subaru Outback insurance rates.
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.
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Are Subaru Outbacks Expensive to Insure?
The chart below details how Subaru Outback insurance rates compare to other wagons like the , , and .
However, there are a few things you can do to find the cheapest Subaru insurance rates online.
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 rates for a 2020 Subaru Outback are $1,378, while 2010 Subaru Outback rates 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 Subaru Outback car insurance rates. For example, 20-year-old drivers pay $1,685 more for their Subaru Outback car insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Subaru Outback insurance rates. For example, drivers in Los Angeles may pay $197 a year more than drivers in Houston.
Your Driving Record
Your driving record can have an impact on the cost of Subaru Outback car insurance. Teens and drivers in their 20’s see the highest jump in their Subaru Outback car insurance rates with violations on their driving record.
Subaru Outback Safety Ratings
The Subaru Outback’s safety ratings will affect your Subaru Outback car 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
The Subaru Outback safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Subaru Outback auto insurance rates. The Subaru Outback’s safety features include:
- 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 lower percentage means lower Subaru Outback car insurance costs; higher percentages mean higher Subaru Outback car insurance costs. Compare the following Subaru Outback auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.
| 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.
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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
- Work with a Direct Insurer Instead of an Insurance Broker for Your Subaru Outback
- Consider Subaru Outback Insurance Costs Before Buying a Subaru Outback
- Buy a Subaru Outback with an Anti-Theft Device
- Move to an Area with a Lower Cost of Living
- Drive Your Subaru Outback Safely
Top Subaru Outback Insurance Companies
Who is the best auto insurance 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 auto 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 | |||
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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.