Best Subaru Outback Car Insurance Quotes (2024)
Average Subaru Outback car insurance rates are $115/mo for full coverage, $28/mo for comprehensive, $41/mo for collision, $46/mo for liability coverage. To find what Subaru Outback insurance costs near you and to find the lowest rates, shop around using our free online quote comparison tool below.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 1, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Apr 1, 2024
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 are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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
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 car insurance rates, crash test ratings, and more.
You can compare car insurance 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. 2020
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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. 2020 Subaru Outback costs will be higher than older models, as we’ll discuss below.
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
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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
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Frequently Asked Questions
How much car insurance coverage do I need for my Subaru Outback?
The amount of car insurance coverage you need for your Subaru Outback depends on several factors, including the value of your car, your budget, and your level of risk tolerance. It’s generally recommended to carry enough coverage to protect your assets in case of an accident or other incident. You may want to consider liability coverage limits of at least $100,000 per person and $300,000 per accident, and collision and comprehensive coverage with a deductible that you can comfortably afford.
Are there any discounts available for Subaru Outback car insurance?
Yes, many insurance providers offer discounts for Subaru Outback car insurance. These can include safe driving discounts, multi-policy discounts, and discounts for installing anti-theft devices in your car. Be sure to ask your insurance provider about available discounts to help lower your insurance costs.
What is the average cost of Subaru Outback car insurance?
The cost of Subaru Outback car insurance can vary widely depending on a number of factors, including the driver’s age and driving record, location, and the level of coverage chosen. On average, however, car insurance for a Subaru Outback can cost between $800 and $1,500 per year.
What factors affect the cost of Subaru Outback car insurance quotes?
Several factors can affect the cost of Subaru Outback car insurance quotes, including the driver’s age, driving record, location, and the level of coverage chosen. Additionally, the value of the car and the likelihood of it being stolen or involved in an accident can also impact the cost of insurance.
How can I find the best Subaru Outback car insurance quotes?
To find the best Subaru Outback car insurance quotes, it’s important to shop around and compare rates from different insurance providers. You can also work with an insurance broker who can help you find the best coverage at a competitive price.
What types of coverage are available for Subaru Outback car insurance?
The types of coverage available for Subaru Outback car insurance include liability coverage, which covers damages to other vehicles and property in an accident, as well as collision coverage, which covers damages to your own vehicle in a collision. Comprehensive coverage is also available, which covers damages to your vehicle from non-collision events such as theft or weather-related damage.
What is Subaru Outback car insurance?
Subaru Outback car insurance is a type of insurance coverage that protects the owner of a Subaru Outback against financial loss in case of an accident or theft. It typically covers damages to the vehicle, as well as any injuries sustained by the driver and passengers.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.