Best Subaru Outback Car Insurance Quotes (2023)
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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Written by
D. Gilson, PhD |
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Reviewed by
Leslie Kasperowicz
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UPDATED: Aug 25, 2020
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.
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: Aug 25, 2020
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
To start comparing Subaru Outback car insurance quotes for free, use our online car insurance comparison tool.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
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.
|
Written by
D. Gilson, PhD |
|
Reviewed by
Leslie Kasperowicz
|