What is the Best Car Insurance for a Subaru Outback?

Average Subaru Outback car insurance rates cost $115 per month ($1,378 per year). Good drivers can save as much as $2,125 a year over higher risk drivers.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 6, 2020

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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 costing around $1,378 a year or $115 a month. Good drivers can save up to $568 a year in policy discounts by practicing safe driving habits. Let’s take a quick 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 car insurance rates are $1,378 a year or $115 a month.

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What Impacts the Cost of Subaru Outback Insurance?

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

Age of the Vehicle

Older Subaru Outback models generally cost less to insure. For example, auto 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
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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 Jacksonville may pay $827 a year more than drivers in Indianapolis.

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 car insurance with violations on their driving record.

Subaru Outback Safety Ratings

Your Subaru Outback auto insurance rates are tied to the Subaru Outback’s safety ratings. See the breakdown 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
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Subaru Outback Crash Test Ratings

Not only do good Subaru Outback crash test ratings mean you are better protected in a crash, but good Subaru Outback crash ratings also mean cheaper 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
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Subaru Outback Safety Features

The more safety features you have on your Subaru Outback, the more likely it is that you can earn a discount. 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 Subaru Outback’s insurance loss probability varies for each form of coverage. The lower percentage means lower Subaru Outback auto insurance rates; higher percentages mean higher Subaru Outback car 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
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Subaru Outback Finance and Insurance Cost

If you are financing a Subaru Outback, most lenders will require your carry higher Subaru Outback coverage options including comprehensive coverage, 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 car insurance costs. For example, try these five tips:

  • Get Subaru Outback Auto Insurance Through Costco
  • Audit Your Subaru Outback Driving When You Move to a New Location or Start a New Job
  • Be Picky About Who Drives Your Subaru Outback
  • Compare Insurance Companies After Moving
  • Ask About Subaru Outback Low Mileage Discounts

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Top Subaru Outback Insurance Companies

The best auto insurance companies for Subaru Outback car insurance rates will offer competitive rates, discounts, and account for the Subaru Outback’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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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Compare Free Subaru Outback Insurance Quotes Online

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.
Finding the best Subaru Outback car insurance rates is easy when you compare quotes from many different car insurance companies.

Finding the right insurance for your vehicle and your life requires research and careful consideration. Insurance companies offer different rates and different discounts based on a number of factors.

This is one reason why researching insurance companies before you buy is so extremely important. Nobody wants overpriced car insurance.

Read on to learn about the price of Subaru Outback auto insurance rates, and then enter your zip above to compare Subaru Outback car insurance quotes for FREE!

Subaru Outback Safety Features

During the search for car insurance on your Subaru Outback, it’s important that you know the many safety features of your car and what those features can do to lower your insurance rate.

The new Subaru Outback may have some features that you’re not yet familiar with and these features could positively affect the rate of your insurance on your new Subaru Outback.

These features include:

  • Horizontal cylinders in the engine, making it sit lower in the vehicle. This engine provides a better center of gravity, which results in better handling around corners or up hills.
  • Four-wheel disc brakes with four-channel anti-lock brake system, electronic brake force distribution for when you’re carrying uneven loads, and brake assist for emergency stopping. All of these features are standard in the new Subaru Outback.
  • Hill Holder, an electronic automatic parking brake, which keeps you from rolling backward on a hill but releases as soon as you pull forward.
  • More ground clearance to help get your new Subaru Outback over whatever terrain you decide to take it over.
  • Vehicle Dynamics Control (VDC) monitors vehicle stability and applies brakes individually or cuts engine power when it senses a loss of control.
  • Advanced frontal airbags to protect your precious passengers.
  • Ring-shaped reinforced frame absorbs impact from any angle and provides better protection.

These features come standard on your new Outback and assist in lowering your car insurance rates by reducing the chances of you having an accident.

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What are some optional features of the Subaru Outback?

Other features that can be added to your vehicle when purchasing to help lower your rate include:

  • Power Locks
  • Alarm System
  • Wheel locks (for alloy wheels)
  • Auto-dimming rear view mirror

What are the safety ratings of the Subaru Outback?

Insurance companies are also going to look at the fact that the Subaru Outback was rated IIHS Top Safety Pick vehicle of the year, along with having the highest crash test rating in all government crash tests from the NHTSA.

When searching for auto insurance on your Outback, it’s essential to shop around and compare quotes. The free quote tool on this page will allow you to compare rates online. Rates will vary from region to region.

Click here to find the insurance company with the right price for your Subaru Outback!

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Average Monthly Car Insurance Rates by State