Here are the best information about Subaru insurance rates voted by readers and compiled and edited by our team, let’s find out
A Subaru Outback is cheaper to insure compared to the average SUV.
Liability only car insurance premiums for an Outback tend to be around $66 per month, while full coverage usually averages about $124.
Commonwealth Casualty provides the cheapest average premiums for an Outback with liability only coverage offered for as little as just $37 monthly.
The Subaru Outback is a great SUV for all budgets, with base prices starting at just $29,145 for 2022 models. With seven different trim levels currently offered, every driver can find an option to match their style.
Based on looking at thousands of auto insurance quotes from Compare.com, we’ve determined that, on average, Subaru Outback insurance rates run around $127 per month. But how does that stack up to other similar vehicles out there on the market?
How Much is Car Insurance for a Subaru Outback?
Looking at the table above, you’ll find that Subaru Outback insurance prices are below average. On average, Outback owners will pay about $124 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $66 a month for liability only insurance (check out our guide, “State Minimum vs. Full Coverage”, to learn more about the difference between these types of insurance).
Comparing it to other models, the Outback is more affordable, with premiums around 21% lower than other vehicles in Subaru’s lineup. Compared to SUV offerings from other brands, car insurance for an Outback is also more affordable, with liability only insurance prices coming in about $15 less and $28 less for full coverage.
Impressively, they’re overall more affordable to insure than the average vehicle, no matter what make, body style, or model they are.
Who has the Cheapest Car Insurance for a Subaru Outback?
Are you searching for an auto insurance policy for your Subaru Outback? You’re probably wondering which carrier offers the lowest prices. Even though costs will typically be pretty different from policyholder to policyholder, the lowest average rates for liability only insurance are sometimes as little as $28 per month from Mile Auto. The next most affordable company is Good2Go, who offers insurance as cheap as just $32 a month.
Fiesta, Hugo, and Commonwealth Casualty round out the rest of the top 5 list. That being said, just because these five companies offer the cheapest average rates doesn’t necessarily mean they’ll give you the best rates for your Subaru Outback.
Car insurance carriers take a wide array of different factors into consideration when offering you rates. Because every driver is different, there’s only one way to ensure you get the cheapest prices, and that’s by getting personalized quotes and comparing rates from an array of auto insurance companies.
What Factors Affect Car Insurance Rates for a Subaru Outback?
There are a wide array of attributes that car insurance carriers examine to choose how much they charge – and every carrier uses a different method, so there’s not a singular company that’s the lowest for each driver.
Here are just a few of the things car insurers will look at, with individual breakdowns of how each one affects your rates:
The Subaru Outback has been around for a while, so vehicle age may make a difference in what you end up paying for auto insurance. Typically, newer cars are going to cost more to insure because they’re worth more, however, as time goes on and Outbacks begin to depreciate, insurance costs will gradually get lower.
According to the table above, the Subaru Outback follows this trend, as the cheapest models to insure are those that are 15 years old or more, while on average, the most expensive models are Outbacks that are 11 to 14 years old.
Age plays a big role in how much you pay for insurance. As you can see above, older drivers have less expensive rates than teenage Outback drivers. Subaru Outback drivers under 18 actually pay more than twice as much as those 25 or older.
Auto insurance prices continue to decrease as you get older, with the cheapest age group for Outback drivers being 65 years and older.
Because women are less likely to get into accidents and get tickets, they have a decreased chance of filing a claim with insurance. So, insurance companies will often charge women less than men. When it comes to Outback drivers specifically, men pay around $68 monthly for auto insurance, while women pay about $63.
Where You Live
It may be obvious that variables like how old you are and what vehicle you drive play a role in your insurance premiums, but did you know that where you live is equally important? Since car insurance is regulated on a state-by-state basis, rates differ quite a bit from state to state.
For example, the average Subaru Outback owner from New York pays around $145 per month for liability coverage. Meanwhile, the same driver in California will pay less than 50% of that price, on average. The chart above shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change from state to state.
Subaru Outback Car Insurance Discounts
Regardless of what state you live in, what car you drive, or how old you are, using as many discounts as possible when it comes to your auto insurance is always the smart move when shopping around for a policy.
Not every insurance carrier will offer the same discounts, but there are a few that are relatively common. These include discounts like:
- Multi-car discounts for having several vehicles on your auto policy
- Pay-in-full discounts for drivers who choose to pay their entire policy price at once, rather than by monthly payments
- Defensive driving discounts for taking a defensive driving class through an accredited school or institution
- Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
While taking advantage of discounts is always a smart way to save money on your car insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.
Of course, you can’t control every single aspect of your insurance profile (like some of the variables we mentioned above), but you can influence some of it. Below are just a few of the ones you can use in your favor when it comes to cost savings:
Your Driving Record
You’ve most likely heard ads from car insurance carriers posting hefty discounts for safe drivers. And you probably wouldn’t be surprised that your auto insurance prices will go higher if you get into a collision or get tickets for speeding. But exactly how much is it going to cost you for these infractions?
Looking at the table above, you’ll see that accidents will usually cost Outback drivers more than tickets, but both will result in higher than normal rates. Subaru Outback drivers with one accident on their record pay about $85 a month (up $19 from the $66/mo. overall average), while drivers with a single ticket will pay an average of $78 monthly. The rates only go up the more accidents you have or tickets you get.
How Much You Drive
How much you drive affects your insurance premiums. Drivers who are on the roads less are less likely to get into accidents, so they’ll normally be offered cheaper rates. Based on the table above, you can see that Subaru Outback owners who drive more than 10,000 miles per year pay an average of $59 a month for auto insurance, while those who put less than 2,500 miles on their cars pay $83.
But if you’re one of those drivers who don’t put very many miles on your Subaru Outback each year, you might consider learning about usage-based or pay-per-mile car insurance policies. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.
How Do Subaru Outbacks Compare to Other Vehicles?
If you’re considering making a Subaru Outback your next vehicle, you’re probably wondering how it compares to other vehicles. Insurance is just one cost that’s associated with a new car purchase, but it’s certainly one that’s worth considering.
Review the table below to see how the Subaru Outback stacks up:
Overall, the Subaru Outback is a fantastic value when it comes to price, with an MSRP that’s a quarter less than the going rate for a new vehicle. The Outback has an MSRP of $29,145, which is much cheaper than the national average vehicle price of $42,283.
Similarly, insurance prices run slightly below average when compared to the rest of the vehicle market. Full coverage insurance for a Subaru Outback is about $42 a month cheaper than average, while liability only coverage is $4 higher per month.
When it comes to usage, Subaru Outback owners drive fewer miles annually than the national average, with 10,267 miles each year compared to 11,660 for all vehicles.
Subaru Outback Car Insurance Costs by Model Year
You’ve seen how different things can affect how much you might pay for car insurance. But if you’re considering buying a new vehicle and the Outback is one you’re thinking about, knowing what you can expect to pay for the specific vehicle you’re looking at is extremely valuable as you weigh your options.
For this reason, we’ve decided to break down Subaru Outback auto insurance premiums by model year. Choose a model year from the dropdown below to see average rates for both liability only and full coverage options. We’ve also included some other helpful info that might help you make a decision, like available trims, base price, and even the cheapest insurance company for each Outback model year.
Choose Your Model
2022 Subaru Outback Car Insurance
You can expect full coverage for a 2022 Outback to run around $127 a month, while liability only coverage will average about $85 monthly.
Kemper Personal Insurance has prices sometimes as low as $33 a month for the 2022 Subaru Outback.
Interested in exactly how much you’ll pay? Just enter your ZIP code below to get a variety of free customized quotes.
2021 Subaru Outback Car Insurance
The average cost to insure a 2021 Subaru Outback with liability only coverage is $77 monthly, while full coverage runs around $167 per month.
With premiums as little as $21 a month, Clearcover offered the most affordable policy we found.
If you want to find the best rates for car insurance for a 2021 Subaru Outback, enter your ZIP code below and compare many personalized quotes in just a few minutes.
2020 Subaru Outback Car Insurance
On average, drivers who own a 2020 Outback can expect to pay $59 to $142 monthly for liability only and full coverage auto insurance, respectively.
Hugo offered the lowest policy we found, with rates as low as just $19 per month.
If you want to know exactly how much you can expect to pay for your Outback, just enter your ZIP code below and get several free quotes in minutes.
2019 Subaru Outback Car Insurance
It costs about $65 monthly for liability or $130 for a full coverage policy for the 2019 Subaru Outback.
With prices as low as $25 per month, DirectGeneral offered the cheapest policy we found for the 2019 Subaru Outback.
If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.
2018 Subaru Outback Car Insurance
2018 Outback drivers can expect to pay an average of $64 a month for liability or $131 for full coverage.
We found Safeco offered the most affordable policy, with rates as cheap as $18 monthly.
If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.
2017 Subaru Outback Car Insurance
On average, drivers who own a 2017 Subaru Outback can expect to pay $64 to $135 a month for liability only and full coverage insurance, respectively.
If you’re looking for the lowest possible 2017 Subaru Outback insurance policy, Infinity offered the cheapest policy we found, with rates sometimes as cheap as $26 per month.
Interested in what your car insurance premium could look like? Get multiple free personalized quotes by just entering your ZIP code below.
2016 Subaru Outback Car Insurance
You can expect full coverage for a 2016 Outback to run around $117 monthly, while liability only coverage will average about $53 per month.
Looking for the most affordable policy? Shelter Mutual offered liability only coverage for as cheap as $16 a month.
If you want to know exactly how much you can expect to pay for your Outback, get free quotes in minutes by just entering your ZIP code below.
2015 Subaru Outback Car Insurance
2015 Subaru Outback drivers can expect to pay an average of $53 per month for liability or $116 for full coverage.
With rates sometimes as cheap as $16 a month, Liberty Mutual offered the lowest policy we found for the 2015 Subaru Outback.
If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.
2014 Subaru Outback Car Insurance
It costs around $57 monthly for liability or $115 for a full coverage policy for the 2014 Outback.
MetLife has premiums as low as $17 per month for the 2014 Subaru Outback.
What could your auto insurance price look like? Enter your ZIP code below to get lots of customized quotes for free.
2013 Subaru Outback Car Insurance
The average cost to insure a 2013 Subaru Outback with liability only coverage is $58 a month, while full coverage runs about $119 monthly.
If you’re looking for the cheapest possible 2013 Subaru Outback insurance policy, Mercury offered the cheapest policy we found, with rates as little as just $19 a month.
If you’re looking for a more exact figure on what you should pay for insurance for a 2013 Subaru Outback, you can get free quotes in minutes by just entering your ZIP code below.
2012 Subaru Outback Car Insurance
On average, drivers who own a 2012 Outback can expect to pay $66 to $121 per month for liability only and full coverage auto insurance, respectively.
MetLife offered the lowest policy we found, with rates as low as just $18 monthly.
Want to know just how much you’ll pay? Just enter your ZIP code below to get several customized quotes for free.
2011 Subaru Outback Car Insurance
It costs around $79 per month for liability or $129 for a full coverage policy for the 2011 Subaru Outback.
We found MetLife offered the most affordable policy, with rates sometimes as little as $16 monthly.
If you want to know exactly how much you can expect to pay for your Outback, just enter your ZIP code below and get free quotes in minutes.
2010 Subaru Outback Car Insurance
2010 Outback drivers can expect to pay an average of $73 a month for liability or $120 for full coverage.
Looking for the cheapest policy? Safeco offered liability only coverage for sometimes as low as $19 per month.
If you want to find the best prices for car insurance for a 2010 Subaru Outback, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.
Subaru Outback Insurance FAQs
Is a Subaru Outback expensive to insure?
Liability insurance runs an average of $66 a month, while full coverage will cost you around $124. It costs less to insure a Subaru Outback when compared to the average vehicle.
How can I get the best price on car insurance for my Subaru Outback?
The only way to be confident you’re getting the most affordable price on insurance is to regularly shop around and compare quotes from a lot of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from quite a few carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.
Does the color of my Subaru Outback affect my insurance rates?
You’ve probably heard the old adage that red cars cost more to insure than cars of other colors, but that’s actually not the case. There are a variety of variables car insurance companies use when they decide your insurance rate, but your Subaru Outback’s color is not used to make that determination.
Do I need to have insurance before I buy a Subaru Outback?
Before you can legally drive your new (or new to you) car off the dealership lot, you’ll need to have a valid auto insurance policy. Some dealerships will offer you one during the purchase process, but your best bet is letting your car insurance carrier know before you buy.
What car insurance discounts can I get for my Subaru Outback?
There are many different discounts out there when it comes to auto insurance. Many of them (like “safe driver discounts” and “multi-policy discounts”) are based less on your vehicle and more on you, but if your Outback has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to find out is to get in touch with your insurance company and ask about their discounts, since they vary quite a bit from carrier to carrier.