Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 23, 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 $141 cheaper than the average vehicle. Teen drivers pay at least $400 per month for Subaru Outback insurance rates. Continue reading to learn how you can save $568 per year on Subaru Outback insurance rates.

You can start comparing quotes for Subaru Outback auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Subaru Outback Insurance Cost

The average auto insurance rates for a Subaru Outback cost $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.

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

The average Subaru Outback auto insurance rates are higher for newer models. For example, auto 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
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Driver Age

Driver age can have a significant impact on the cost of Subaru Outback auto insurance. For example, 20-year-old drivers pay as much as $1,746 more each year for their Subaru Outback auto 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 Los Angeles may pay $1,185 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 auto insurance rates with violations on their driving record.

Subaru Outback Safety Ratings

Your Subaru Outback auto insurance rates are tied to the safety ratings of the Subaru Outback. 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 crash ratings also mean cheaper Subaru Outback auto 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

Most drivers don’t realize that not only do Subaru Outback safety features play a vital role in keeping passengers safe in crashes, but they can also help lower 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 Subaru Outback’s insurance loss probability varies between different coverage types. The lower percentage means lower Subaru Outback auto insurance costs; higher percentages mean higher Subaru Outback auto insurance costs.

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, you will pay more if you purchase Subaru Outback auto insurance at the dealership, so be sure to shop around and compare Subaru Outback auto insurance quotes from the best companies using our FREE tool below.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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5 Ways to Save on Subaru Outback Insurance

If you want to reduce the cost of your Subaru Outback insurance rates, follow these tips below:

  • If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
  • Compare Subaru Outback Insurance Rates Online
  • Consider Ride Sharing Services to Lower Your Subaru Outback Mileage
  • Ask About Loyalty Discounts
  • Buy An Older Subaru Outback

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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Compare Free Subaru Outback Insurance Quotes Online

You can start comparing quotes for Subaru Outback auto insurance rates from some of the best auto insurance companies by using our free online tool now.