Compare Subaru Outback Insurance Quotes [Comprehensive Guide]

Subaru Outback insurance rates are $115 a month on average, and State Farm is the most popular company for Subaru Outback insurance coverage. 2019 Subaru Outback insurance costs can be more expensive than newer models, so compare Subaru Outback insurance quotes online now to find the best price on your Subaru Outback auto insurance policy.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto 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 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 less expensive than the average vehicle with full coverage costing around $1,378 a year or $115 a month. The highest rates are for teens who must pay around $5,037 a year or $420 a month as they’re considered to be high risk with little driving experience.

Good drivers can save as much as $568 a year in policy discounts by practicing safe driver 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 costs are $1,378 a year or $115 a month.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

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 car insurance coverage.

Age of the Vehicle

Older Subaru Outback models generally cost less to insure. For example, car 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
Compare RatesStart Now →

Driver Age

Driver age can have a significant impact on Subaru Outback auto insurance rates. As an example, a 40-year-old driver could pay $146 less each month for their Subaru Outback auto insurance compared to a 20-year-old driver.

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
Compare RatesStart Now →

Subaru Outback Crash Test Ratings

Poor Subaru Outback crash test ratings could mean higher 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
Compare RatesStart Now →

Subaru Outback Safety Features

The Subaru Outback safety features can help lower insurance costs. According to AutoBlog, the 2020 Subaru Outback has the following safety features:

  • 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

Another contributing factor that plays a direct role in Subaru Outback insurance rates is the loss probability for each type of coverage.

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
Compare RatesStart Now →

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.

Ways to Save on Subaru Outback Insurance

Drivers can end up saving more money on their Subaru Outback car insurance rates by employing any one of the following strategies.

  • Get Cheaper Subaru Outback Car Insurance Rates as a Full-Time Parent
  • Check the Odometer on Your Subaru Outback
  • Purchase a Roadside Assistance Program for Your Subaru Outback
  • If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
  • Ask About a Student Away from Home Discount

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Top Subaru Outback Insurance Companies

Who is the top car 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
Compare RatesStart Now →

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.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption