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Subaru Outback Car Insurance Cost

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Looking for a new or used Subaru Outback? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Subaru Outback insurance facts

  • Average full coverage auto insurance premium: $111/month

  • Most affordable companies: Progressive ($66/month) & GEICO ($70/month)

  • Outback car insurance cost vs. average rate: $68 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Subaru Outback by model year and auto insurer.

Below average Subura Outback insurer costs by state:

How much does it cost to insure my Subaru Outback?

Select the year of your car

2021 Subaru Outback

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Average Cost to Insure Per Year

$1,342

List Price

$26,795

Trims Available

2.5i - 2.5i Premium - 2.5i Limited - 3.6R Limited - 2.5i Touring - 3.6R Touring - Engine: 2.5-liter flat-four-cylinder with 182 horsepower and 176 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2020 Subaru Outback

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Average Cost to Insure Per Year

$1,285

List Price

$26,645

Trims Available

2.5i - 2.5i Premium - 2.5i Limited - 3.6R Limited - 2.5i Touring - 3.6R Touring - Engine: 2.5-liter flat-four-cylinder with 182 horsepower and 176 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2019 Subaru Outback

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Average Cost to Insure Per Year

$1,236

List Price

$26,345

Trims Available

2.5i - 2.5i Premium - 2.5i Limited - 3.6R Limited - 2.5i Touring - 3.6R Touring - Engine: 2.5-liter flat-four-cylinder with 182 horsepower and 176 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2018 Subaru Outback

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Average Cost to Insure Per Year

$1,108

List Price

$25,895

Trims Available

2.5i - 2.5i Premium - 2.5i Limited - 3.6R Limited - 2.5i Touring - 3.6R Touring

2017 Subaru Outback

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Average Cost to Insure Per Year

$1,425

List Price

$25,645

Trims Available

2.5i - 2.5i Premium - 2.5i Limited - 3.6R Limited - 2.5i Touring - 3.6R Touring

2016 Subaru Outback

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Average Cost to Insure Per Year

$1,144

List Price

$24,995

Trims Available

2.5i - 2.5i Premium - 2.5i Limited - 3.6R Limited

2015 Subaru Outback

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Average Cost to Insure Per Year

$1,089

List Price

$24,895

Trims Available

2.5i - 2.5i Premium - 2.5i Limited - 3.6R Limited

2014 Subaru Outback

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Average Cost to Insure Per Year

$1,063

List Price

$23,495

Trims Available

2.5i - 2.5i Premium - 2.5i Limited - 3.6R Limited

2013 Subaru Outback

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Average Cost to Insure Per Year

$872

List Price

$23,495

Trims Available

2.5i - 2.5i Premium - 3.6R - 2.5i Limited - 3.6R Limited

2012 Subaru Outback

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Average Cost to Insure Per Year

$814

List Price

$23,295

Trims Available

2.5i - 2.5i Premium - 3.6R - 2.5i Limited - 3.6R Premium - 3.6R Limited

2011 Subaru Outback

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Average Cost to Insure Per Year

$803

List Price

$23,195

Trims Available

2.5i - 2.5i Premium - 3.6R - 2.5i Limited - 3.6R Premium - 3.6R Limited

Risk factors affecting Subaru Outback car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car's value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Subaru Outback car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Subaru models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Subaru Automobile Brand

Subaru is the 21st largest worldwide automobile manufacturer from Japan, selling to a small but devoted group of buyers in the United States market. The target market of Subaru is financially stable middle-aged couples with strong family values. All Volkswagen automobiles have high safety ratings, with many of their vehicles getting "Top Safety Pick" and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Outback, Forester, Impreza, and Crosstrek are some of their most popular vehicles.

Higher than average Outback repair costs equal higher car insurance rates

Many consumers are attracted to Subaru cars for the stability, safety ratings, and driver-assist technologies, such as the forward-collision warning system and their excellent all-wheel drive (AWD) system. Automotive parts are pretty common, but not as cheap as popular vehicles, like Toyota or Honda. Repairing a Subaru is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Subaru's are going to have higher than average car insurance rates to similar vehicles in its class.

Fast depreciation for Subaru Outback affecting auto policies

Subarus have a higher than average depreciating value except for the Outback, according to Kelly Blue Book, affecting auto insurance rates. As your vehicle's value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Subaru models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn't fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Subarus are known for their safety ratings, safety features, 5-star crash test ratings, and EyeSight driver-assist technologies, lowering car insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Subaru models. The Outback, WRZ, and Crosstrek are Insurance Institute for Highway Safety (IIHS) "Top Safety Picks," and the NHTSA consistently gives Subaru top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Subaru automobile owners when buying a car insurance policy.

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