Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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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 also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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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.

Free Auto Insurance Comparison

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

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Below average Subura Outback insurer costs by state:

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.

2021 Subaru Outback

Cheapest Insurance CompaniesAverage Annual Cost
Allied$1764
Allstate$1530
American Family$956
Amica$1812
Auto-Owners$1568
Direct Auto$1392
Erie$1010
Farmers$1326
GEICO$836
Liberty Mutual$1048
Mercury$1460
MetLife$1715
Nationwide$1136
Progressive$798
Safe Auto$1642
State Farm$1140
Tennessee Farmers$1415
Travelers$1360
USAA$1040

Compare all 2021 Subaru Outback rates

Average Cost to Insure Per Year

$1342

List Price

$26795

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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1482
American Family$1089
Auto-Owners$1524
Erie$916
Farmers$1306
GEICO$812
Mercury$1416
MetLife$1716
Nationwide$1125
Progressive$790
Safe Auto$1569
State Farm$1136
Tennessee Farmers$1387
Travelers$1355
USAA$1036
Vermont Mutual$1612

Compare all 2020 Subaru Outback rates

Average Cost to Insure Per Year

$1285

List Price

$26645

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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1470
American Family$1021
Auto-Owners$1494
Direct Auto$1417
Erie$826
Farmers$1294
GEICO$799
Liberty Mutual$935
MetLife$1687
Nationwide$1246
Progressive$763
Safe Auto$1530
State Farm$1280
Tennessee Farmers$1360
Travelers$1344
USAA$1020
Vermont Mutual$1570

Compare all 2019 Subaru Outback rates

Average Cost to Insure Per Year

$1236

List Price

$26345

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 974
Acuity$ 974
Allied$ 945
Allied$ 945
Arbella$ 1067
Arbella$ 1067
Country$ 1015
Country$ 1015
Erie$ 790
Erie$ 790
GEICO$ 723
GEICO$ 723
Nationwide$ 871
Nationwide$ 871
Plymouth Rock Insurance$ 931
Plymouth Rock Insurance$ 931
Progressive$ 938
Progressive$ 938
State Farm$ 974
State Farm$ 974
Tennessee Farmers$ 908
Tennessee Farmers$ 908
Vermont Mutual$ 890
Vermont Mutual$ 890

Compare all 2018 Subaru Outback rates

Average Cost to Insure Per Year

$ 1108

List Price

$ 25895

Trims Available

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

2017 Subaru Outback

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 984
Acuity$ 984
Allied$ 960
Allied$ 960
Arbella$ 1044
Arbella$ 1044
Country$ 1023
Country$ 1023
Erie$ 690
Erie$ 690
GEICO$ 579
GEICO$ 579
Nationwide$ 876
Nationwide$ 876
Plymouth Rock Insurance$ 950
Plymouth Rock Insurance$ 950
Progressive$ 868
Progressive$ 868
State Farm$ 889
State Farm$ 889
USAA$ 960
USAA$ 960
Vermont Mutual$ 883
Vermont Mutual$ 883

Compare all 2017 Subaru Outback rates

Average Cost to Insure Per Year

$ 1425

List Price

$ 25645

Trims Available

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

2016 Subaru Outback

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 949
Acuity$ 949
Allied$ 891
Allied$ 891
American Family$ 959
American Family$ 959
Erie$ 620
Erie$ 620
GEICO$ 518
GEICO$ 518
Nationwide$ 807
Nationwide$ 807
Plymouth Rock Insurance$ 865
Plymouth Rock Insurance$ 865
Progressive$ 752
Progressive$ 752
State Farm$ 736
State Farm$ 736
Tennessee Farmers$ 838
Tennessee Farmers$ 838
USAA$ 798
USAA$ 798
Vermont Mutual$ 842
Vermont Mutual$ 842

Compare all 2016 Subaru Outback rates

Average Cost to Insure Per Year

$ 1144

List Price

$ 24995

Trims Available

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

2015 Subaru Outback

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 942
Acuity$ 942
Allied$ 881
Allied$ 881
American Family$ 922
American Family$ 922
Erie$ 607
Erie$ 607
GEICO$ 505
GEICO$ 505
Nationwide$ 812
Nationwide$ 812
Plymouth Rock Insurance$ 856
Plymouth Rock Insurance$ 856
Progressive$ 731
Progressive$ 731
State Farm$ 646
State Farm$ 646
Tennessee Farmers$ 858
Tennessee Farmers$ 858
USAA$ 704
USAA$ 704
Vermont Mutual$ 837
Vermont Mutual$ 837

Compare all 2015 Subaru Outback rates

Average Cost to Insure Per Year

$ 1089

List Price

$ 24895

Trims Available

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

2014 Subaru Outback

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 897
Acuity$ 897
Allied$ 900
Allied$ 900
American Family$ 914
American Family$ 914
Erie$ 629
Erie$ 629
GEICO$ 486
GEICO$ 486
Nationwide$ 874
Nationwide$ 874
Plymouth Rock Insurance$ 875
Plymouth Rock Insurance$ 875
Progressive$ 735
Progressive$ 735
State Farm$ 711
State Farm$ 711
Tennessee Farmers$ 823
Tennessee Farmers$ 823
USAA$ 695
USAA$ 695
Vermont Mutual$ 776
Vermont Mutual$ 776

Compare all 2014 Subaru Outback rates

Average Cost to Insure Per Year

$ 1063

List Price

$ 23495

Trims Available

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

2013 Subaru Outback

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 842
Acuity$ 842
American Family$ 798
American Family$ 798
Country$ 829
Country$ 829
Erie$ 594
Erie$ 594
GEICO$ 423
GEICO$ 423
Nationwide$ 838
Nationwide$ 838
Plymouth Rock Insurance$ 849
Plymouth Rock Insurance$ 849
Progressive$ 638
Progressive$ 638
State Farm$ 586
State Farm$ 586
Tennessee Farmers$ 773
Tennessee Farmers$ 773
USAA$ 616
USAA$ 616
Vermont Mutual$ 749
Vermont Mutual$ 749

Compare all 2013 Subaru Outback rates

Average Cost to Insure Per Year

$ 872

List Price

$ 23495

Trims Available

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

2012 Subaru Outback

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 767
Acuity$ 767
American Family$ 775
American Family$ 775
Country$ 765
Country$ 765
Erie$ 573
Erie$ 573
GEICO$ 376
GEICO$ 376
Nationwide$ 811
Nationwide$ 811
Plymouth Rock Insurance$ 828
Plymouth Rock Insurance$ 828
Progressive$ 631
Progressive$ 631
State Farm$ 545
State Farm$ 545
Tennessee Farmers$ 720
Tennessee Farmers$ 720
USAA$ 588
USAA$ 588
Vermont Mutual$ 684
Vermont Mutual$ 684

Compare all 2012 Subaru Outback rates

Average Cost to Insure Per Year

$ 814

List Price

$ 23295

Trims Available

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

2011 Subaru Outback

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 758
American Family$ 758
Arbella$ 821
Arbella$ 821
Country$ 732
Country$ 732
Erie$ 558
Erie$ 558
GEICO$ 362
GEICO$ 362
Nationwide$ 796
Nationwide$ 796
Plymouth Rock Insurance$ 811
Plymouth Rock Insurance$ 811
Progressive$ 611
Progressive$ 611
State Farm$ 578
State Farm$ 578
Tennessee Farmers$ 705
Tennessee Farmers$ 705
USAA$ 572
USAA$ 572
Vermont Mutual$ 647
Vermont Mutual$ 647

Compare all 2011 Subaru Outback rates

Average Cost to Insure Per Year

$ 803

List Price

$ 23195

Trims Available

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