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Key takeaways:
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.
Table of Contents
The average auto insurance rates for a Subaru Outback cost $1,378 a year or $115 a month.
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.
The Subaru Outback trim and model you choose can impact the total price you will pay for Subaru Outback auto insurance coverage.
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 |
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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
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:
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 | |
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.
If you want to reduce the cost of your Subaru Outback insurance rates, follow these tips below:
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 | |||
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.
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