Updated: October 25, 2024
Advertising & Editorial Disclosure
A driver's age significantly affects Subaru Outback insurance rates. For instance, a 16-year-old driver will spend an average of $4,952 per year for a 2009 model, whereas a 40-year-old will pay an average of $1,083 per year. Similarly, for a 2022 model, 16-year-olds pay $5,853 per year, while 40-year-olds spend an annual $1,309.
If a balance between affordability and quality customer service is a priority for you, MoneyGeek rated the best car insurance companies for the Subaru Outback.
Car Insurance CostsSubaru OutbackTable of Contents
Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Subaru Outback.
These rates were updated to reflect the average cost of car insurance for a Subaru Outback as of 2023.
The Subaru Outback has an average yearly insurance cost of $1,203, but your actual rate may vary between insurance providers. Based on our analysis, State Farm is the cheapest car insurance company for full coverage at $977 per year, whereas Farmers is the most expensive, charging $1,396 per year.
State Farm offers the most affordable minimum coverage policy at $449 per year. Farmers provides the highest rate at $633 per year.
| State Farm | $977 |
| GEICO | $1,024 |
| Travelers | $1,075 |
| Nationwide | $1,103 |
| Allstate | $1,283 |
| Progressive | $1,371 |
| Farmers | $1,396 |
The Subaru Outback is a mid-size SUV that’s relatively cheap to insure. With an MSRP of $28,120 for 2022 models, it is also more affordable than luxury or expensive models. Insurance companies often charge less to cover a Subaru Outback because of its low horsepower and value. This means the vehicle is less likely to get into major accidents; if it does, it won’t be that expensive to repair.
Though cost is an important consideration when shopping for car insurance, evaluating a provider's customer service and ability to handle claims effectively is equally important. Based on our study, the following companies offer the best car insurance options for a Subaru Outback:
State Farm outranked six other insurers in our comparison group because it provides the highest quality service at the most affordable price. You can expect affordable premiums and excellent customer service by choosing State Farm.
Offers the lowest average rate at $977 per year
Excellent customer satisfaction rating
Doesn’t provide gap insurance or original equipment manufacturer (OEM) coverage
Poor claims handling score
Our top choice for the best Subaru Outback insurance is State Farm because it offers the highest quality service at the cheapest average rate of $977 per year. It's worth noting, however, that the provider has limited options for add-on coverages.
In emergencies on the road, its roadside assistance can help cover the costs of towing, mechanical labor and locksmith services. It also provides coverage for gas, oil, battery deliveries and tire changes if you find yourself stranded. If your Subaru Outback is undergoing repairs after a covered loss, State Farm's rental car and travel reimbursement coverage can cover the rental costs within certain limits and up to $500 for travel expenses, including food and lodging.
Charges the second-cheapest annual rate at $1,024
Above-average customer satisfaction score
Offers unique add-on coverages like mechanical breakdown insurance (MBI)
Does not provide original equipment manufacturer (OEM) coverage
Low claims management rating
GEICO is the second-best option for Subaru Outback insurance. The company also stands out for balancing affordable premiums with quality customer service in addition to offering valuable add-on coverages like mechanical breakdown insurance (MBI).
Adding GEICO’s MBI to your policy guarantees you better coverage at a lower price than typical dealer-extended warranties. This comprehensive coverage extends to all parts and systems of your Subaru Outback. Your vehicle must be less than 15 months old and have fewer than 15,000 miles to qualify for MBI.
The insurer also offers accident forgiveness, which helps prevent a rate increase following your first at-fault accident. You can purchase this coverage or earn it by driving for five years or more without an accident. It’s worth noting that this coverage is unavailable in some states, including California, Connecticut and Massachusetts.
A vehicle's age plays a significant role in its average cost of car insurance. For example, a Subaru Outback released in 2022 costs $1,309 per year to insure, whereas a 2009 model only costs around $1,083 per year. A newer model can drive up your insurance rates because its value has yet to depreciate.
| 2022 | $1,309 |
| 2021 | $1,286 |
| 2020 | $1,247 |
| 2019 | $1,257 |
| 2018 | $1,245 |
| 2017 | $1,194 |
| 2016 | $1,193 |
| 2015 | $1,170 |
| 2014 | $1,125 |
| 2013 | $1,130 |
| 2012 | $1,112 |
| 2011 | $1,077 |
| 2010 | $1,092 |
| 2009 | $1,083 |
Aside from your car's age, insurance rates can also depend on the provider you purchase your policy from. State Farm is the cheapest insurance company for a 2009 Subaru Outback, with full coverage policies averaging $894 per year. Nationwide is the least expensive option for 2022 models at an annual rate of $1,049 for the same coverage level.
| Nationwide | $1,049 |
| State Farm | $1,089 |
| GEICO | $1,127 |
| Travelers | $1,167 |
| Progressive | $1,491 |
| Farmers | $1,584 |
| Allstate | $1,629 |
Car insurance for teens is much more expensive than policies for those in their 30s and 40s because younger drivers lack experience on the road. A 16-year-old will spend roughly $5,347 per year to insure a Subaru Outback, whereas a 40-year-old will only pay about $1,180 per year. Fortunately, rates for teens tend to decrease as they age and stabilize in their 20s.
The best way to find the cheapest car insurance provider is to compare quotes. For full coverage, State Farm offers the lowest average rate for a 16-year-old driving a 2022 Subaru Outback at $3,452 per year. Progressive's policy is the most expensive, costing $7,895 annually.
These rates are for individual teen policies. Adding a teenager to an existing family policy makes more sense because it can save you thousands of dollars each year on premiums.
| State Farm | $3,452 |
| Nationwide | $3,972 |
| Travelers | $4,536 |
| GEICO | $5,229 |
| Allstate | $7,539 |
| Farmers | $7,878 |
| Progressive | $7,895 |
Your location can also influence the cost of your car insurance. Idaho offers the lowest car insurance rates, with an average of $299 per year, while Florida has the highest rates, averaging around $1,058 annually. When shopping for Subaru Outback insurance, we recommend obtaining quotes from multiple providers to ensure you find the most affordable options available in your state.
| Alabama | Nationwide | $709 | $59 |
| Alaska | State Farm | $699 | $58 |
| Arizona | Root Insurance Company | $682 | $57 |
| Arkansas | State Farm | $629 | $52 |
| California | AAA California | $1,001 | $83 |
| Colorado | American National P&C | $541 | $45 |
| Connecticut | GEICO | $693 | $58 |
| Delaware | State Farm | $881 | $73 |
| District of Columbia | GEICO | $662 | $55 |
| Florida | State Farm | $1,058 | $88 |
| Georgia | Country Financial | $665 | $55 |
| Hawaii | GEICO | $565 | $47 |
| Idaho | American National P&C | $299 | $25 |
| Illinois | Country Financial | $663 | $55 |
| Indiana | American Family | $555 | $46 |
| Iowa | State Farm | $509 | $42 |
| Kansas | Nationwide | $670 | $56 |
| Kentucky | Nationwide | $790 | $66 |
| Louisiana | Louisiana Farm Bureau | $1,048 | $87 |
| Maine | Concord Group | $521 | $43 |
| Maryland | Progressive | $938 | $78 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $898 | $75 |
| Minnesota | State Farm | $797 | $66 |
| Mississippi | Direct General Insurance | $723 | $60 |
| Missouri | Nationwide | $909 | $76 |
| Montana | Progressive | $437 | $36 |
| Nebraska | American National P&C | $405 | $34 |
| Nevada | CSAA | $940 | $78 |
| New Hampshire | State Farm | $540 | $45 |
| New Jersey | Plymouth Rock Assurance | $895 | $75 |
| New Mexico | State Farm | $644 | $54 |
| New York | Kemper | $781 | $65 |
| North Carolina | Erie | $630 | $52 |
| North Dakota | American Family | $616 | $51 |
| Ohio | Nationwide | $485 | $40 |
| Oklahoma | State Farm | $662 | $55 |
| Oregon | State Farm | $706 | $59 |
| Pennsylvania | Nationwide | $580 | $48 |
| Rhode Island | State Farm | $700 | $58 |
| South Carolina | American National P&C | $463 | $39 |
| South Dakota | Allstate | $746 | $62 |
| Tennessee | State Farm | $579 | $48 |
| Texas | State Farm | $699 | $58 |
| Utah | Nationwide | $725 | $60 |
| Vermont | State Farm | $493 | $41 |
| Virginia | American Family | $601 | $50 |
| Washington | PEMCO | $534 | $44 |
| West Virginia | Erie | $784 | $65 |
| Wisconsin | GEICO | $556 | $46 |
| Wyoming | State Farm | $745 | $62 |
You may have concerns and inquiries about affordability and service quality while shopping for Subaru Outback insurance. We've answered some commonly asked questions to assist in your search.
Insurance for the Subaru Outback costs $1,203 per year. State Farm offers the cheapest full coverage policy at around $977 per year, which is $226 cheaper than the overall average. Nonetheless, the rate you'll actually pay will vary based on your age, the model year of your Outback and where you live.
State Farm is MoneyGeek's top pick for the best Subaru Outback insurance provider. The company earned a MoneyGeek score of 90 out of 100, with above-average ratings in both affordability and customer satisfaction. While Farmers received a better satisfaction score, and GEICO only slightly underperformed in both categories, State Farm distinguishes itself with its unbeatable rates.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
