Annual full coverage insurance costs for a Subaru Outback range from $981 to $5,197. Rates vary based on the car's model year, driver age, location, driving history, coverage level and insurer. MoneyGeek breaks down Subaru Outback insurance costs and coverage, highlighting the best and cheapest insurers.
Subaru Outback Insurance Cost
Updated: April 11, 2025
Key Takeaways
State Farm offers the most affordable minimum coverage across all Subaru Outback model years at $449 annually.
For a Subaru Outback, the average cost is $548 annually for minimum coverage and $1,197 for full coverage.
MoneyGeek analyzed data and 4,183 quotes for a Subaru Outback from Quadrant Information Services, ensuring comprehensive insights into insurance costs.
Subaru Outback Insurance Rates
What Is the Average Subaru Outback Car Insurance Cost?
For a Subaru Outback, full coverage insurance costs about $100 per month or $1,197 annually, based on a 40-year-old male with a clean driving record. Minimum coverage costs around $46 monthly or $548 yearly.
| Minimum Coverage | $548 |
| Full Coverage | $1,197 |
Read more: Average Cost of Car Insurance
Subaru Outback Insurance Costs by Company
Subaru Outback insurance costs range from $1,008 to $1,787 per year, varying by age, model year and coverage level. The table below compares average Subaru Outback insurance rates with the averages for all vehicles from several national and midsize providers.
| Allstate | $1,343 | $1,815 | -26% |
| Auto-Owners | $1,024 | $1,228 | -17% |
| Farmers | $1,477 | $1,959 | -25% |
| GEICO | $1,034 | $1,335 | -23% |
| Kemper | $1,787 | $2,215 | -19% |
| Nationwide | $1,163 | $1,592 | -27% |
| Progressive | $1,446 | $1,745 | -17% |
| State Farm | $1,008 | $1,271 | -21% |
| Travelers | $1,112 | $1,525 | -27% |
| USAA | $1,028 | $1,201 | -14% |
Read more: Best Car Insurance Companies
Cost of Insuring a Subaru Outback by Model Year
Your Subaru Outback's production year affects insurance costs, with older models typically being cheaper. For example, full coverage for a 2022 model costs about $1,319 annually compared to $1,084 for a 2009 model. Below are the average full and minimum coverage rates for each model year.
| 2022 | $552 | $1,319 |
| 2021 | $554 | $1,306 |
| 2020 | $539 | $1,293 |
| 2019 | $568 | $1,286 |
| 2018 | $574 | $1,273 |
| 2017 | $549 | $1,247 |
| 2016 | $570 | $1,221 |
| 2015 | $567 | $1,195 |
| 2014 | $543 | $1,174 |
| 2013 | $563 | $1,153 |
| 2012 | $560 | $1,132 |
| 2011 | $541 | $1,116 |
| 2010 | $566 | $1,100 |
| 2009 | $568 | $1,084 |
Subaru Outback Insurance Costs by Driver Age
Insurance rates for a Subaru Outback vary greatly depending on the driver's age. For example, 40-year-olds pay around $1,207 annually for full coverage, while 16-year-olds pay $5,197. Below are the average minimum and full coverage rates for drivers across ages.
| 16 | $2,530 | $5,197 |
| 17 | $2,055 | $4,235 |
| 18 | $1,789 | $3,723 |
| 19 | $1,275 | $2,651 |
| 20 | $1,145 | $2,410 |
| 21 | $914 | $1,949 |
| 22 | $833 | $1,791 |
| 23 | $773 | $1,672 |
| 24 | $733 | $1,591 |
| 25 | $651 | $1,423 |
| 26 | $636 | $1,386 |
| 27 | $621 | $1,356 |
| 28 | $610 | $1,335 |
| 29 | $601 | $1,316 |
| 30 | $580 | $1,269 |
| 35 | $564 | $1,230 |
| 40 | $558 | $1,207 |
| 45 | $553 | $1,192 |
| 50 | $540 | $1,156 |
| 55 | $527 | $1,126 |
| 60 | $528 | $1,122 |
| 65 | $559 | $1,161 |
| 70 | $608 | $1,243 |
| 75 | $675 | $1,363 |
| 80 | $766 | $1,518 |
| 85 | $830 | $1,629 |
| 90 | $876 | $1,706 |
Subaru Outback Insurance Rates Explained
Your car insurance rates depend on your driver profile and factors tied to your vehicle. Below is a breakdown of vehicle-related factors that may impact your premiums.
Subaru Outback Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Subaru Outback
Average Full Coverage Rate
$1,197Premiums for Subaru Outback are cheaper:$99 saved
This is 8% less expensive.
Value
The Subaru Outback’s MSRP is $44,090. Higher-priced vehicles like this typically result in higher insurance premiums.
Repair costs
The Subaru Outback's annual repair cost of $607 is below the national average. Lower repair expenses can help reduce insurance premiums.
Performance
The Subaru Outback, with 182 to 260 horsepower and a 0-to-60 time of 5.8 seconds, is a moderate-performance vehicle, which typically means moderate insurance costs.
Vehicle age
Newer Subaru Outbacks are typically more expensive to insure than older models.
Safety features
The Subaru Outback's NHTSA 5-star safety rating, along with features like stability control and airbags, can help qualify it for insurance discounts.
Vehicle size
The Subaru Outback’s curb weight of 3,946 lbs may result in slightly higher insurance costs, as larger vehicles often incur higher premiums.
Trim level
Premium upgrades in higher Subaru Outback trims lead to increased insurance costs compared to the base model.
Theft rates
Vehicles prone to theft generally cost more to insure. The Subaru Outback’s theft claims frequency of 17 could slightly increase its insurance rates.
Cheapest Subaru Outback Insurance
State Farm offers the lowest annual Subaru Outback insurance rate at $449, based on a 40-year-old male with a clean driving record. Below is a breakdown of the cheapest car insurance across coverage levels, age groups, driving records, model years and more.
Cheapest Subaru Outback Insurance by Coverage Level
The coverage level you choose greatly influences your Subaru Outback insurance rate. State Farm offers the lowest average minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest Subaru Outback Minimum Coverage
State Farm offers the cheapest minimum coverage for a Subaru Outback at $37 per month. Other affordable options include GEICO at $40, Travelers at $43 and Nationwide at $46.
| USAA | $35 | $422 |
| State Farm | $37 | $449 |
| GEICO | $40 | $479 |
| Travelers | $43 | $515 |
| Nationwide | $46 | $555 |
| Progressive | $50 | $594 |
| Farmers | $50 | $603 |
| Allstate | $52 | $625 |
*State Farm offers non-military-affiliated Subaru Outback owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Subaru Outback Insurance Rates by Model Year
Because the above list doesn't account for the model year, lower rates may be available depending on your vehicle's age. Filter the table below to find the cheapest minimum coverage rates for every Subaru Outback production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $629 | $52 |
| Farmers | $637 | $53 |
| GEICO | $502 | $42 |
| Nationwide | $579 | $48 |
| Progressive | $597 | $50 |
| State Farm | $462 | $39 |
| Travelers | $550 | $46 |
| USAA | $405 | $34 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Subaru Outback Insurance
State Farm offers the cheapest full coverage for a Subaru Outback at $981 annually or $82 monthly. Below is the complete list of full coverage car insurance providers and rates.
| State Farm | $82 | $981 |
| USAA | $83 | $998 |
| GEICO | $85 | $1,014 |
| Travelers | $92 | $1,099 |
| Nationwide | $92 | $1,104 |
| Allstate | $107 | $1,287 |
| Progressive | $114 | $1,363 |
| Farmers | $114 | $1,373 |
Cheapest Subaru Outback Insurance by Age
Young drivers (16 to 25) and seniors (55+) often face higher insurance costs for the Subaru Outback. Below is a list of the most affordable options for these age groups.
Cheapest Subaru Outback Insurance for Young Drivers
For Subaru Outback drivers aged 16 to 25, State Farm offers the most affordable insurance at $82 monthly or $980 yearly for minimum coverage. Below is the complete list of the cheapest auto insurance for Subaru drivers.
| USAA | $73 | $875 |
| State Farm | $82 | $980 |
| Travelers | $89 | $1,070 |
| GEICO | $94 | $1,133 |
| Nationwide | $118 | $1,420 |
| Allstate | $121 | $1,451 |
| Farmers | $137 | $1,642 |
| Progressive | $138 | $1,656 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Subaru Outback Insurance for Seniors
State Farm offers the cheapest car insurance for seniors 55 and up at $41 monthly or $494 annually. Check the full list of affordable Subaru Outback insurers below.
| State Farm | $41 | $494 |
| USAA | $47 | $562 |
| GEICO | $47 | $569 |
| Travelers | $52 | $620 |
| Nationwide | $54 | $650 |
| Allstate | $64 | $763 |
| Progressive | $64 | $764 |
| Farmers | $67 | $806 |
Cheapest Subaru Outback Insurance After an Accident
State Farm, Travelers and GEICO offer Subaru Outback drivers the most affordable car insurance options after an accident. See the complete list below.
| State Farm | $47 | $563 |
| USAA | $54 | $643 |
| Travelers | $60 | $722 |
| GEICO | $62 | $749 |
| Nationwide | $69 | $833 |
| Allstate | $70 | $842 |
| Progressive | $80 | $958 |
| Farmers | $100 | $1,201 |
Subaru Outback Insurance Cost: Bottom Line
Compare rates from different insurers regularly to find the cheapest car insurance. This article covers Subaru Outback insurance, including costs for different demographics and the most affordable providers.
Subaru Outback Insurance Rates: FAQ
Below are answers to common questions about Subaru Outback insurance costs, helping you understand affordable options.
What company has the cheapest car insurance for a Subaru Outback?
State Farm offers the cheapest insurance for a Subaru Outback, with an annual minimum coverage rate of $449.
What is the average cost of car insurance for a Subaru Outback?
The average annual insurance cost for a Subaru Outback is $548 for minimum coverage and $1,197 for full coverage.
Subaru Outback Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Subaru Outback insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Subaru Outback:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Subaru Outback insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Subaru Outback.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.