Insurance premiums for a Subaru Outback average $163 monthly for full coverage and $85 for minimum coverage. Depending on your particular trim and model year, costs can range from $61 to $224 monthly.
Subaru Outback Insurance Cost
Updated: February 2, 2026
Key Takeaways
GEICO offers the most affordable Subaru Outback insurance on average, though full coverage costs vary widely by model year and insurer, averaging $163 monthly nationwide. Read more
SUVs face higher premiums due to increased repair costs and theft risk, placing the Outback at 64th out of 256 SUVs for affordability in the middle tier range. Read more
Teen drivers on your policy make model year important for accurate Outback insurance quotes, as rates differ across companies and vehicle years. Read MoneyGeek's analysis of rates by company for specific Outback model years, depending on the age of the drivers
How Much Is Subaru Outback Insurance?
| Subaru Outback | $85 | $163 |
Looking for another Subaru model? Read more about the cost of Subaru car insurance models.
Model year affects Subaru Outback insurance costs. Newer models cost more to insure because of their higher fair market value. Monthly premiums range from $68 for older Outbacks to $533 for the newest models.
Costs vary by model year and insurer. Subaru Outback minimum coverage insurance costs range from $83 monthly with GEICO to $207 with UAIC. Full coverage costs range from $179 monthly with GEICO to $505 with AIG.
Outback owners should shop between insurers since minimum coverage varies by over $120 and full coverage by over $300. Insurance companies use different risk calculations for the Outback that affect your final quote.
| AAA | $96 | $199 |
| AIG | $118 | $284 |
| Allstate | $108 | $207 |
| Amica | $105 | $213 |
| Chubb | $104 | $203 |
| Farmers | $127 | $222 |
| Geico | $58 | $126 |
| Kemper | $90 | $183 |
| Nationwide | $92 | $159 |
| Progressive | $84 | $157 |
| State Farm | $72 | $150 |
| The Hartford | $101 | $172 |
| Travelers | $74 | $135 |
| UAIC | $155 | $193 |
Is Subaru Outback Expensive to Insure?
MoneyGeek's analysis of 256 SUVs shows the Subaru Outback ranking 64th for insurance affordability, with 63 vehicles costing less to insure. It costs a few dollars more monthly than a Subaru Tribeca but a few dollars less than a GMC Terrain. This middle-tier placement among SUVs reflects the vehicle's balanced insurance profile.
While middle-of-the-pack among SUVs, the Outback's 272nd position out of 827 total vehicles puts it in the top third for overall affordability. For perspective, the Isuzu Amigo claims the cheapest SUV spot while the Audi SQ8 e-tron commands the highest premiums in the category.
| Nissan Armada | $123 | 61 |
| GMC Yukon XL | $123 | 62 |
| Subaru Tribeca | $124 | 63 |
| Subaru Outback | $124 | 64 |
| GMC Terrain | $124 | 65 |
| Nissan Pathfinder | $124 | 66 |
| BMW X3 | $124 | 67 |
Several factors affect what you'll pay for Subaru Outback insurance:
- Average Repair or Replacement Costs: The Outback's $824 annual repair costs make it the 5th most expensive Subaru model to maintain out of 10. While not the cheapest option, these moderate maintenance expenses help keep insurance premiums reasonable.
- Vehicle Trim, Features and Accessories: Higher-performance trims cost more to insure due to increased horsepower capabilities. The Outback's power ranges from 182 to 260 horsepower, depending on your trim selection, with more powerful variants leading to higher premiums.
- Driver Profile: Most Outback drivers fall into the 45 to 55 age range, which results in lower insurance rates due to responsible driving habits. However, the vehicle's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Subaru Outbacks for young drivers.
Subaru Outback Costs by Model Year and Driver Age by Insurance Company
A 2016 Subaru Outback costs just $96 monthly to insure for drivers aged 35 to 55, while a 2025 model jumps to $223 per month for the same coverage. Insurance costs for your Subaru Outback may change greatly depending on your model year and the age of the drivers on your policy. Newer car models tend to be much more expensive than older models, and young drivers in their teens and early twenties will pay much more to insure.
GEICO is the cheapest insurer across all model years.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Subaru Outback
| Geico | $71 | $155 |
| National General | $78 | $159 |
| Nationwide | $85 | $148 |
| Travelers | $87 | $159 |
| Progressive | $95 | $177 |
| State Farm | $97 | $201 |
| Kemper | $112 | $229 |
| Amica | $122 | $250 |
| AAA | $122 | $254 |
| Allstate | $125 | $241 |
| Chubb | $130 | $255 |
| The Hartford | $136 | $232 |
| AIG | $145 | $357 |
| Farmers | $173 | $304 |
| UAIC | $179 | $224 |
2025 Subaru Outback Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $671 | $612 | $564 | $478 | $404 | $262 | $243 | $227 | $214 | $192 |
| State Farm | $756 | $665 | $589 | $508 | $449 | $381 | $347 | $310 | $283 | $249 |
| Geico | $881 | $642 | $540 | $392 | $337 | $272 | $251 | $207 | $196 | $178 |
| Travelers | $965 | $690 | $543 | $418 | $368 | $271 | $247 | $228 | $211 | $183 |
| Allstate | $1,153 | $902 | $726 | $537 | $481 | $374 | $340 | $321 | $302 | $267 |
| Progressive | $1,281 | $1,036 | $860 | $479 | $418 | $337 | $301 | $268 | $247 | $212 |
| Farmers | $1,888 | $1,402 | $1,247 | $780 | $736 | $562 | $500 | $478 | $454 | $381 |
Cost of Car Insurance for 2024 Subaru Outback
| Geico | $69 | $150 |
| National General | $75 | $154 |
| Nationwide | $82 | $143 |
| Travelers | $84 | $154 |
| Progressive | $92 | $171 |
| State Farm | $94 | $195 |
| Kemper | $108 | $222 |
| Amica | $118 | $242 |
| AAA | $119 | $246 |
| Allstate | $121 | $233 |
| Chubb | $126 | $247 |
| The Hartford | $132 | $225 |
| AIG | $140 | $345 |
| Farmers | $167 | $294 |
| UAIC | $173 | $217 |
2024 Subaru Outback Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $649 | $593 | $546 | $463 | $391 | $254 | $235 | $220 | $208 | $186 |
| State Farm | $732 | $644 | $570 | $492 | $435 | $369 | $336 | $300 | $274 | $241 |
| Geico | $853 | $622 | $523 | $379 | $326 | $264 | $243 | $201 | $190 | $172 |
| Travelers | $934 | $668 | $526 | $404 | $356 | $263 | $239 | $221 | $204 | $177 |
| Allstate | $1,117 | $873 | $703 | $520 | $465 | $362 | $329 | $310 | $292 | $259 |
| Progressive | $1,240 | $1,003 | $832 | $463 | $405 | $326 | $291 | $260 | $239 | $205 |
| Farmers | $1,828 | $1,357 | $1,207 | $755 | $713 | $544 | $484 | $463 | $439 | $369 |
Cost of Car Insurance for 2023 Subaru Outback
| Geico | $58 | $126 |
| National General | $63 | $129 |
| Nationwide | $69 | $119 |
| Travelers | $70 | $129 |
| Progressive | $77 | $143 |
| State Farm | $78 | $163 |
| Kemper | $91 | $186 |
| Amica | $99 | $202 |
| AAA | $99 | $205 |
| Allstate | $101 | $195 |
| Chubb | $105 | $206 |
| The Hartford | $110 | $188 |
| AIG | $117 | $289 |
| Farmers | $140 | $246 |
| UAIC | $145 | $182 |
2023 Subaru Outback Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $543 | $496 | $456 | $387 | $327 | $212 | $197 | $184 | $174 | $155 |
| State Farm | $612 | $539 | $477 | $412 | $363 | $309 | $281 | $251 | $229 | $202 |
| Geico | $713 | $520 | $437 | $317 | $273 | $220 | $203 | $168 | $159 | $144 |
| Travelers | $781 | $558 | $439 | $338 | $298 | $220 | $200 | $185 | $170 | $148 |
| Allstate | $934 | $730 | $588 | $435 | $389 | $303 | $275 | $260 | $245 | $216 |
| Progressive | $1,037 | $838 | $696 | $387 | $338 | $273 | $243 | $217 | $200 | $172 |
| Farmers | $1,528 | $1,135 | $1,009 | $631 | $596 | $455 | $404 | $387 | $367 | $309 |
Cost of Car Insurance for 2022 Subaru Outback
| Geico | $73 | $159 |
| National General | $75 | $155 |
| Travelers | $92 | $168 |
| State Farm | $100 | $208 |
| Progressive | $101 | $188 |
| Nationwide | $115 | $199 |
| Chubb | $118 | $230 |
| Amica | $123 | $251 |
| AAA | $124 | $256 |
| Kemper | $135 | $276 |
| Allstate | $136 | $260 |
| The Hartford | $142 | $242 |
| AIG | $149 | $364 |
| Farmers | $172 | $301 |
| UAIC | $195 | $243 |
2022 Subaru Outback Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $783 | $689 | $610 | $526 | $465 | $395 | $359 | $321 | $293 | $258 |
| Geico | $898 | $654 | $550 | $398 | $344 | $277 | $255 | $212 | $200 | $182 |
| Nationwide | $905 | $828 | $762 | $647 | $547 | $354 | $328 | $306 | $289 | $259 |
| Travelers | $1,017 | $726 | $571 | $440 | $387 | $286 | $261 | $240 | $222 | $193 |
| Allstate | $1,258 | $983 | $790 | $581 | $520 | $406 | $368 | $347 | $327 | $289 |
| Progressive | $1,363 | $1,100 | $912 | $509 | $444 | $358 | $319 | $285 | $263 | $226 |
| Farmers | $1,855 | $1,378 | $1,227 | $771 | $728 | $555 | $494 | $473 | $449 | $378 |
Cost of Car Insurance for 2021 Subaru Outback
| Geico | $66 | $144 |
| National General | $68 | $140 |
| Travelers | $83 | $152 |
| State Farm | $91 | $188 |
| Progressive | $91 | $170 |
| Nationwide | $104 | $180 |
| Chubb | $107 | $208 |
| Amica | $111 | $227 |
| AAA | $112 | $232 |
| Kemper | $122 | $250 |
| Allstate | $123 | $236 |
| The Hartford | $129 | $219 |
| AIG | $135 | $329 |
| Farmers | $155 | $272 |
| UAIC | $176 | $220 |
2021 Subaru Outback Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $708 | $623 | $552 | $476 | $421 | $357 | $325 | $290 | $265 | $233 |
| Geico | $813 | $592 | $497 | $361 | $311 | $251 | $231 | $191 | $181 | $165 |
| Nationwide | $819 | $749 | $690 | $585 | $495 | $320 | $297 | $277 | $262 | $234 |
| Travelers | $920 | $657 | $517 | $398 | $350 | $259 | $236 | $217 | $201 | $175 |
| Allstate | $1,138 | $890 | $714 | $526 | $471 | $367 | $333 | $314 | $296 | $262 |
| Progressive | $1,233 | $995 | $825 | $460 | $402 | $324 | $289 | $258 | $238 | $204 |
| Farmers | $1,679 | $1,247 | $1,110 | $697 | $659 | $503 | $447 | $428 | $406 | $342 |
Cost of Car Insurance for 2020 Subaru Outback
| Geico | $60 | $130 |
| National General | $62 | $127 |
| Travelers | $75 | $138 |
| State Farm | $82 | $171 |
| Progressive | $83 | $154 |
| Nationwide | $94 | $163 |
| Chubb | $97 | $189 |
| Amica | $101 | $206 |
| AAA | $102 | $210 |
| Kemper | $111 | $227 |
| Allstate | $111 | $214 |
| The Hartford | $117 | $199 |
| AIG | $122 | $298 |
| Farmers | $141 | $247 |
| UAIC | $160 | $199 |
2020 Subaru Outback Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $643 | $566 | $501 | $432 | $382 | $324 | $295 | $263 | $241 | $212 |
| Geico | $737 | $537 | $451 | $327 | $282 | $228 | $210 | $174 | $164 | $149 |
| Nationwide | $743 | $680 | $626 | $531 | $449 | $290 | $269 | $251 | $237 | $212 |
| Travelers | $835 | $596 | $469 | $361 | $317 | $235 | $214 | $197 | $182 | $159 |
| Allstate | $1,033 | $807 | $648 | $477 | $427 | $333 | $302 | $285 | $268 | $238 |
| Progressive | $1,119 | $903 | $748 | $417 | $364 | $294 | $262 | $234 | $216 | $185 |
| Farmers | $1,523 | $1,132 | $1,007 | $633 | $598 | $456 | $405 | $388 | $369 | $310 |
Cost of Car Insurance for 2019 Subaru Outback
| Geico | $51 | $111 |
| National General | $52 | $108 |
| Travelers | $64 | $117 |
| State Farm | $70 | $145 |
| Progressive | $70 | $131 |
| Nationwide | $80 | $138 |
| Chubb | $82 | $160 |
| Amica | $85 | $175 |
| AAA | $86 | $178 |
| Kemper | $94 | $192 |
| Allstate | $94 | $181 |
| The Hartford | $99 | $169 |
| AIG | $104 | $253 |
| Farmers | $119 | $210 |
| UAIC | $136 | $169 |
2019 Subaru Outback Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $545 | $480 | $424 | $366 | $323 | $275 | $250 | $223 | $204 | $180 |
| Geico | $625 | $455 | $383 | $277 | $239 | $193 | $178 | $147 | $139 | $127 |
| Nationwide | $630 | $576 | $531 | $450 | $380 | $246 | $228 | $213 | $201 | $180 |
| Travelers | $708 | $505 | $398 | $306 | $269 | $199 | $181 | $167 | $154 | $134 |
| Allstate | $876 | $684 | $549 | $404 | $362 | $282 | $256 | $242 | $228 | $201 |
| Progressive | $949 | $765 | $634 | $354 | $309 | $249 | $222 | $199 | $183 | $157 |
| Farmers | $1,291 | $959 | $854 | $537 | $507 | $387 | $344 | $329 | $313 | $263 |
Cost of Car Insurance for 2018 Subaru Outback
| Geico | $43 | $93 |
| National General | $44 | $90 |
| Travelers | $54 | $98 |
| State Farm | $59 | $122 |
| Progressive | $59 | $110 |
| Nationwide | $67 | $116 |
| Chubb | $69 | $135 |
| Amica | $72 | $147 |
| AAA | $73 | $150 |
| Kemper | $79 | $162 |
| Allstate | $79 | $152 |
| The Hartford | $83 | $142 |
| AIG | $87 | $213 |
| Farmers | $100 | $176 |
| UAIC | $114 | $142 |
2018 Subaru Outback Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $458 | $403 | $357 | $308 | $272 | $231 | $210 | $188 | $172 | $151 |
| Geico | $526 | $383 | $322 | $233 | $201 | $162 | $149 | $124 | $117 | $106 |
| Nationwide | $530 | $485 | $446 | $379 | $320 | $207 | $192 | $179 | $169 | $152 |
| Travelers | $595 | $425 | $334 | $257 | $226 | $167 | $153 | $141 | $130 | $113 |
| Allstate | $736 | $575 | $462 | $340 | $305 | $237 | $216 | $203 | $191 | $169 |
| Progressive | $798 | $644 | $534 | $298 | $260 | $210 | $187 | $167 | $154 | $132 |
| Farmers | $1,086 | $807 | $718 | $451 | $426 | $325 | $289 | $277 | $263 | $221 |
Cost of Car Insurance for 2017 Subaru Outback
| Geico | $37 | $80 |
| National General | $38 | $78 |
| Travelers | $46 | $85 |
| State Farm | $51 | $106 |
| Progressive | $51 | $95 |
| Nationwide | $58 | $101 |
| Chubb | $60 | $117 |
| Amica | $62 | $127 |
| AAA | $63 | $130 |
| Kemper | $68 | $140 |
| Allstate | $69 | $132 |
| The Hartford | $72 | $123 |
| AIG | $75 | $184 |
| Farmers | $87 | $153 |
| UAIC | $99 | $123 |
2017 Subaru Outback Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $397 | $349 | $309 | $267 | $236 | $200 | $182 | $162 | $149 | $131 |
| Geico | $455 | $331 | $279 | $202 | $174 | $141 | $129 | $107 | $101 | $92 |
| Nationwide | $459 | $420 | $386 | $328 | $277 | $179 | $166 | $155 | $147 | $131 |
| Travelers | $516 | $368 | $289 | $223 | $196 | $145 | $132 | $122 | $112 | $98 |
| Allstate | $638 | $498 | $400 | $295 | $264 | $206 | $187 | $176 | $166 | $147 |
| Progressive | $691 | $557 | $462 | $258 | $225 | $182 | $162 | $145 | $133 | $114 |
| Farmers | $940 | $699 | $622 | $391 | $369 | $282 | $250 | $240 | $228 | $191 |
Cost of Car Insurance for 2016 Subaru Outback
| Geico | $30 | $65 |
| National General | $31 | $64 |
| Travelers | $38 | $69 |
| State Farm | $41 | $86 |
| Progressive | $42 | $77 |
| Nationwide | $47 | $82 |
| Chubb | $49 | $95 |
| Amica | $51 | $103 |
| AAA | $51 | $106 |
| Kemper | $56 | $114 |
| Allstate | $56 | $107 |
| The Hartford | $59 | $100 |
| AIG | $61 | $150 |
| Farmers | $71 | $124 |
| UAIC | $80 | $100 |
2016 Subaru Outback Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $323 | $284 | $251 | $217 | $192 | $163 | $148 | $132 | $121 | $106 |
| Geico | $370 | $269 | $226 | $164 | $142 | $114 | $105 | $87 | $82 | $75 |
| Nationwide | $373 | $341 | $314 | $267 | $225 | $146 | $135 | $126 | $119 | $107 |
| Travelers | $419 | $299 | $235 | $181 | $159 | $118 | $107 | $99 | $91 | $80 |
| Allstate | $518 | $405 | $325 | $239 | $214 | $167 | $152 | $143 | $135 | $119 |
| Progressive | $562 | $453 | $376 | $210 | $183 | $148 | $132 | $118 | $108 | $93 |
| Farmers | $764 | $568 | $506 | $318 | $300 | $229 | $203 | $195 | $185 | $156 |
Subaru Outback Insurance Cost by Trim
Insurance costs for your Subaru Outback vary by trim, from $61 monthly for minimum coverage on basic Limited Sedan 4d models to $224 for full coverage on high-performance Touring Xt variants. Performance features, market value, and rarity determine where each trim falls in this range.
| Limited Sedan 4d | $61 | $117 |
| Ll Bean Wagon 4d | $62 | $120 |
| Sedan 4d | $65 | $125 |
| H6 Wagon 4d | $65 | $125 |
| 2.5i Touring Wagon 4d | $68 | $131 |
| Wagon 4d | $70 | $135 |
| Ll Bean Edition Wagon 4d | $71 | $137 |
| Vdc Wagon 4d | $73 | $140 |
| 3.6r Touring Wagon 4d | $73 | $142 |
| H6 Sedan 4d | $74 | $142 |
| Vdc Sedan 4d | $75 | $143 |
| 2.5i Wagon 4d | $77 | $148 |
| 2.5i Premium Wagon 4d | $78 | $149 |
| H6 35th Anniversary Wagon 4d | $78 | $151 |
| Limited Wagon 4d | $79 | $153 |
| 3.6r Limited Wagon 4d | $79 | $153 |
| Outback | $79 | $154 |
| 3.6r Premium Wagon 4d | $80 | $153 |
| 3.6r Wagon 4d | $80 | $155 |
| Onyx Edition Wagon 4d | $81 | $158 |
| H6 Ll Bean Edition Wagon 4d | $82 | $157 |
| 2.5i Limited Wagon 4d | $84 | $161 |
| Premium | $85 | $165 |
| H6 Vdc Sedan 4d | $85 | $164 |
| H6 Vdc Wagon 4d | $86 | $165 |
| 2.5i Basic Wagon 4d | $86 | $165 |
| 3.0 R Sedan 4d | $89 | $171 |
| Premium Wagon 4d | $89 | $173 |
| 3.0 R Ll Bean Edition Wagon 4d | $92 | $177 |
| 2.5 Xt Wagon 4d | $93 | $179 |
| Basic Wagon 4d | $93 | $180 |
| Limited Xt Wagon 4d | $97 | $188 |
| Onyx Edition Xt Wagon 4d | $97 | $188 |
| Onyx Edition | $98 | $190 |
| 2.5 Xt Limited Wagon 4d | $99 | $191 |
| Touring Wagon 4d | $100 | $193 |
| Limited | $100 | $194 |
| 2.5i Limited Sedan 4d | $100 | $192 |
| Touring Xt Wagon 4d | $100 | $194 |
| 3.0 R Vdc Limited Wagon 4d | $101 | $194 |
| 3.0 R Wagon 4d | $102 | $196 |
| Wilderness Wagon 4d | $103 | $200 |
| 3.0 R Ll Bean Edition Sedan 4d | $103 | $199 |
| 3.0 R Limited Wagon 4d | $105 | $203 |
| Onyx Edition Xt | $106 | $206 |
| Wilderness | $108 | $210 |
| Limited Xt | $108 | $210 |
| Touring | $109 | $212 |
| Touring Xt | $115 | $224 |
Subaru Outback Insurance Cost by State
Car insurance for a Subaru Outback costs anywhere from $31 per month in Wyoming to $168 in Louisiana for minimum coverage, depending on where you're located. Your state's risk factors and insurance regulations create these price differences, not the vehicle itself.
| Alabama | $69 | $130 |
| Alaska | $59 | $126 |
| Arizona | $98 | $183 |
| Arkansas | $65 | $146 |
| California | $82 | $165 |
| Colorado | $78 | $187 |
| Connecticut | $117 | $201 |
| Delaware | $117 | $197 |
| Florida | $107 | $245 |
| Georgia | $125 | $205 |
| Hawaii | $43 | $98 |
| Idaho | $45 | $91 |
| Illinois | $77 | $143 |
| Indiana | $54 | $106 |
| Iowa | $45 | $108 |
| Kansas | $59 | $137 |
| Kentucky | $107 | $180 |
| Louisiana | $168 | $355 |
| Maine | $42 | $87 |
| Maryland | $128 | $215 |
| Massachusetts | $85 | $180 |
| Michigan | $121 | $233 |
| Minnesota | $68 | $139 |
| Mississippi | $72 | $144 |
| Missouri | $101 | $200 |
| Montana | $59 | $140 |
| Nebraska | $61 | $138 |
| Nevada | $147 | $266 |
| New Hampshire | $57 | $101 |
| New Jersey | $139 | $229 |
| New Mexico | $68 | $151 |
| New York | $100 | $181 |
| North Carolina | $66 | $130 |
| North Dakota | $48 | $105 |
| Ohio | $62 | $120 |
| Oklahoma | $75 | $166 |
| Oregon | $100 | $176 |
| Pennsylvania | $71 | $164 |
| Rhode Island | $104 | $185 |
| South Carolina | $85 | $159 |
| South Dakota | $43 | $129 |
| Tennessee | $64 | $129 |
| Texas | $106 | $217 |
| Utah | $91 | $155 |
| Vermont | $36 | $85 |
| Virginia | $79 | $129 |
| Washington | $76 | $140 |
| West Virginia | $73 | $148 |
| Wisconsin | $52 | $115 |
| Wyoming | $31 | $95 |
How to Lower the Cost of Subaru Outback Insurance
We've compiled proven strategies to help you find affordable Subaru Outback insurance rates:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Subaru Outback. If you own your vehicle, get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for crossover SUVs. This benchmark assists with shopping for the cheapest car insurance companies with competitive rates. Understanding typical pricing helps you identify genuine deals versus inflated quotes when comparing options.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might offer limited coverage or slower service that could cost more during claims.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Subaru Outback owners often get safety features discounts, good driver discounts, multi-vehicle savings and bundling discounts. Anti-theft device discounts and defensive driving course credits can also reduce your premiums when combined with other available savings opportunities.
- 5Consider alternative car insurance types
Subaru Outback owners might benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise that track safe driving and deliver premium reductions. These telematics programs monitor driving habits like braking, acceleration and mileage to reward safe drivers with personalized discounts based on actual driving behavior.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Subaru Outback insurance. Rate changes happen frequently, and switching insurers when you find better deals keeps your costs competitive over time.
Subaru Outback Insurance Cost: Bottom Line
Subaru Outback insurance costs less than average, making it an affordable choice for most drivers. You'll secure even better rates by comparing quotes from multiple insurers and maximizing available discounts.
Subaru Outback Insurance Rates: FAQ
What is the average cost of car insurance for a Subaru Outback?
Insurance for a Subaru Outback costs $1,015 annually for state minimum coverage and $1,958 yearly for full coverage. These rates make the Outback relatively affordable to insure compared to national averages.
What company has the cheapest car insurance for a Subaru Outback?
Geico provides the most affordable auto insurance for Subaru Outback drivers at $701 annually for minimum coverage. The company also offers the best value for full coverage at $1,515 per year.
Are Subaru Outbacks expensive to insure?
No, Subaru Outback insurance is not expensive compared to most vehicles. Among SUVs specifically, this model places 64th out of 256 for affordability, ranking in the more affordable half of its category.
What factors affect insurance costs for Subaru Outbacks?
Multiple factors affect Subaru Outback insurance rates. The vehicle's excellent safety ratings help reduce premiums, while moderate theft rates keep risk lower for insurers. However, all-wheel drive systems can increase repair costs. Your personal driving record, credit score, and chosen coverage levels impact your final premium costs.
How can I lower Subaru Outback insurance costs?
Compare quotes from several insurers since Subaru Outback pricing differs between companies, and explore usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Subaru Outback Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Subaru Outback insurance costs.
Who We Based These Rates On
These Subaru Outback prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.