Subaru Outback Car Insurance Cost 2025
On average, insuring a Subaru Outback costs around $1,250 per year. However, your actual premium may differ depending on factors like your age, the model year of your vehicle, location, driving history, and more. To get a better idea of what you might pay, check out the quote tables below for personalized estimates.
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Insuring a Subaru Outback typically costs around $1,250 per year or about $105 per month, depending on factors like your location, driving history, and coverage level. Known for its safety features and reliability, the Outback often qualifies for lower insurance premiums compared to similar SUVs.
Drivers with clean records and good credit may see even better rates, while younger drivers or those with past claims might pay more. Whether you’re commuting daily or heading off-road, understanding what affects your Subaru Outback’s insurance cost can help you make smarter choices and potentially save hundreds annually on your policy.
How Much Does Subaru Outback Car Insurance Cost?
On average, Subaru Outback owners can expect to pay about $1,250 per year for car insurance.
It’s important to understand that car insurance costs can vary widely based on several factors. These include your location, driving history, the model year of your vehicle, and the type of coverage you choose. Drivers with a clean record generally pay lower premiums, while those with past accidents or traffic violations may see higher rates.
Living in a busy city with heavy traffic can also increase your insurance costs compared to residing in a rural area. Additionally, the coverage level you select makes a big difference—full coverage, which includes both collision and comprehensive protection, tends to cost more than basic liability coverage.
As shown in the table below, insuring a Subaru Outback is more affordable than the average cost for all Subaru models, and it’s also lower than the overall average for all vehicles.
To help you find the most competitive rates, Insuranceopedia offers tools to compare quotes from a variety of insurance providers—making it easier to find a policy that fits both your budget and needs.
| Vehicle | Average Monthly Premium |
| Subaru Outback | $132 |
| All Subarus | $159 |
| All Cars | $175 |
Average Insurance Cost Of Subaru Outback By Model Year
| Model Year | Average Premium |
| 2025 Subaru Outback | $1,206 |
| 2024 Subaru Outback | $957 |
| 2023 Subaru Outback | $697 |
| 2022 Subaru Outback | $608 |
| 2021 Subaru Outback | $591 |
| 2020 Subaru Outback | $629 |
| 2019 Subaru Outback | $620 |
| 2018 Subaru Outback | $594 |
| 2017 Subaru Outback | $699 |
| 2016 Subaru Outback | $502 |
| 2015 Subaru Outback | $544 |
| 2014 Subaru Outback | $429 |
| 2013 Subaru Outback | $418 |
| 2012 Subaru Outback | $464 |
| 2011 Subaru Outback | $626 |
| 2010 Subaru Outback | $514 |
2025 Subaru Outback Insurance Rates
The average annual insurance cost for a 2025 Subaru Outback is $1,206. However, USAA offers the cheapest rates, averaging $1,019 per year.
| Insurance Provider | Average Annual Cost |
| GEICO | $1,083 |
| Nationwide | $1,141 |
| USAA* | $1,019 |
| State Farm | $1,048 |
| Progressive | $1,298 |
| Travelers | $1,093 |
| Allstate | $1,251 |
| Farmers | $1,372 |
| Auto-Owners | $1,075 |
| Kemper | $1,676 |
2024 Subaru Outback Insurance Rates
The average annual insurance cost for a 2024 Subaru Outback is $957. However, National General offers the cheapest rates, averaging $402 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $649 |
| Farm Bureau Ins of MI | $1,399 |
| PEMCO | $1,099 |
| Erie | $1,073 |
| National General | $402 |
| Safeco | $726 |
| Texas Farm Bureau Group | $655 |
| USAA | $1,161 |
| 21st Century | $1,283 |
| Capital Insurance Group | $1,123 |
2023 Subaru Outback Insurance Rates
The average annual insurance cost for a 2023 Subaru Outback is $697. However, Victoria offers the cheapest rates, averaging $153 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $647 |
| PEMCO | $932 |
| New Jersey Manufacturers | $853 |
| Atlantic States Insurance | $786 |
| Victoria | $153 |
| Safeco | $790 |
| Mercury Insurance | $256 |
| Country | $814 |
| Capital Insurance Group | $944 |
| Buckeye Insurance Group | $798 |
2022 Subaru Outback Insurance Rates
The average annual insurance cost for a 2022 Subaru Outback is $608. However, National General offers the cheapest rates, averaging $351 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $423 |
| North Carolina Farm Bureau | $771 |
| Clearcover | $761 |
| Pekin Insurance | $640 |
| National General | $351 |
| Virginia Farm Bureau | $561 |
| National General Value | $361 |
| Tennessee Farmers | $748 |
| Mercury Insurance | $757 |
| Buckeye Insurance Group | $707 |
2021 Subaru Outback Insurance Rates
The average annual insurance cost for a 2021 Subaru Outback is $591. However, Victoria offers the cheapest rates, averaging $256 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $476 |
| Colorado Farm Bureau Mutual | $771 |
| Rural Mutual Insurance | $743 |
| Plymouth Rock Assurance | $669 |
| National General | $309 |
| Wolverine Mutual | $570 |
| Victoria | $256 |
| West Bend Mutual | $749 |
| MMG Insurance Company | $739 |
| Pekin Insurance | $630 |
2020 Subaru Outback Insurance Rates
The average annual insurance cost for a 2020 Subaru Outback is $629. However, American National P offers the cheapest rates, averaging $420 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $510 |
| SECURA Insurance | $813 |
| Buckeye Insurance Group | $748 |
| Dairyland Auto 1 Month | $568 |
| American National P | $420 |
| Direct Auto | $548 |
| National General | $461 |
| Texas Farm Bureau Group | $725 |
| Pekin Insurance | $792 |
| Safeco | $706 |
2019 Subaru Outback Insurance Rates
The average annual insurance cost for a 2019 Subaru Outback is $620. However, American National P offers the cheapest rates, averaging $479 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $528 |
| Ohio Mutual Ins Group | $713 |
| Partners Mutual Insurance Co | $695 |
| NatGen Value | $616 |
| American National P | $479 |
| Clearcover | $606 |
| Safeco | $511 |
| Plymouth Rock Assurance | $708 |
| Pekin Insurance | $710 |
| Utica National Ins Group | $636 |
2018 Subaru Outback Insurance Rates
The average annual insurance cost for a 2018 Subaru Outback is $594. However, American National P offers the cheapest rates, averaging $310 per year.
| Insurance Provider | Average Annual Cost |
| United Farm Bureau of IN Group | $534 |
| Virginia Farm Bureau | $761 |
| NatGen Value | $657 |
| Safeco | $623 |
| American National P | $310 |
| NatGen Custom 360 | $591 |
| Mercury Insurance | $435 |
| Pekin Insurance | $660 |
| PEMCO | $717 |
| Buckeye Insurance Group | $656 |
2017 Subaru Outback Insurance Rates
The average annual insurance cost for a 2017 Subaru Outback is $699. However, American National P offers the cheapest rates, averaging $428 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $653 |
| Partners Mutual Insurance Co | $833 |
| Pekin Insurance | $771 |
| Texas Farm Bureau Group | $767 |
| American National P | $428 |
| Virginia Farm Bureau | $675 |
| Safeco | $509 |
| Direct Auto | $775 |
| North Carolina Farm Bureau | $806 |
| National General RAD | $771 |
2016 Subaru Outback Insurance Rates
The average annual insurance cost for a 2016 Subaru Outback is $502. However, NatGen Value offers the cheapest rates, averaging $156 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $339 |
| American National P | $725 |
| Countryway Insurance | $618 |
| Pekin Insurance | $667 |
| Safeco | $392 |
| NatGen Value | $156 |
| Clearcover | $663 |
| Concord Group | $655 |
| PEMCO | $644 |
2015 Subaru Outback Insurance Rates
The average annual insurance cost for a 2015 Subaru Outback is $544. However, American National P offers the cheapest rates, averaging $300 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $372 |
| Texas Farm Bureau Group | $779 |
| Ohio Mutual Ins Group | $647 |
| Buckeye Insurance Group | $580 |
| American National P | $300 |
| Safeco | $378 |
| NatGen Value | $379 |
| Virginia Farm Bureau | $676 |
| PEMCO | $733 |
| North Carolina Farm Bureau | $596 |
2014 Subaru Outback Insurance Rates
The average annual insurance cost for a 2014 Subaru Outback is $429. However, Mercury Insurance offers the cheapest rates, averaging $176 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $218 |
| Dairyland FR Bond | $683 |
| Kentucky Farm Bureau | $585 |
| Pekin Insurance | $504 |
| Mercury Insurance | $176 |
| NatGen Value | $252 |
| Safeco | $195 |
| Kemper Auto | Infinity | $582 |
| SafeAuto | $600 |
| Buckeye Insurance Group | $491 |
2013 Subaru Outback Insurance Rates
The average annual insurance cost for a 2013 Subaru Outback is $418. However, Safeco offers the cheapest rates, averaging $200 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $283 |
| SafeAuto | $586 |
| MMG Insurance Company | $528 |
| American National P | $515 |
| Safeco | $200 |
| Countryway Insurance | $506 |
| Infinity Special | $165 |
| Kemper Personal Insurance | $524 |
| Patriot Group | $563 |
| Concord Group | $506 |
2012 Subaru Outback Insurance Rates
The average annual insurance cost for a 2012 Subaru Outback is $464. However, Safeco offers the cheapest rates, averaging $166 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Premium | $414 |
| Tennessee Farmers | $625 |
| NatGen Custom 360 | $514 |
| Buckeye Insurance Group | $482 |
| Safeco | $166 |
| Utica National Ins Group | $481 |
| American National P | $275 |
| Concord Group | $551 |
| Kemper Personal Insurance | $575 |
| Umialik Insurance | $555 |
2011 Subaru Outback Insurance Rates
The average annual insurance cost for a 2011 Subaru Outback is $626. However, Safeco offers the cheapest rates, averaging $228 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $665 |
| Kemper Personal Insurance | $789 |
| Kemper Premium | $703 |
| Farmers Mutual of Nebraska | $637 |
| Safeco | $228 |
| North Carolina Farm Bureau | $648 |
| American National P | $424 |
| First Chicago Insurance | $727 |
| SECURA Insurance | $796 |
| National General | $646 |
2010 Subaru Outback Insurance Rates
The average annual insurance cost for a 2010 Subaru Outback is $514. However, Kemper Auto Premium offers the cheapest rates, averaging $228 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $327 |
| AssuranceAmerica | $752 |
| SafeAuto | $655 |
| Texas Farm Bureau Group | $539 |
| Kemper Auto | Infinity | $131 |
| Safeco | $439 |
| Kemper Auto Premium | $288 |
| PEMCO | $713 |
| Mercury Insurance | $711 |
| Pekin Insurance | $586 |
Find Affordable Subaru Outback Car Insurance Rates
Are Subaru Outbacks Car Insurance Expensive To Insure?
Subaru Outbacks are generally not considered expensive to insure. Thanks to their strong safety ratings, moderate repair costs, and standard all-wheel drive, insurance premiums tend to be lower than those for many other SUVs. The average annual premium for a 2025 Subaru Outback is around $1,200, which is close to the national average for full coverage. Rates may vary depending on factors like your age, location, driving history, and the level of coverage you choose. Overall, the Outback’s reputation for reliability and safety helps keep insurance costs relatively affordable for most drivers compared to other vehicles in its class.
Cost of Subaru Outback Car Insurance By Age
Age is a key factor when it comes to calculating car insurance rates. Younger drivers, especially teenagers, tend to pay the highest premiums since they’re statistically more likely to be involved in accidents. As drivers gain more experience and get older, their risk level decreases, often leading to lower insurance costs.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,384 | $9,337 | $10,990 |
| 18 | $5,975 | $8,735 | $10,204 |
| 19 | $5,273 | $7,744 | $9,036 |
| 20 | $4,557 | $6,731 | $7,878 |
| 21 | $3,866 | $5,683 | $6,588 |
| 22 | $3,757 | $5,485 | $6,399 |
| 23 | $3,272 | $4,818 | $5,645 |
| 24 | $3,115 | $4,540 | $5,358 |
| 25 | $2,695 | $3,926 | $4,635 |
| 30 | $2,101 | $3,066 | $3,589 |
| 35 | $1,962 | $2,868 | $3,348 |
| 40 | $1,913 | $2,782 | $3,269 |
| 45 | $1,842 | $2,698 | $3,184 |
| 55 | $1,715 | $2,444 | $2,894 |
| 65 | $1,785 | $2,576 | $3,007 |
| 75 | $2,185 | $3,256 | $3,803 |
Subaru Outback Car Insurance Rates By State
Your location is a major factor in how insurance companies determine your premium. Since each state sets its own auto insurance regulations, the cost of coverage can vary widely depending on where you live. For instance, states like Michigan often have higher rates due to more extensive coverage requirements.
Climate also plays a role—areas prone to severe weather events such as hurricanes, floods, or heavy storms may see higher premiums. Additionally, local statistics on car theft, accidents, and traffic-related fatalities are considered. All of these elements help insurers assess the risk of insuring your Subaru Outback in your specific area.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,013 | $2,870 | $3,711 |
| Alaska | $1,668 | $2,305 | $2,251 |
| Arizona | $1,868 | $2,674 | $3,989 |
| Arkansas | $2,025 | $3,207 | $3,530 |
| California | $2,305 | $4,070 | $2,270 |
| Colorado | $2,106 | $3,017 | $3,751 |
| Connecticut | $2,689 | $4,188 | $5,361 |
| Delaware | $2,238 | $2,995 | $3,866 |
| Florida | $2,661 | $3,707 | $4,833 |
| Georgia | $878 | $1,180 | $881 |
| Hawaii | $1,487 | $2,052 | $2,456 |
| Idaho | $1,578 | $2,404 | $2,749 |
| Illinois | $1,626 | $2,497 | $2,770 |
| Indiana | $1,306 | $1,756 | $2,068 |
| Iowa | $1,727 | $2,491 | $2,915 |
| Kansas | $2,476 | $3,686 | $4,294 |
| Kentucky | $3,178 | $4,788 | $5,214 |
| Louisiana | $1,205 | $1,697 | $2,470 |
| Maine | $1,929 | $2,844 | $3,157 |
| Maryland | $1,596 | $2,749 | $1,543 |
| Massachusetts | $3,771 | $5,732 | $9,069 |
| Michigan | $1,573 | $2,059 | $2,891 |
| Minnesota | $1,883 | $2,675 | $2,669 |
| Mississippi | $1,725 | $2,522 | $3,322 |
| Missouri | $1,785 | $2,509 | $2,932 |
| Montana | $1,501 | $2,250 | $2,450 |
| Nebraska | $2,538 | $3,737 | $3,960 |
| Nevada | $1,753 | $2,778 | $3,475 |
| New Hampshire | $1,913 | $3,031 | $3,932 |
| New Jersey | $1,956 | $2,929 | $3,038 |
| New Mexico | $1,817 | $2,294 | $3,809 |
| New York | $1,107 | $1,936 | $1,366 |
| North Carolina | $1,551 | $2,366 | $2,789 |
| North Dakota | $1,365 | $2,121 | $2,166 |
| Ohio | $2,169 | $3,145 | $3,526 |
| Oklahoma | $1,983 | $2,664 | $3,228 |
| Oregon | $1,715 | $2,437 | $2,868 |
| Pennsylvania | $2,814 | $4,140 | $4,592 |
| Rhode Island | $1,886 | $2,660 | $3,653 |
| South Carolina | $1,730 | $2,468 | $2,848 |
| South Dakota | $1,997 | $2,941 | $3,918 |
| Tennessee | $2,019 | $2,957 | $3,670 |
| Texas | $1,731 | $2,440 | $3,320 |
| Utah | $1,338 | $2,050 | $2,160 |
| Vermont | $1,264 | $1,897 | $1,861 |
| Virginia | $1,657 | $2,247 | $2,686 |
| Washington | $1,673 | $2,403 | $2,983 |
| West Virginia | $1,652 | $2,566 | $2,987 |
| Wisconsin | $1,555 | $2,171 | $2,286 |
| Wyoming | $2,188 | $3,273 | $3,298 |
Find Affordable Subaru Outback Car Insurance Rates
Cheapest Car Insurance Companies For A Subaru Outback
GEICO appears with one of the lowest premiums, offering coverage at just over $1,170 annually, making it an attractive option for budget-conscious drivers. USAA, known for its affordability and excellent customer service, provides an even lower rate but is only available to military members and their families. Progressive, State Farm, and Nationwide also feature strong pricing, each staying under $1,250 per year. The monthly costs listed give a more practical view of what you’d pay if you prefer spreading payments throughout the year, with all five providers offering competitive rates just below or slightly above $100 per month. This comparison offers a useful starting point for Subaru Outback drivers looking to secure quality insurance at a low price.
| Insurance Company | Average Monthly |
| GEICO | $97 |
| State Farm | $103 |
| USAA | $91 |
| Progressive | $101 |
| Nationwide | $99 |
Common Subaru Outback Insurance Discounts
Taking advantage of discounts is a smart way to reduce your car insurance premium. While each insurer offers different savings opportunities, there are a few common discounts you may qualify for:
- Multi-policy discount: Bundling your auto insurance with other policies like home or renters insurance can often lead to a lower overall rate.
- Annual payment discount: Paying your premium in full instead of in monthly installments may earn you a discount.
- Defensive driving course: Completing an approved defensive driving class can help lower your premium by showing insurers you’re a safer driver.
There may be additional discounts available based on your insurer and personal situation. It’s a good idea to consult with your insurance agent to see which ones you qualify for.
Ways To Save On Subaru Outback Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Subaru Outback insurance costs. Traffic violations like speeding tickets or accidents can lead to higher premiums. For example, Outback drivers with a ticket may pay around $71 per month, while those with multiple accidents could see rates rise to about $134 per month.
Mileage also affects your rate. Drivers who log fewer miles each year are considered lower risk. Those who drive between 5,000 and 7,500 miles annually typically pay around $77 per month. Interestingly, drivers who exceed 10,000 miles per year might pay slightly less—around $67 monthly—depending on their overall profile.
Compare Subaru Outback To Other Subaru Models
Looking for other Subaru model insurance costs?
Our Methodology
To determine the average cost of car insurance, Insuranceopedia analyzed thousands of quotes from top auto insurance companies. The sample used was based on a 40-year-old male driver purchasing full-coverage insurance with $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind that your own rates may vary based on your unique circumstances and driving profile.
Quotes Analyzed
Brands Reviewed
Research Hours
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FAQs
Do You Need Insurance Before You Can Purchase A Subaru Outback?
Yes, you’ll need to show proof of insurance before driving your Subaru Outback off the dealership lot. The smartest move is to purchase a policy in advance and inform your insurance provider that you’re about to finalize the purchase. This approach is usually better than opting for a policy directly through the dealership, which may be more expensive or less flexible.
How Can You Get The Cheapest Insurance For Your Subaru Outback?
To get the lowest insurance rates for your Subaru Outback, it’s important to shop around and compare quotes from various auto insurance providers. Using tools like Insuranceopedia makes this process easier, letting you compare offers from multiple companies all in one place—helping you find the best deal for your coverage needs.
