Is the Subaru Outback expensive to insure?

Insurance rates for the Outback tend to lag behind the national average for all cars, in part due to its advanced safety features that lead to fewer accidents and less-severe accidents. Also, the Outback is one of the least likely car models to be stolen, according to the Highway Loss Data Institute. All trim levels of Outbacks have advanced security features, including an anti-theft system with engine immobilizer.

How can I save money on Outback insurance?

The best way to save money on insurance for a Subaru Outback is to shop around and compare policies with similar features, such as the same deductible and level of coverage. It's also worthwhile to ask about discounts such as bundling, low mileage, being a safe driver and others.

Are older cars cheaper to insure?

The cost of insuring a 10-year-old vehicle with full coverage is about 30 percent less than the same coverage for a new car, according to Bankrate's analysis of rates from Quadrant Information Services. Keep in mind that if you have an older car, your insurance company is more likely to declare it a total loss after an accident. That means if the cost of repairs exceeds a percentage of the value of your older car, you’ll get a payout based on a percentage of the vehicle’s actual cash value (ACV), minus your deductible, which may not be enough to replace it with a similar vehicle.

Car Insurance for Subaru Outback

How much does it cost to insure an Outback?

Full coverage insurance for a Subaru Outback costs an average of $ per year, compared to the national average of $2,671 per year, according to rate data sourced from Quadrant Information Services.

Comparing insurance companies can help you find the right policy for your lifestyle and finances.

$2,227 Avg annual full coverage
insurance premium

$751 Avg annual min coverage
insurance premium

Manufacturer’s suggested retail price (MSRP): $29,995

Trims available: Base, Premium, Onyx Edition, Limited, Touring, Onyx Edition XT, Wilderness, Limited XT and Touring XT.

Repair costs

Annual repair and maintenance costs for the Subaru Outback average $607, which is more than the average $573 for midsize SUVs, but slightly less than the estimated $652 annual cost for all car models. Its around average repair costs shouldn't flag concern for most insurers, which can be beneficial when shopping.

Safety features

The Outback base model features a suite of safety technologies, including automatic braking, steering-responsive headlights, lane departure warning and air bags that deploy from the side of the front seatbacks. Higher trim models offer additional features like an infrared camera monitoring eye movement that alerts if the driver starts to nod off. These advanced safety features can reduce accident risk, leading to potentially lower insurance costs.

Crash ratings

The Insurance Institute for Highway Safety (IIHS) designates the Subaru Outback as a Top Safety Pick, and gives it a “good” rating, its highest rating. According to tests, rhe Outback excels in crash avoidance and mitigation. The National Highway Traffic Safety Administration also gives the Outback a five-star safety rating.

Cheapest car insurance companies for an Outback

The key to keeping your Subaru Outback insurance costs low is to shop around. Rates vary by insurer because each company weighs risk factors differently and offers various discounts for factors such as being a safe driver.

How much does it cost to insure my Subaru Outback?

The table below compiles the annual average insurance rates from top insurance companies. To get the best rate, ask about discounts and compare rates for the same levels of coverage.

2023 Outback car insurance premium by carrier


Nationwide	$1,344	- $883
Geico	$1,969	- $258
Progressive	$1,815	- $412
Travelers	$1,756	- $471
AAA	$2,035	- $192

2013 Outback car insurance premium by carrier


Nationwide	$1,234	- $458
Geico	$1,564	- $128
Progressive	$1,470	- $222
Travelers	$1,446	- $246
AAA	$1,564	- $128

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for an Outback

When choosing an insurance company, low premiums shouldn’t be the only thing you consider. You also want to make sure your policy protects you financially when it matters most. The bare minimum coverage might fulfill your state's legal requirements, but it often falls short when it comes to covering serious accidents or damage from storms.

Here are a few coverage options to think about for added peace of mind:

Personal injury protection (PIP): Covers medical bills for you and your passengers, no matter who caused the accident. This is usually of importance in no-fault states, where your own insurance handles injury-related costs.
Collision coverage: Whether it’s a fender-bender or something more serious, this helps cover the cost to fix or replace your car if you’re in an accident, no matter who’s at fault.
Comprehensive coverage: This will pay to repair or replace your car if it’s damaged in a covered non-collision event such as theft, vandalism, fires or flooding.
Uninsured/underinsured motorist coverage: This will cover you if you’re hit by a driver who doesn’t have insurance or doesn’t have enough insurance. It’s a good safety net, especially in areas where uninsured drivers are common.

How to get Outback car insurance quote

You can compare Subaru Outback insurance rates by getting quotes online, over the phone or in person, depending on the insurer. If you're in the market for a car, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare the Subaru Outback with other similar cars

Subaru Outback Avg annual full coverage premium $2,227 Read More	Toyota RAV4 Avg annual full coverage premium $2,391 Read More	Honda CR-V Avg annual full coverage premium $2,251 Read More
Price (MSRP)
$29,995	$29,250	$30,100
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
5 stars	5 stars	5 stars
Gas mileage
28 combined city/highway mpg	30 combined city/highway mpg	30 combined city/highway mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Substantially better than average	Better than average	Substantially better than average

Frequently asked questions

Insurance rates for the Outback tend to lag behind the national average for all cars, in part due to its advanced safety features that lead to fewer accidents and less-severe accidents. Also, the Outback is one of the least likely car models to be stolen, according to the Highway Loss Data Institute. All trim levels of Outbacks have advanced security features, including an anti-theft system with engine immobilizer.
The best way to save money on insurance for a Subaru Outback is to shop around and compare policies with similar features, such as the same deductible and level of coverage. It's also worthwhile to ask about discounts such as bundling, low mileage, being a safe driver and others.
The cost of insuring a 10-year-old vehicle with full coverage is about 30 percent less than the same coverage for a new car, according to Bankrate's analysis of rates from Quadrant Information Services. Keep in mind that if you have an older car, your insurance company is more likely to declare it a total loss after an accident. That means if the cost of repairs exceeds a percentage of the value of your older car, you’ll get a payout based on a percentage of the vehicle’s actual cash value (ACV), minus your deductible, which may not be enough to replace it with a similar vehicle.

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.