Compare the Cost of Subaru Outback Insurance by Model Year and Company

MoneyGeek found that the average cost of insuring a Subaru Outback is $1,121 per year. This amount is $307 cheaper than insurance prices for the average vehicle, making Subaru Outback insurance much more affordable than coverage for a typical car. However, despite being one of the least expensive vehicles to insure, rates can vary depending on your Subaru Outback model year and, of course, your car insurance company.

Loading...
By  
  |  

If you want to buy the most affordable Subaru Outback insurance, you should first shop around to check rates from several reliable car insurance companies. Reviewing your options will help you narrow down your choices and ultimately help you find the best deal possible. Keep in mind that the rates could change depending on the model year of your Subaru Outback.

Key Takeaways

car2

It costs an average of $1,121 per year to insure a Subaru Outback, compared to $1,427 for the average car model.

find

The cost to insure a Subaru Outback can vary by $308 per year, depending on the insurer.

coins

The full coverage insurance cost for a Subaru Outback can fluctuate by $243 per year depending on how old your car is, with lower insurance rates for older models.

How Much It Costs to Insure a Subaru Outback and the Cheapest Company

Researching how much Subaru Outback insurance costs can make all the difference in your expenses. As mentioned, the average annual insurance rate for this type of vehicle is $1,121, but it can change depending on your chosen insurer. GEICO offers the cheapest average insurance rate insurance rate at $993, while Allstate offers the highest average insurance rate of $1,301. That’s a potential difference of $308 annually, depending on which company you choose.

The Average Annual Cost of Subaru Outback Insurance by Company

MoneyGeek collected information about insurance provider rates using a sample driver profile. In this scenario, the driver has 100/300/100 liability insurance with comprehensive and collision coverage.

The Average Cost to Insure a Subaru Outback by Company

Scroll for more

swipe icon
Loading...

Is a Subaru Outback Expensive to Insure?

Car insurance providers follow a comprehensive set of metrics to determine an insurance rate for a given model. Generally, expensive models incur higher insurance costs because they cost more to repair and are more likely to be stolen. The same guideline applies to models that are accident-prone.

Subaru Outback owners can likely buy insurance coverage that is cheaper than average models. Car insurers do not disclose how they determine insurance rates. However, the Subaru Outback does not have any high-risk factors that would cause insurers to increase their premiums.

Furthermore, as per the most recent data released by the National Highway Traffic Safety Administration, this car model has a theft rating of 5, with 1 representing the highest. These factors explain why this car is one of the least expensive models to insure.

The Best Car Insurance Company for a Subaru Outback

It’s important to note that you shouldn’t focus on the cost alone when shopping for the best car insurance for your Subaru Outback. You must check other details, such as the company’s customer service reputation, to find the best policy for your needs.

According to MoneyGeek’s rating system, based on customer complaints, affordability, customer satisfaction and financial stability, we were able to determine the following:

  • USAA is the best insurer for a Subaru Outback. However, its coverage is exclusively available for military members and their families.
  • If you don’t have military connections, GEICO is your best bet as the second-ranked insurer for Subaru Outbacks in MoneyGeek’s analysis.

1
USAA
Score:92

4.4/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
GEICO
Score:90

5/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

3
State Farm
Score:84

4.3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

4
Progressive
Score:84

4.5/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

5
Allstate
Score:69

3/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

How Much It Costs to Insure a Subaru Outback by Model Year

Any car’s value depreciates over time, so it’s only natural that you’ll get cheaper insurance rates for older versions of a Subaru Outback. For instance, the average cost of auto insurance for a 2005 Subaru Outback is $964, while you’ll likely pay around $1,207 for a 2020 model. That’s a difference of $243, depending on how old your car is.

The cheapest insurance company on average for a 2020 Subaru Outback is GEICO, at $1,074 annually. Feel free to scroll to your model year to see how rates from different companies compare since the cheapest company can change depending on the year.

The Average Cost to Insure a Subaru Outback by Model Year

Scroll for more

swipe icon
  • Company
    Average Annual Rates (2020 model)
    Average Annual Rates (2019 model)
    Average Annual Rates (2018 model)
    Average Annual Rates (2017 model)
    Average Annual Rates (2016 model)
    Average Annual Rates (2010 model)
    Average Annual Rates (2005 model)
  • 1.
    $1,074
    $1,042
    $1,042
    $1,009
    $996
    $900
    $888
  • 2.
    $1,160
    $1,158
    $1,125
    $1,114
    $1,095
    $967
    $888
  • 3.
    $1,157
    $1,170
    $1,256
    $1,132
    $1,070
    $919
    $881
  • 4.
    $1,180
    $1,161
    $1,124
    $1,111
    $1,103
    $1,046
    $926
  • 5.
    $1,138
    $1,151
    $1,165
    $1,176
    $1,067
    $1,069
    $1,022

How Expensive Is It to Insure a Subaru Outback Compared to Other Cars?

Choosing to drive a Subaru Outback can save you some money on car insurance coverage. On average, it will cost you $1,121 per year, as opposed to $1,427, the average rate across all models. The Subaru Outback is one of the cheapest cars to insure in the market.

How Much It Costs to Insure a Subaru Outback for 16- to 25-Year-Olds

Since younger drivers have less experience on the road, car insurance companies tend to give them higher rates on insurance coverage. An 18-year-old Subaru Outback driver pays $3,658 per year on average, compared to $1,121 for a 40-year-old driver. Young drivers can save quite a bit of money if they stay on their parents’ policy instead of buying separate coverage.

You can find the cost of car insurance for a young driver from ages 16–25 below.

The Average Cost to Insure a Subaru Outback by Driver Age

Scroll for more

swipe icon
  • Age
    Average Annual Rates
  • 16
    $4,690
  • 17
    $4,154
  • 18
    $3,658
  • 19
    $2,620
  • 20
    $2,338
  • 21
    $1,851
  • 22
    $1,705
  • 23
    $1,560
  • 24
    $1,464
  • 25
    $1,329
  • 40
    $1,121

How Does Location Affect the Cost of Subaru Outback Insurance?

While the costs referenced in this article are based on national averages, where you live can have a significant impact on your car insurance rates. You can learn more about the cost of car insurance in individual states with our state page analysis.

FAQs About Subaru Outback Insurance

The cost of your insurance policy is calculated based on different factors. The model of your car is just one aspect to consider. Here are some frequently asked questions about insuring a Subaru Outback.

Read More About Car Insurance

Methodology

MoneyGeek collected the most recent data about the average car insurance rates for a Subaru Outback. In this representation, our driver is a 40-year-old male looking to buy an insurance policy with the following coverages:

  • $100,000 in bodily injury liability insurance per person
  • $300,000 in bodily injury liability insurance per accident
  • $100,000 in property damage liability insurance per accident
  • Comprehensive and collision insurance with a $1,000 deductible

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.