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
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 costs. The Subaru Outback averages $824 a year in repair costs, fifth highest among Subaru's 10 models. That's a mid-range figure within the Subaru lineup and doesn't push premiums significantly above other crossover SUVs.
- Trim, features and accessories. The Outback's power output ranges from 182 to 260 horsepower depending on trim. Higher-output trims carry more expensive parts and a higher accident risk profile, both of which push premiums up.
- Driver profile. Outback drivers tend to fall between ages 45 and 55, which is a bracket insurers treat as lower risk. Younger drivers pay more regardless of the vehicle.
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
Coverage needs depend on how you own the Outback. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance. If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Average auto insurance costs for crossover SUVs give you a baseline before you start getting quotes. Without that reference point, an above-market quote looks normal. Our data on the cheapest car insurance companies shows which carriers price low for Outback drivers specifically.
- 3Check insurer quality, not just price
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records. Forum feedback on claims processing surfaces problems that don't appear in formal ratings. Our guide to the best car insurance companies covers all of those factors together.
- 4Find every discount you qualify for
Subaru Outback owners commonly qualify for safety feature discounts, good driver credits, multi-vehicle savings and bundling discounts. Anti-theft device discounts and defensive driving course credits are also available from some insurers. The full list of car insurance discounts shows what's available and which ones stack.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor braking, acceleration and mileage, then price the policy on actual driving behavior. Outback drivers who keep mileage low and drive conservatively tend to come out ahead on these programs.
- 6Pull quotes once a year
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound.
Subaru Outback Insurance Cost: Bottom Line
The Subaru Outback costs below the average crossover SUV to insure. Comparing quotes from at least three insurers and stacking available discounts will push costs lower still.
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?
Subaru Outback premiums are shaped by driving record, credit score and coverage level. On the vehicle side, strong safety ratings and moderate theft rates hold costs down. All-wheel drive systems cost more to repair than two-wheel drive setups, which partially offsets those savings. The Outback's $824 annual repair cost (fifth highest among Subaru's 10 models) reflects that tradeoff.
How can I lower Subaru Outback insurance costs?
Get quotes from at least three insurers before committing to a policy. Stack every discount you qualify for: safety features, good driver and bundling home or auto are the highest-value options. Usage-based programs like Progressive Snapshot cut costs further for lower-mileage drivers with clean habits.
How We Determined Subaru Outback Insurance Costs
Subaru Outback cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.