2018 Subaru Outback Car Insurance Calculator

Find out how changes to risk factors and vehicle options impact the cost of insurance for a 2018 Subaru Outback. Experiment with factors like your marital status, location, homeowner status, and credit rating. Instantly know if the decisions you make influence insurance rates.

The average estimated car insurance premium for a 2018 Subaru Outback is $1,660 per year, or about $138 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,660

Cost Per Month

$138

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Subaru Outback Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2018 Subaru Outback.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,660
Average Rate
Your Rate
$1,660

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2018 Subaru Outback trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2018 Subaru Outback is $1,660.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2018 Subaru Outback vs. the Midsize SUV Segment

The table below compares insurance rates for the 2018 Subaru Outback against all other models in the midsize SUV segment. The Subaru Outback is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Subaru Outback, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Subaru Outback.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2018 Subaru Outback Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volkswagen Atlas$1,572-$88
2Subaru Outback$1,660--
3Ford Edge$1,670$10
4Chevrolet Traverse$1,694$34
5Toyota 4Runner$1,704$44
6Honda Pilot$1,732$72
7Nissan Murano$1,752$92
8Ford Explorer$1,786$126
9Mazda CX-9$1,792$132
10Ford Flex$1,834$174
2018 Midsize SUV Average$1,837$177
11Kia Sorento$1,862$202
12Dodge Journey$1,868$208
13GMC Acadia$1,876$216
14Toyota Highlander$1,924$264
15Dodge Durango$1,936$276
16Jeep Cherokee$1,946$286
17Jeep Grand Cherokee$1,950$290
18Buick Enclave$1,964$304
19Nissan Pathfinder$1,980$320
20Jeep Wrangler$2,016$356
21Hyundai Santa Fe$2,050$390

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2018 Outback Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 Subaru Outback.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2018 Subaru Outback Insurance Rates by Trim Level
2018 Subaru Outback Trim Level Annual Premium Cost Per Month
2.5I AWD$1,486$124
2.5I Premium AWD$1,540$128
2.5I Limited AWD$1,634$136
3.6R Limited AWD$1,708$142
2.5I Touring AWD$1,762$147
3.6R Touring AWD$1,830$153

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2018 Subaru Outback for different driver ages.

2018 Subaru Outback Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,024$502
17$5,842$487
18$5,241$437
19$4,755$396
20$3,633$303
21$3,459$288
22$3,091$258
23$2,513$209
24$2,383$199
25$1,932$161
30$1,772$148
35$1,702$142
40$1,660$138
45$1,552$129
50$1,470$123
55$1,376$115
60$1,380$115
65$1,476$123
70$1,596$133
75$1,878$157
80$2,332$194

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Subaru Outback trim levels.