2021 Subaru Outback Car Insurance Calculator

Observe in real-time how life choices impact car insurance rates for a 2021 Subaru Outback. Tweak settings like annual miles driven, vehicle usage, and gender of the driver to see how insurance cost is affected. Know immediately if the choice you make has a positive or negative impact on rates.

The average estimated car insurance premium for a 2021 Subaru Outback is $2,052 per year, or about $171 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

$2,052

Cost Per Month

$171

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 2021 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.

$2,052
Average Rate
Your Rate
$2,052

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 2021 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 2021 Subaru Outback is $2,052.

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.

2021 Subaru Outback vs. the Midsize SUV Segment

The table below compares insurance rates for the 2021 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.

2021 Subaru Outback Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Edge$1,782-$270
2Honda Passport$1,806-$246
3Chevrolet Blazer$1,816-$236
4Kia Telluride$1,832-$220
5Volkswagen Atlas$1,846-$206
6Subaru Ascent$1,860-$192
7Nissan Murano$1,920-$132
8Honda Pilot$1,928-$124
9Buick Enclave$2,000-$52
10Hyundai Palisade$2,008-$44
11Subaru Outback$2,052--
12Ford Explorer$2,058$6
13GMC Acadia$2,070$18
14Chevrolet Traverse$2,084$32
15Kia Sorento$2,094$42
16Toyota 4Runner$2,112$60
2021 Midsize SUV Average$2,115$63
17Nissan Pathfinder$2,160$108
18Mazda CX-9$2,170$118
19Mitsubishi Outlander Sport$2,178$126
20Toyota Venza$2,194$142
21Toyota Highlander$2,202$150
22Hyundai Santa Fe$2,210$158
23Dodge Durango$2,290$238
24Jeep Grand Cherokee$2,350$298
25Ford Bronco$2,366$314
26Jeep Wrangler$2,392$340
27Jeep Cherokee$2,394$342
28Mitsubishi Outlander PHEV$2,402$350
29Tesla Model Y$2,750$698

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.

2021 Outback Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Subaru Outback Insurance Rates by Trim Level
2021 Subaru Outback Trim Level Annual Premium Cost Per Month
AWD$1,866$156
Premium AWD$1,932$161
Premium Navi/Moon Roof AWD$1,994$166
Premium Plus AWD$1,994$166
Limited AWD$2,060$172
Onyx XT AWD$2,060$172
Limited Navi/Moon Roof AWD$2,080$173
Limited XT AWD$2,144$179
Onyx XT Navi/Moon Roof AWD$2,144$179
Touring AWD$2,144$179
Touring XT AWD$2,144$179

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 2021 Subaru Outback for different driver ages.

2021 Subaru Outback Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,491$624
17$7,267$606
18$6,525$544
19$5,916$493
20$4,516$376
21$4,301$358
22$3,843$320
23$3,120$260
24$2,956$246
25$2,388$199
30$2,186$182
35$2,102$175
40$2,052$171
45$1,916$160
50$1,814$151
55$1,696$141
60$1,704$142
65$1,826$152
70$1,970$164
75$2,330$194
80$2,896$241

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.