2023 Subaru Outback Car Insurance Calculator

Gain insights into how different factors influence insurance rates for a 2023 Subaru Outback. Play around with factors like driver's age, policy discounts, Outback trim level, and driving record. Find out instantly how changes you make impact the rate.

The average estimated car insurance premium for a 2023 Subaru Outback is $1,964 per year, or about $164 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

$1,964

Cost Per Month

$164

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 2023 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.

$1,964
Average Rate
Your Rate
$1,964

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 2023 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 2023 Subaru Outback is $1,964.

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.

2023 Subaru Outback vs. the Midsize SUV Segment

The table below compares insurance rates for the 2023 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.

2023 Subaru Outback Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Honda Passport$1,774-$190
2Subaru Ascent$1,854-$110
3Ford Edge$1,932-$32
4Volkswagen Atlas$1,946-$18
5Ford Explorer$1,950-$14
6Nissan Murano$1,958-$6
7Subaru Outback$1,964--
8Volkswagen Atlas Cross Sport$2,036$72
9Toyota Venza$2,076$112
10Kia Sorento$2,092$128
11Hyundai Palisade$2,118$154
12Toyota 4Runner$2,134$170
13GMC Acadia$2,168$204
14Chevrolet Traverse$2,174$210
15Honda Pilot$2,192$228
16Buick Enclave$2,196$232
17Nissan Pathfinder$2,210$246
18Mazda CX-9$2,220$256
2023 Midsize SUV Average$2,227$263
19Mitsubishi Outlander Sport$2,252$288
20Kia Telluride$2,266$302
21Toyota Highlander$2,284$320
22Chevrolet Blazer$2,306$342
23Hyundai Santa Fe$2,336$372
24Jeep Grand Cherokee$2,420$456
25Jeep Cherokee$2,464$500
26Jeep Wrangler$2,514$550
27Ford Bronco$2,536$572
28Tesla Model Y$2,548$584
29Mitsubishi Outlander PHEV$2,606$642
30Dodge Durango$2,708$744
31Rivian R1S$2,790$826

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.

2023 Outback Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Subaru Outback Insurance Rates by Trim Level
2023 Subaru Outback Trim Level Annual Premium Cost Per Month
Base AWD$1,792$149
Premium AWD$1,854$155
Onyx Edition AWD$1,916$160
Limited AWD$1,956$163
Onyx Edition XT AWD$2,010$168
Wilderness AWD$2,010$168
Limited XT AWD$2,030$169
Touring AWD$2,032$169
Touring XT AWD$2,068$172

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 2023 Subaru Outback for different driver ages.

2023 Subaru Outback Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,050$588
17$6,865$572
18$6,209$517
19$5,615$468
20$4,297$358
21$4,097$341
22$3,666$306
23$2,971$248
24$2,817$235
25$2,286$191
30$2,100$175
35$2,012$168
40$1,964$164
45$1,834$153
50$1,730$144
55$1,618$135
60$1,626$136
65$1,742$145
70$1,870$156
75$2,190$183
80$2,718$227

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.