Toyota Highlander or Subaru Outback Insurance – Which is More Affordable?

• At an average rate of $2,132 per year, a 2024 Subaru Outback is cheaper to insure than a 2024 Toyota Highlander by an average of $138 per year.
• When compared to the average U.S. car insurance rate of $2,221 per year, the Toyota Highlander costs an average of $89 less per year, while the Subaru Outback costs $227 less per year.
• For the 2024 Toyota Highlander, auto insurance prices range from $1,958 to $2,316 per year, while insurance on a 2024 Subaru Outback ranges from $1,816 to $2,092.

Is it cheaper to insure a Toyota Highlander or Subaru Outback?

For 2024, the vehicle with the cheapest average car insurance rates is the Subaru Outback. Insurance on the Toyota Highlander averages $2,132 per year, while the Subaru Outback costs an average of $1,994 per year.

Out of 20 trims for the 2024 Toyota Highlander, the cheapest car insurance rates are on the LE 2WD model at a cost of $1,958 per year. For the nine trim levels available for the Subaru Outback, the cheapest 2024 model to insure is the Base model at a cost of $1,816.

When comparing both models at a trim-level basis, the overall cheapest vehicle to insure is the Subaru Outback Base at an average of $1,816 per year. The most expensive model and trim level is the Toyota Highlander Hybrid XLE AWD costing an average of $2,316 per year.

The rate table below ranks the cost of car insurance for 2024 Toyota Highlander and Subaru Outback models, broken down by individual trim level.

The chart shown below visualizes the average cost to insure both 2024 models for drivers from age 20 to 50. For a 2024 Toyota Highlander, insurance cost ranges from $1,880 to $4,268 per year for these driver ages. A 2024 Subaru Outback costs from $1,760 to $4,028 to insure per year.

The tables below display the cost to insure the available trim levels for both 2024 models, as well as the overall average rate for each model.

2023 Toyota Highlander vs. Subaru Outback

For 2023 Toyota Highlander and Subaru Outback models, the model having the cheapest rates is the Subaru Outback. Insurance on the Toyota Highlander averages $2,284 per year, and the Subaru Outback averages $1,964 per year.

Out of 22 Toyota Highlander trims, the cheapest 2023 trim level to insure is the L 2WD model at an average cost of $2,002 per year, or about $167 per month. The 2023 Subaru Outback has nine trims available, with the cheapest trim level to insure being the Base AWD model at an average cost of $1,792 per year, or about $149 per month.

When rates are compared for the 31 trim levels of both 2023 models, the overall cheapest vehicle to insure is the Subaru Outback Base AWD at a cost of $1,792 per year. The most expensive trim is the Toyota Highlander Hybrid Platinum AWD at an average cost of $2,566 per year.

The rate table below compares and ranks the 12-month and monthly car insurance cost for 2023 Toyota Highlander and Subaru Outback models, with average cost for each trim level.

The rate chart below demonstrates the average cost to insure both models with different drivers at the wheel. The average cost of car insurance ranges from $2,018 to $4,632 per year for a 2023 Toyota Highlander, and $1,730 to $4,002 for a 2023 Subaru Outback for the included age groups.

The rate tables below illustrate average car insurance cost by trim level for each 2023 model, plus the average rate for each model.

2022 Toyota Highlander vs. Subaru Outback

For 2022 models, the cheapest model to insure is the Subaru Outback. Insurance on the Toyota Highlander averages $2,150 per year, and insurance for the Subaru Outback costs an average of $1,962 per year.

Rates vary significantly depending on the trim level, however. To illustrate this, on a 2022 Toyota Highlander, car insurance rates range from the cheapest price of $1,886 per year for the L 2WD model up to $2,424 for the Hybrid Platinum AWD model. For the 2022 Subaru Outback, rates can range from $1,752 per year for the AWD model up to $2,054 for the most expensive Touring XT AWD model.

Average car insurance rates for all 2022 Toyota Highlander and Subaru Outback models and trims cost from $146 to $202 per month. For a 2022 Toyota Highlander, the lowest-cost trims to insure include the L 2WD, L AWD, and LE 2WD. The most affordable Subaru Outback trim levels to insure include the AWD, Premium AWD, and Onyx Edition XT AWD.

The rate table below compares the annual and monthly cost of car insurance for 2022 Toyota Highlander and Subaru Outback models, broken down by individual trim level.

The following chart shows the average insurance cost for both 2022 models rated for drivers aged 20 to 50. Average car insurance cost ranges from $1,902 to $4,366 per year on the 2022 Toyota Highlander, and $1,730 to $3,986 for a 2022 Subaru Outback for the illustrated age groups.

The 2022 Toyota Highlander has 22 trims available, with the cheapest trim to insure being the L 2WD model at an average cost of $1,886 per year, or about $157 per month. For the eight option levels available for the Subaru Outback, the most affordable 2022 trim level to insure is the AWD trim at a cost of $1,752.

When comparing rates by trim level for both models, the overall cheapest vehicle to buy insurance for is the Subaru Outback AWD at an average rate of $1,752 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum AWD at an average cost of $2,424 per year.

The tables shown below break down all the available trims for both 2022 models, including an overall average rate. The model with the cheapest average car insurance rates for 2022 is the Subaru Outback.

2021 Toyota Highlander vs. Subaru Outback

When comparing average insurance cost for 2021 models, the Toyota Highlander costs an average of $2,202 per year for a full-coverage policy and the Subaru Outback costs $2,052, making the Subaru Outback the model with cheaper insurance by $150 for the 2021 comparison year.

The chart below displays the average insurance cost for both models rated for multiple driver ages. The average cost of car insurance ranges from $1,952 to $4,488 per year for a 2021 Toyota Highlander, and $1,814 to $4,210 for a 2021 Subaru Outback for the chosen age groups in the chart.

Out of 17 trim levels for a 2021 Toyota Highlander, the most affordable rates are on the L 2WD trim at a cost of $1,936 per year. For the 11 option levels available for a Subaru Outback, the most affordable 2021 model to insure is the AWD model at a cost of $1,866 per year, or about $156 per month.

When looking at the aggregated rates by trim level for both models, the cheapest vehicle to buy insurance for is the Subaru Outback AWD at an average rate of $1,866 per year, and the most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum 4WD at an average cost of $2,536 per year.

The tables shown below detail trim level insurance rates for each 2021 model, plus the average rate for each model. The winner for the 2021 car insurance battle is the Subaru Outback.

2020 Toyota Highlander vs. Subaru Outback

When comparing average insurance rates for the 2020 Toyota Highlander and Subaru Outback models, the Subaru Outback is cheaper by $152 per year for 2020.

The next chart illustrates the average insurance cost for both 2020 models with different ages of drivers. For a 2020 Toyota Highlander, the average car insurance cost ranges from $1,900 to $4,366 per year for the five different driver ages shown in the chart. Car insurance for the 2020 Subaru Outback costs from $1,760 to $4,078 on average per year.

A 2020 Toyota Highlander has 17 trims available, with the most affordable trim to insure being the L 2WD trim at an average cost of $1,880 per year, or $157 per month.

The 2020 Subaru Outback has 11 different option levels available, with the cheapest trim level to insure being the AWD model at an average cost of $1,810 per year.

When all 28 trims of both models are combined and compared, the cheapest model and trim level to buy insurance for is the Subaru Outback AWD at an average rate of $1,810 per year. The highest-cost model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing an average of $2,464 per year.

The tables below show average car insurance cost by trim level for a 2020 Toyota Highlander and Subaru Outback, as well as the overall average rate for each model. The cheapest model to insure for the 2020 model year is the Subaru Outback.

2019 Toyota Highlander vs. Subaru Outback

When comparing insurance cost for 2019 models, the Toyota Highlander costs $2,012 per year to insure and the Subaru Outback costs $1,770, making the Subaru Outback the cheaper model to insure by $242 for this comparison year.

The chart below visualizes the average insurance cost for both 2019 models for four different driver age groups. For a 2019 Toyota Highlander, average insurance cost ranges from $1,784 to $4,108 per year for the different drivers illustrated in the chart. Full-coverage insurance for the 2019 Subaru Outback ranges from $1,564 to $3,620 on average per year.

For the 17 trims available for a 2019 Toyota Highlander, the cheapest model to insure is the LE 2WD model at an average cost of $1,810 per year, or $151 per month.

Out of the six trim levels available for a Subaru Outback, the cheapest 2019 trim level to insure is the 2.5I AWD model at a cost of $1,616.

When comparing rates by trim level for both models, the cheapest trim to put coverage on is the Subaru Outback 2.5I AWD at an average of $1,616 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Limited Platinum 4WD costing an average of $2,208 per year.

The two tables below display both 2019 models and all trim levels available for each one, including an overall average rate. The 2019 Subaru Outback has cheaper average car insurance rates than the 2019 Toyota Highlander.

2018 Toyota Highlander vs. Subaru Outback

When comparing car insurance rates for 2018 models, a Toyota Highlander costs an average of $1,924 per year to insure while a Subaru Outback costs $1,660, making the Subaru Outback more affordable to insure by $264 per year.

The chart shown below displays the average cost to insure both models rated for different driver ages. For the 2018 Toyota Highlander, average insurance cost ranges from $1,708 to $3,916 per year for the example age groups. A full-coverage policy for the 2018 Subaru Outback costs from $1,470 to $3,388 on average per year.

Out of 16 Toyota Highlander trim levels, the most affordable 2018 trim level to insure is the LE 2WD trim at an average cost of $1,730 per year.

Out of the six trim and option levels available for a Subaru Outback, the most affordable 2018 trim level to insure is the 2.5I AWD trim at a cost of $1,486 per year, or $124 per month.

When comparing rates by trim level for both models, the overall cheapest vehicle to buy insurance for is the Subaru Outback 2.5I AWD at an average rate of $1,486 per year, and the most expensive vehicle to insure is the Toyota Highlander Hybrid Limited 4WD at a cost of $2,132 per year.

The tables shown below show the cost to insure the available trim levels for both 2018 models, including an overall average rate. The 2018 Subaru Outback has cheaper average car insurance rates than the 2018 Toyota Highlander.

2017 Toyota Highlander vs. Subaru Outback

When comparing car insurance rates for 2017 models, the Toyota Highlander costs $1,834 per year for a full-coverage policy and the Subaru Outback costs $1,574, making the Subaru Outback the winner by $260.

The chart below visualizes the average cost to insure both models for four different driver age groups. The average cost of car insurance ranges from $1,628 to $3,726 per year for the 2017 Toyota Highlander, and $1,396 to $3,208 on a 2017 Subaru Outback for the age groups included in the chart.

For the 14 trim levels available for the 2017 Toyota Highlander, the lowest-cost trim level to insure is the LE 2WD trim at an average cost of $1,666 per year, or $139 per month. For the six trims available for a Subaru Outback, the most affordable 2017 trim level to insure is the 2.5I AWD trim at a cost of $1,428 per year, or $119 per month.

When comparing rates by trim level for both models, the most affordable model and trim level to insure is the Subaru Outback 2.5I AWD at an average of $1,428 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing an average of $2,030 per year.

The tables shown below illustrate both 2017 models and all trim levels available for each one, including the average rate for each model. The cheapest to insure for the 2017 model year is the Subaru Outback.

2016 Toyota Highlander vs. Subaru Outback

When comparing average insurance rates for 2016 models, a Toyota Highlander costs an average of $1,806 per year to insure while a Subaru Outback costs $1,438, making the Subaru Outback cheaper to insure by $368 per year.

The rate chart below demonstrates the average cost to insure both 2016 models rated for different driver ages. The average cost of car insurance ranges from $1,612 to $3,658 per year on a 2016 Toyota Highlander, and $1,276 to $2,918 on the 2016 Subaru Outback for the different drivers illustrated in the chart.

Out of 12 trims for the 2016 Toyota Highlander, the cheapest rates are on the LE 2WD model at a cost of $1,636 per year, or $136 per month.

The 2016 Subaru Outback has four trims available, with the lowest-cost model to insure being the 2.5I 4WD model at an average cost of $1,344 per year, or $112 per month.

When rates for all 16 trim levels for both vehicles are combined and compared, the cheapest trim to put coverage on is the Subaru Outback 2.5I 4WD at an average of $1,344 per year, and the highest-cost model and trim level is the Toyota Highlander Hybrid Platinum 4WD at a cost of $2,028 per year.

The next two rate tables display the average cost to insure all 2016 trim levels, along with the average rate for each model. The cheapest of the two models to insure for the 2016 model year is the Subaru Outback.

2015 Toyota Highlander vs. Subaru Outback

For the 2015 Toyota Highlander and Subaru Outback models, the Subaru Outback has cheaper car insurance cost by an average of $324 per year.

The chart shown below demonstrates the average insurance cost for both 2015 models for drivers aged 20 to 50. For the 2015 Toyota Highlander, average car insurance cost ranges from $1,446 to $3,274 per year. A full-coverage policy on a 2015 Subaru Outback costs from $1,146 to $2,620 on average per year.

For the 12 trim levels available for the 2015 Toyota Highlander, the cheapest trim to insure is the LE 2WD model at an average cost of $1,460 per year, or about $122 per month. A 2015 Subaru Outback has four trim levels available, with the cheapest model to insure being the 2.5I 4WD trim at an average cost of $1,256 per year.

When comparing rates by trim level for both models, the most affordable model and trim level to put coverage on is the Subaru Outback 2.5I 4WD at an average cost of $1,256 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD at an average cost of $1,872 per year.

The tables shown below display the average cost to insure each trim level for a 2015 Toyota Highlander and Subaru Outback, including the average rate for each model.

Additional Toyota Highlander and Subaru Outback Resources

• Toyota Highlander Insurance Cost
• Subaru Outback Insurance Cost
• Midsize SUV Insurance Cost Comparisons