Subaru Outback Car Insurance Rates for 2021

How much does Subaru Outback insurance cost? We compare car insurance rates from the base AWD Outback up to the Touring XT AWD model to see how they rank against the entire midsize SUV segment.

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  • Subaru Outback insurance costs an average of $1,466 per year or around $122 per month, depending on the trim level.
  • Out of 27 vehicles in the 2021 model year midsize SUV segment, the Outback ranks #11 for insurance affordability.
  • The Outback AWD trim level is the cheapest to insure at around $1,332 per year. The most expensive trim is the Touring XT AWD at $1,530 per year.
  • Subaru Outback car insurance rates in a few larger cities include $1,614 in San Diego, CA, $1,528 in Dallas, TX, and $1,646 in Phoenix, AZ.

How much does Subaru Outback insurance cost?

Subaru Outback insurance averages around $1,466 a year, or around $122 monthly. You can expect to pay about $31 less annually to insure a Subaru Outback compared to the average rate for midsize SUVs, and $57 less per year than the $1,523 average for all vehicles.

The chart below shows how average car insurance rates for a 2021 Outback change based on driver age and a range of policy deductibles. Insurance rate averages vary from a low of $1,108 per year for a driver age 60 with high physical damage deductibles to the highest rate of $3,440 each year for a driver age 20 with low deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2021 Subaru Outback with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Subaru Outback trim levels.
Subaru Outback Car Insurance Rates
Subaru Outback Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,480$207
$500$2,946$246
$250$3,440$287
30$1,000$1,290$108
$500$1,544$129
$250$1,812$151
40$1,000$1,230$103
$500$1,466$122
$250$1,710$143
50$1,000$1,124$94
$500$1,334$111
$250$1,556$130
60$1,000$1,108$92
$500$1,314$110
$250$1,534$128

The preceding insurance cost chart calculates just a small set of data points. The reason for this is that if we displayed all rates for every driver profile and risk factor, including all 11 Outback models and all 41,692 zip codes in the U.S., the end result would be 1,064,448,000,000 possible rates. That would be one big chart.

To help you grasp the full range of possible rates, keep in mind that a liability-only insurance policy for a Subaru Outback in the most affordable parts of Ohio or Vermont can be as low as $221 a year, while a newly-licensed teenage driver with an at-fault accident and a few traffic citations in some zip codes in New Orleans, LA, could total as much as $16,812 a year for a policy that provides full coverage.

The following table shows average full coverage Subaru Outback car insurance rates for the 2013 to 2021 model years.

Subaru Outback Insurance Cost for 2013-2021 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2021 Subaru Outback$1,466$733$122
2020 Subaru Outback$1,426$713$119
2019 Subaru Outback$1,286$643$107
2018 Subaru Outback$1,224$612$102
2017 Subaru Outback$1,170$585$98
2016 Subaru Outback$1,134$567$95
2015 Subaru Outback$1,040$520$87
2014 Subaru Outback$978$489$82
2013 Subaru Outback$1,028$514$86

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.
Subaru Outback Insurance Cost by Model Year

How does Subaru Outback insurance cost compare?

When compared to the entire midsize SUV category, car insurance for a 2021 Subaru Outback costs $200 less per year than the Jeep Grand Cherokee, $136 less than the Toyota Highlander, $6 less than the Ford Explorer, and $242 less than the Jeep Cherokee.

The Subaru Outback ranks #11 out of 27 total comparison vehicles in the midsize SUV segment. The Outback costs an average of $1,466 per year for full coverage insurance and the category median rate is $1,497 annually, a difference of $31 per year.

The table below shows how average Subaru Outback car insurance rates compare to the rest of the 2021 midsize SUV segment, ranked #1 through #27 for insurance affordability.

Subaru Outback Insurance vs Midsize SUV Segment
Rank Make/Model Insurance Cost Difference
1Ford Edge$1,274-$192
2Chevrolet Blazer$1,282-$184
3Honda Passport$1,290-$176
4Kia Telluride$1,308-$158
5Volkswagen Atlas$1,318-$148
6Subaru Ascent$1,324-$142
7Nissan Murano$1,370-$96
8Honda Pilot$1,376-$90
9Buick Enclave$1,430-$36
10Hyundai Palisade$1,434-$32
11Subaru Outback$1,466--
12Ford Explorer$1,472$6
13GMC Acadia$1,478$12
14Chevrolet Traverse$1,488$22
15Kia Sorento$1,494$28
16Toyota 4Runner$1,506$40
17Nissan Pathfinder$1,544$78
18Mazda CX-9$1,556$90
19Mitsubishi Outlander Sport$1,556$90
20Toyota Venza$1,566$100
21Hyundai Santa Fe$1,578$112
22Toyota Highlander$1,602$136
23Dodge Durango$1,642$176
24Jeep Grand Cherokee$1,666$200
25Jeep Cherokee$1,708$242
26Mitsubishi Outlander PHEV$1,714$248
27Tesla Model Y$1,964$498

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.
Subaru Outback Insurance vs Midsize SUV Segment

What is the cheapest Outback to insure?

The cheapest Subaru Outback insurance rates can be found on the base AWD model at $1,332 per year. The second cheapest trim is the Premium AWD at $1,378 per year, and the third cheapest trim level to insure is the Premium Navi/Moon Roof AWD at $1,424 per year.

For more well-appointed Outback trim levels, the most expensive car insurance rate is on the Outback Touring XT AWD at $1,530 per year.

In most cases, as the vehicle cost increases with added options or features, the cost of insurance will increases as well. Some exceptions to this rule may occur when a particular trim level has additional safety features that actually bring the cost of collision and/or liability down. More safety features can mean fewer accidents (automatic braking) and fewer liability bodily injury claims (pedestrian warning).

The next table shows average car insurance rates for both annual and 6-month policy terms for each 2021 Subaru Outback trim level.

2021 Subaru Outback Insurance Cost by Trim Level
Subaru Outback Trim Level Annual Policy 6-month Policy Per Month
AWD$1,332$666$111
Premium AWD$1,378$689$115
Premium Navi/Moon Roof AWD$1,424$712$119
Premium Plus AWD$1,424$712$119
Limited AWD$1,470$735$123
Onyx XT AWD$1,470$735$123
Limited Navi/Moon Roof AWD$1,484$742$124
Limited XT AWD$1,530$765$128
Onyx XT Navi/Moon Roof AWD$1,530$765$128
Touring AWD$1,530$765$128
Touring XT AWD$1,530$765$128

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Subaru Outback, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
Subaru Outback Insurance Cost by Trim Level

How much does 2022 Subaru Outback Wilderness insurance cost?

With the top-end 2021 Outback trims like the Limited, Onyx, and Touring costing an average of $1,370 per year for car insurance, we expect 2022 Outback Wilderness insurance rates to be similar when that model is released.

Can where I live affect the rate I pay?

Depending on where you live, auto insurance rates on an Outback vary considerably, from cheaper premiums like $1,006 a year in Charlotte, NC, or $1,064 in Columbus, OH, to higher rates such as $2,736 a year in New York City and $2,400 in Las Vegas, NV.

The cost to insure an Outback in some additional cities include Dallas, TX, at $1,528 per year, Omaha, NE, costing $1,324, Indianapolis, IN, at $1,446, and Nashville, TN, averaging $1,452.

The data below ranks average estimated Subaru Outback insurance cost in the highest populated cities in the United States. In addition, we also included a more comprehensive table that illustrates typical insurance rates for the top 50 largest cities in America.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2021 Subaru Outback, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Subaru Outback trim levels.
Subaru Outback Insurance Rates in Large U.S. Cities
Subaru Outback Insurance Rates by Location
City/State Annual Rate Monthly Rate
Detroit, MI$5,712$476
New Orleans, LA$3,400$283
Miami, FL$2,798$233
New York, NY$2,736$228
Philadelphia, PA$2,408$201
Las Vegas, NV$2,400$200
Los Angeles, CA$2,392$199
Louisville, KY$2,296$191
San Francisco, CA$2,054$171
Oakland, CA$2,040$170
Sacramento, CA$1,930$161
Baltimore, MD$1,886$157
Long Beach, CA$1,866$156
Tulsa, OK$1,824$152
Kansas City, MO$1,812$151
Oklahoma City, OK$1,812$151
Memphis, TN$1,772$148
Denver, CO$1,772$148
Atlanta, GA$1,748$146
Colorado Springs, CO$1,730$144
Fresno, CA$1,708$142
San Jose, CA$1,694$141
Phoenix, AZ$1,646$137
Portland, OR$1,626$136
San Diego, CA$1,614$135
Jacksonville, FL$1,610$134
Boston, MA$1,606$134
Wichita, KS$1,556$130
Chicago, IL$1,556$130
Dallas, TX$1,528$127
Houston, TX$1,522$127
Seattle, WA$1,516$126
Minneapolis, MN$1,504$125
Birmingham, AL$1,500$125
Nashville, TN$1,452$121
Indianapolis, IN$1,446$121
Milwaukee, WI$1,444$120
Mesa, AZ$1,438$120
Albuquerque, NM$1,416$118
Tucson, AZ$1,382$115
San Antonio, TX$1,366$114
Omaha, NE$1,324$110
Fort Worth, TX$1,314$110
El Paso, TX$1,312$109
Austin, TX$1,298$108
Cleveland, OH$1,122$94
Columbus, OH$1,064$89
Charlotte, NC$1,006$84
Virginia Beach, VA$946$79
Raleigh, NC$868$72

How do Outback insurance rates vary by state?

For more general average rates, states like Iowa ($970), Virginia ($942), and Maine ($928) tend to be on the cheaper side, while states like Louisiana ($2,166), Michigan ($2,628), and Rhode Island ($1,744) have higher insurance rates for a Subaru Outback.

Subaru Outback car insurance rates in most states fall closer to the average, with states like Tennessee, New Mexico, and Kansas included in this group with average Subaru Outback insurance rates of $1,214, $1,270, and $1,270 per year, respectively.

Subaru Outback Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,230$615$103
Alaska$1,150$575$96
Arizona$1,324$662$110
Arkansas$1,408$704$117
California$1,624$812$135
Colorado$1,566$783$131
Connecticut$1,604$802$134
Delaware$1,586$793$132
Florida$1,976$988$165
Georgia$1,514$757$126
Hawaii$1,164$582$97
Idaho$978$489$82
Illinois$1,038$519$87
Indiana$1,066$533$89
Iowa$970$485$81
Kansas$1,270$635$106
Kentucky$1,654$827$138
Louisiana$2,166$1,083$181
Maine$928$464$77
Maryland$1,352$676$113
Massachusetts$1,230$615$103
Michigan$2,628$1,314$219
Minnesota$1,298$649$108
Mississippi$1,304$652$109
Missouri$1,286$643$107
Montana$1,342$671$112
Nebraska$1,156$578$96
Nevada$1,640$820$137
New Hampshire$1,064$532$89
New Jersey$1,418$709$118
New Mexico$1,270$635$106
New York$1,626$813$136
North Carolina$998$499$83
North Dakota$1,126$563$94
Ohio$986$493$82
Oklahoma$1,576$788$131
Oregon$1,294$647$108
Pennsylvania$1,292$646$108
Rhode Island$1,744$872$145
South Carolina$1,360$680$113
South Dakota$1,214$607$101
Tennessee$1,214$607$101
Texas$1,418$709$118
Utah$1,198$599$100
Vermont$1,016$508$85
Virginia$942$471$79
Washington$1,150$575$96
West Virginia$1,300$650$108
Wisconsin$1,066$533$89
Wyoming$1,304$652$109

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Subaru Outback, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Subaru Outback trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.
Subaru Outback insurance rates by U.S. state