Subaru Outback Car Insurance Rates for 2023

We break down insurance prices from the base AWD model up to the Touring XT AWD trim level to look at how insurance rates on the Outback measure up to the entire midsize SUV segment.

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  • Subaru Outback insurance costs an average of $1,518 per year or around $127 per month, depending on the trim level.
  • Out of 31 vehicles in the 2023 model year midsize SUV segment, the Outback ranks seventh for insurance affordability.
  • The Outback base AWD trim level is the cheapest to insure at around $1,386 per year. The most expensive trim is the Touring XT AWD at $1,598 per year.
  • Subaru Outback car insurance rates in a few larger cities include $1,636 in San Diego, CA, $1,556 in Dallas, TX, and $1,666 in Phoenix, AZ.

How much does Subaru Outback insurance cost?

Subaru Outback insurance averages around $1,518 a year, or around $127 monthly. You can expect to pay about $206 less annually to insure a Subaru Outback compared to the average rate for midsize SUVs, and $167 less per year than the $1,685 average for all vehicles.

The chart below shows how average car insurance rates for a 2023 Outback change based on driver age and a range of policy deductibles. Insurance rate averages vary from a low of $1,140 per year for a driver age 60 with high physical damage deductibles to the highest rate of $3,586 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 2023 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.Data last updated on March 2, 2023
Subaru Outback Car Insurance Rates
2023 Subaru Outback Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,548$212
$500$3,050$254
$250$3,586$299
30$1,000$1,334$111
$500$1,610$134
$250$1,896$158
40$1,000$1,266$106
$500$1,518$127
$250$1,782$149
50$1,000$1,158$97
$500$1,386$116
$250$1,626$136
60$1,000$1,140$95
$500$1,364$114
$250$1,600$133

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 Virginia or Iowa 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 $12,844 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 2023 model years.

Subaru Outback Insurance Cost for 2013-2023 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2023 Subaru Outback$1,518$759$127
2022 Subaru Outback$1,514$757$126
2021 Subaru Outback$1,584$792$132
2020 Subaru Outback$1,562$781$130
2019 Subaru Outback$1,394$697$116
2018 Subaru Outback$1,336$668$111
2017 Subaru Outback$1,264$632$105
2016 Subaru Outback$1,188$594$99
2015 Subaru Outback$1,064$532$89
2014 Subaru Outback$1,026$513$86
2013 Subaru Outback$1,090$545$91

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.Data last updated on March 2, 2023
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 2023 Subaru Outback costs $358 less per year than the Jeep Grand Cherokee, $244 less than the Toyota Highlander, $14 more than the Ford Explorer, and $396 less than the Jeep Cherokee.

The Subaru Outback ranks seventh out of 31 total comparison vehicles in the midsize SUV segment. The Outback costs an average of $1,518 per year for full coverage insurance and the category median rate is $1,724 annually, a difference of $206 per year.

The table below shows how average Subaru Outback car insurance rates compare to the rest of the 2023 midsize SUV segment, ranked #1 through #31 for insurance affordability.

Subaru Outback Insurance vs Midsize SUV Segment
Rank Make/Model Insurance Cost Difference
1Honda Passport$1,368-$150
2Subaru Ascent$1,434-$84
3Ford Edge$1,494-$24
4Ford Explorer$1,504-$14
5Volkswagen Atlas$1,506-$12
6Nissan Murano$1,516-$2
7Subaru Outback$1,518--
8Volkswagen Atlas Cross Sport$1,576$58
9Toyota Venza$1,608$90
10Kia Sorento$1,618$100
11Hyundai Palisade$1,638$120
12Toyota 4Runner$1,654$136
13GMC Acadia$1,682$164
14Chevrolet Traverse$1,684$166
15Honda Pilot$1,696$178
16Buick Enclave$1,702$184
17Nissan Pathfinder$1,712$194
18Mazda CX-9$1,720$202
19Mitsubishi Outlander Sport$1,744$226
20Kia Telluride$1,754$236
21Toyota Highlander$1,762$244
22Chevrolet Blazer$1,786$268
23Hyundai Santa Fe$1,810$292
24Jeep Grand Cherokee$1,876$358
25Jeep Cherokee$1,914$396
26Jeep Wrangler$1,952$434
27Ford Bronco$1,962$444
28Tesla Model Y$1,970$452
29Mitsubishi Outlander PHEV$2,018$500
30Dodge Durango$2,102$584
31Rivian R1S$2,160$642

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on March 2, 2023
Subaru Outback Insurance vs Midsize SUV Segment

By factoring the MSRP for each vehicle in the segment, we can compare rates between the Outback and other SUV models that are closest in price. A 2023 Outback has an average purchase price of $36,306 and ranges from $28,395 to $42,292.

The midsize non-luxury SUVs that have the most similar average MSRP to the Outback for the 2023 model year are the Jeep Cherokee, Hyundai Santa Fe, Toyota Venza, and Kia Sorento.

The list below shows how those models compare to the Subaru Outback by sticker price and average insurance cost. For additional makes and models, please see our insurance rate comparison page.

  • Compared to the Jeep Cherokee – The 2023 Jeep Cherokee sells for an average of $36,678 ($34,859 to $39,345), which is $372 more expensive than the average MSRP for the Subaru Outback. The cost to insure a 2023 Outback compared to the Jeep Cherokee is $396 less per year on average.
  • Compared to the Hyundai Santa Fe – The Hyundai Santa Fe sells for an average of $37,841, ranging from $34,859 to $46,010, which is $1,535 more expensive than the Subaru Outback. The cost to insure a 2023 Outback compared to the Hyundai Santa Fe is $292 less every 12 months on average.
  • Compared to the Toyota Venza – Having an average MSRP of $38,018 ($33,595 to $41,740), the Toyota Venza costs $1,712 more than the average MSRP for the Subaru Outback. Car insurance on the Toyota Venza costs an average of $90 more each year than the Subaru Outback.
  • Compared to the Kia Sorento – For a new model, the sticker price on the Kia Sorento averages $2,520 more than the average sticker price for the Subaru Outback ($38,826 compared to $36,306). Expect to pay an average of $100 more every 12 months for full-coverage insurance on the Kia Sorento compared to an Outback.

What is the cheapest Outback to insure?

The cheapest Subaru Outback insurance rates can be found on the base AWD model at $1,386 per year. The second cheapest trim is the Premium AWD at $1,432 per year, and the third cheapest trim level to insure is the Onyx Edition AWD at $1,484 per year.

For more well-appointed Outback trim levels, the most expensive car insurance rate is on the Outback Touring XT AWD at $1,598 per year.

In most cases, as the vehicle cost increases with added options or features, the cost of insurance will increase 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 2023 Subaru Outback trim level.

2023 Subaru Outback Insurance Cost by Trim Level
Subaru Outback Trim Level Annual Policy Six-Month Policy Per Month
Base AWD$1,386$693$116
Premium AWD$1,432$716$119
Onyx Edition AWD$1,484$742$124
Limited AWD$1,512$756$126
Onyx Edition XT AWD$1,556$778$130
Wilderness AWD$1,556$778$130
Limited XT AWD$1,568$784$131
Touring AWD$1,570$785$131
Touring XT AWD$1,598$799$133

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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.Data last updated on March 2, 2023
Subaru Outback Insurance Cost by Trim Level

Average Outback insurance rates where you live

Depending on where you live, auto insurance rates on an Outback vary considerably, from cheaper premiums like $1,074 a year in Charlotte, NC, or $1,126 in Columbus, OH, to higher rates such as $2,674 a year in New York City and $2,368 in Las Vegas, NV.

The cost to insure an Outback in some additional cities include Dallas, TX, at $1,556 per year, Omaha, NE, costing $1,364, Indianapolis, IN, at $1,222, and Nashville, TN, averaging $1,486.

The data below ranks average estimated Subaru Outback insurance cost in the highest populated cities in the United States.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 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.Data last updated on March 2, 2023
Subaru Outback Insurance Rates in Large U.S. Cities
Subaru Outback Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,674$223
Philadelphia, PA$2,374$198
Las Vegas, NV$2,368$197
Los Angeles, CA$2,362$197
San Francisco, CA$2,042$170
Kansas City, MO$1,818$152
Oklahoma City, OK$1,818$152
Denver, CO$1,784$149
Memphis, TN$1,784$149
Atlanta, GA$1,760$147
San Jose, CA$1,708$142
Phoenix, AZ$1,666$139
Portland, OR$1,644$137
San Diego, CA$1,636$136
Jacksonville, FL$1,628$136
Boston, MA$1,628$136
Chicago, IL$1,580$132
Dallas, TX$1,556$130
Houston, TX$1,550$129
Seattle, WA$1,546$129
Nashville, TN$1,486$124
Milwaukee, WI$1,482$124
Albuquerque, NM$1,452$121
San Antonio, TX$1,406$117
Omaha, NE$1,364$114
Fort Worth, TX$1,360$113
Austin, TX$1,340$112
Indianapolis, IN$1,222$102
Columbus, OH$1,126$94
Charlotte, NC$1,074$90

Average Outback insurance cost by U.S. state

On a state level, some of the cheapest states to insure a Subaru Outback in include Iowa at an average cost of $914 per year, North Carolina at $1,014 per year, and Maine at $948 per year.

Subaru Outback car insurance rates in most states fall closer to the average, with states like Arizona, Texas, and Montana included in this group with average Subaru Outback insurance rates of $1,392, $1,408, and $1,394 per year, respectively.

Subaru Outback Average Insurance Cost by State for 2023
U.S. State Annual Cost Six-month Cost Monthly Cost
Alabama$1,366$683$114
Alaska$1,148$574$96
Arizona$1,392$696$116
Arkansas$1,588$794$132
California$1,834$917$153
Colorado$1,628$814$136
Connecticut$1,690$845$141
Delaware$1,726$863$144
Florida$1,888$944$157
Georgia$1,550$775$129
Hawaii$1,036$518$86
Idaho$1,084$542$90
Illinois$1,330$665$111
Indiana$1,132$566$94
Iowa$1,014$507$85
Kansas$1,494$747$125
Kentucky$1,626$813$136
Louisiana$1,808$904$151
Maine$914$457$76
Maryland$1,410$705$118
Massachusetts$1,656$828$138
Michigan$2,074$1,037$173
Minnesota$1,300$650$108
Mississippi$1,482$741$124
Missouri$1,714$857$143
Montana$1,394$697$116
Nebraska$1,268$634$106
Nevada$1,816$908$151
New Hampshire$1,016$508$85
New Jersey$1,840$920$153
New Mexico$1,246$623$104
New York$1,760$880$147
North Carolina$948$474$79
North Dakota$1,256$628$105
Ohio$1,058$529$88
Oklahoma$1,674$837$140
Oregon$1,418$709$118
Pennsylvania$1,456$728$121
Rhode Island$1,882$941$157
South Carolina$1,274$637$106
South Dakota$1,558$779$130
Tennessee$1,444$722$120
Texas$1,408$704$117
Utah$1,328$664$111
Vermont$1,102$551$92
Virginia$1,010$505$84
Washington$1,372$686$114
West Virginia$1,354$677$113
Wisconsin$1,084$542$90
Wyoming$1,348$674$112

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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.Data last updated on March 2, 2023
Subaru Outback insurance rates by U.S. state