Subaru Outback Car Insurance Rates for 2022

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 $1,398 per year or around $117 per month, depending on the trim level.
  • Out of 29 vehicles in the 2022 model year midsize SUV segment, the Outback ranks #4 for insurance affordability.
  • The Outback AWD trim level is the cheapest to insure at around $1,248 per year. The most expensive trim is the Touring XT AWD at $1,464 per year.
  • Subaru Outback car insurance rates in a few larger cities include $1,572 in San Diego, CA, $1,492 in Dallas, TX, and $1,604 in Phoenix, AZ.

How much does Subaru Outback insurance cost?

Subaru Outback insurance averages around $1,398 a year, or around $117 monthly. You can expect to pay about $146 less annually to insure a Subaru Outback compared to the average rate for midsize SUVs, and $169 less per year than the $1,567 average for all vehicles.

The chart below shows how average car insurance rates for a 2022 Outback change based on driver age and a range of policy deductibles. Insurance rate averages vary from a low of $1,046 per year for a driver age 60 with high physical damage deductibles to the highest rate of $3,292 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 2022 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 November 28, 2022
Subaru Outback Car Insurance Rates
Subaru Outback Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,334$195
$500$2,800$233
$250$3,292$274
30$1,000$1,228$102
$500$1,484$124
$250$1,752$146
40$1,000$1,164$97
$500$1,398$117
$250$1,644$137
50$1,000$1,064$89
$500$1,276$106
$250$1,498$125
60$1,000$1,046$87
$500$1,254$105
$250$1,472$123

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 eight Outback models and all 41,692 zip codes in the U.S., the end result would be 774,144,000,000 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 $15,796 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 2022 model years.

Subaru Outback Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Subaru Outback$1,398$699$117
2021 Subaru Outback$1,452$726$121
2020 Subaru Outback$1,426$713$119
2019 Subaru Outback$1,288$644$107
2018 Subaru Outback$1,236$618$103
2017 Subaru Outback$1,188$594$99
2016 Subaru Outback$1,106$553$92
2015 Subaru Outback$1,018$509$85
2014 Subaru Outback$964$482$80
2013 Subaru Outback$1,016$508$85

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 November 28, 2022
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 2022 Subaru Outback costs $282 less per year than the Jeep Grand Cherokee, $136 less than the Toyota Highlander, $36 less than the Ford Explorer, and $294 less than the Jeep Cherokee.

The Subaru Outback ranks #4 out of 29 total comparison vehicles in the midsize SUV segment. The Outback costs an average of $1,398 per year for full coverage insurance and the category median rate is $1,544 annually, a difference of $146 per year.

The table below shows how average Subaru Outback car insurance rates compare to the rest of the 2022 midsize SUV segment, ranked #1 through #29 for insurance affordability.

Subaru Outback Insurance vs Midsize SUV Segment
Rank Make/Model Insurance Cost Difference
1Honda Passport$1,224-$174
2Subaru Ascent$1,310-$88
3Ford Edge$1,374-$24
4Subaru Outback$1,398--
5Nissan Murano$1,416$18
6Toyota Venza$1,424$26
7Ford Explorer$1,434$36
8Kia Sorento$1,444$46
9Hyundai Palisade$1,462$64
10Volkswagen Atlas$1,472$74
11Toyota 4Runner$1,488$90
12Volkswagen Atlas Cross Sport$1,528$130
13Mazda CX-9$1,530$132
14GMC Acadia$1,532$134
15Toyota Highlander$1,534$136
16Nissan Pathfinder$1,540$142
17Honda Pilot$1,546$148
18Mitsubishi Outlander Sport$1,548$150
19Buick Enclave$1,562$164
20Chevrolet Traverse$1,568$170
21Hyundai Santa Fe$1,590$192
22Kia Telluride$1,596$198
23Chevrolet Blazer$1,610$212
24Jeep Grand Cherokee$1,680$282
25Jeep Cherokee$1,692$294
26Mitsubishi Outlander PHEV$1,768$370
27Dodge Durango$1,788$390
28Tesla Model Y$1,804$406
29Rivian R1S$1,902$504

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 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.Data last updated on November 28, 2022
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 2022 Outback has an average purchase price of $34,658 and ranges from $26,945 to $39,945.

The midsize non-luxury SUVs that have the most similar average MSRP to the Outback for the 2022 model year are the Jeep Cherokee, Hyundai Santa Fe, Toyota Venza, and Kia Telluride.

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 2022 Jeep Cherokee sells for an average of $33,775 ($28,135 to $40,275), which is $883 cheaper than the average MSRP for the Subaru Outback. The cost to insure a 2022 Outback compared to the Jeep Cherokee is $294 less per year on average.
  • Compared to the Hyundai Santa Fe – The Hyundai Santa Fe sells for an average of $36,505, ranging from $28,135 to $45,360, which is $1,847 more expensive than the Subaru Outback. The cost to insure a 2022 Outback compared to the Hyundai Santa Fe is $192 less every 12 months on average.
  • Compared to the Toyota Venza – Having an average MSRP of $36,565 ($32,890 to $40,380), the Toyota Venza costs $1,907 more than the average MSRP for the Subaru Outback. Car insurance on the Toyota Venza costs an average of $26 more each year than the Subaru Outback.
  • Compared to the Kia Telluride – For a new model, the sticker price on the Kia Telluride averages $2,782 more than the average sticker price for the Subaru Outback ($37,440 compared to $34,658). Expect to pay an average of $198 more every 12 months for full-coverage insurance on the Kia Telluride 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 $1,248 per year. The second cheapest trim is the Premium AWD at $1,294 per year, and the third cheapest trim level to insure is the Onyx Edition XT AWD at $1,402 per year.

For more well-appointed Outback trim levels, the most expensive car insurance rate is on the Outback Touring XT AWD at $1,464 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 2022 Subaru Outback trim level.

2022 Subaru Outback Insurance Cost by Trim Level
Subaru Outback Trim Level Annual Policy 6-month Policy Per Month
AWD$1,248$624$104
Premium AWD$1,294$647$108
Onyx Edition XT AWD$1,402$701$117
Limited AWD$1,426$713$119
Wilderness AWD$1,446$723$121
Touring AWD$1,448$724$121
Limited XT AWD$1,458$729$122
Touring XT AWD$1,464$732$122

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 November 28, 2022
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 $1,000 a year in Charlotte, NC, or $1,052 in Columbus, OH, to higher rates such as $2,638 a year in New York City and $2,324 in Las Vegas, NV.

The cost to insure an Outback in some additional cities include Dallas, TX, at $1,492 per year, Omaha, NE, costing $1,296, Indianapolis, IN, at $1,406, and Nashville, TN, averaging $1,420.

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 2022 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 November 28, 2022
Subaru Outback Insurance Rates in Large U.S. Cities
Subaru Outback Insurance Rates by Location
City/State Annual Rate Monthly Rate
Detroit, MI$5,470$456
New Orleans, LA$3,268$272
Miami, FL$2,700$225
New York, NY$2,638$220
Philadelphia, PA$2,330$194
Las Vegas, NV$2,324$194
Los Angeles, CA$2,316$193
Louisville, KY$2,222$185
San Francisco, CA$1,990$166
Jacksonville, FL$1,980$165
Oakland, CA$1,978$165
Sacramento, CA$1,874$156
Baltimore, MD$1,832$153
Long Beach, CA$1,816$151
Tulsa, OK$1,774$148
Oklahoma City, OK$1,762$147
Kansas City, MO$1,762$147
Denver, CO$1,724$144
Memphis, TN$1,724$144
Atlanta, GA$1,700$142
Colorado Springs, CO$1,686$141
Fresno, CA$1,664$139
San Jose, CA$1,652$138
Phoenix, AZ$1,604$134
Portland, OR$1,584$132
San Diego, CA$1,572$131
Boston, MA$1,566$131
Chicago, IL$1,520$127
Wichita, KS$1,520$127
Dallas, TX$1,492$124
Houston, TX$1,484$124
Seattle, WA$1,482$124
Minneapolis, MN$1,468$122
Birmingham, AL$1,464$122
Nashville, TN$1,420$118
Milwaukee, WI$1,412$118
Indianapolis, IN$1,406$117
Mesa, AZ$1,406$117
Albuquerque, NM$1,388$116
Tucson, AZ$1,354$113
San Antonio, TX$1,338$112
Omaha, NE$1,296$108
Fort Worth, TX$1,290$108
El Paso, TX$1,286$107
Austin, TX$1,272$106
Cleveland, OH$1,108$92
Columbus, OH$1,052$88
Charlotte, NC$1,000$83
Virginia Beach, VA$938$78
Raleigh, NC$872$73

How do Outback insurance rates vary by state?

For more general average rates, states like Iowa ($1,010), Virginia ($902), and Maine ($966) tend to be on the cheaper side, while states like Louisiana ($2,024), Michigan ($2,226), and Rhode Island ($1,646) 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 $1,104, $1,120, and $1,406 per year, respectively.

Subaru Outback Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,140$570$95
Alaska$1,226$613$102
Arizona$1,244$622$104
Arkansas$1,492$746$124
California$1,600$800$133
Colorado$1,492$746$124
Connecticut$1,354$677$113
Delaware$1,420$710$118
Florida$2,042$1,021$170
Georgia$1,352$676$113
Hawaii$950$475$79
Idaho$1,104$552$92
Illinois$1,128$564$94
Indiana$1,044$522$87
Iowa$1,010$505$84
Kansas$1,406$703$117
Kentucky$1,626$813$136
Louisiana$2,024$1,012$169
Maine$966$483$81
Maryland$1,262$631$105
Massachusetts$1,142$571$95
Michigan$2,226$1,113$186
Minnesota$1,228$614$102
Mississippi$1,320$660$110
Missouri$1,482$741$124
Montana$1,362$681$114
Nebraska$1,336$668$111
Nevada$1,532$766$128
New Hampshire$840$420$70
New Jersey$1,320$660$110
New Mexico$1,120$560$93
New York$1,484$742$124
North Carolina$886$443$74
North Dakota$1,160$580$97
Ohio$812$406$68
Oklahoma$1,358$679$113
Oregon$1,170$585$98
Pennsylvania$1,174$587$98
Rhode Island$1,646$823$137
South Carolina$1,286$643$107
South Dakota$1,266$633$106
Tennessee$1,104$552$92
Texas$1,316$658$110
Utah$1,154$577$96
Vermont$928$464$77
Virginia$902$451$75
Washington$1,060$530$88
West Virginia$1,258$629$105
Wisconsin$950$475$79
Wyoming$1,284$642$107

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 November 28, 2022
Subaru Outback insurance rates by U.S. state