Subaru Outback Car Insurance Rates for 2023

• Subaru Outback insurance costs an average of $1,558 per year or around $130 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 $1,422 per year. The most expensive trim is the Touring XT AWD at $1,640 per year.
• Subaru Outback car insurance rates in a few larger cities include $1,668 in San Diego, CA, $1,590 in Dallas, TX, and $1,698 in Phoenix, AZ.

How much does Subaru Outback insurance cost?

Subaru Outback insurance averages around $1,558 a year, or around $130 monthly. You can expect to pay about $212 less annually to insure a Subaru Outback compared to the average rate for midsize SUVs, and $170 less per year than the $1,728 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 $1,168 per year for a driver age 60 with high physical damage deductibles to the highest rate of $3,678 each year for a driver age 20 with low deductibles.

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 $12,974 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.

How does Subaru Outback insurance cost compare?

When compared to the entire midsize SUV category, car insurance for a 2023 Subaru Outback costs $368 less per year than the Jeep Grand Cherokee, $248 less than the Toyota Highlander, $16 more than the Ford Explorer, and $410 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 $1,558 per year for full coverage insurance and the category median rate is $1,770 annually, a difference of $212 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.

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 $410 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 $300 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 $92 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 $102 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 $1,422 per year. The second cheapest trim is the Premium AWD at $1,472 per year, and the third cheapest trim level to insure is the Onyx Edition AWD at $1,520 per year.

For more well-appointed Outback trim levels, the most expensive car insurance rate is on the Outback Touring XT AWD at $1,640 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.

Average Outback insurance rates where you live

Depending on where you live, auto insurance rates on an Outback vary considerably, from cheaper premiums like $1,110 a year in Charlotte, NC, or $1,158 in Columbus, OH, to higher rates such as $2,706 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 $1,590 per year, Omaha, NE, costing $1,398, Indianapolis, IN, at $1,254, and Nashville, TN, averaging $1,518.

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

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 $946 per year, North Carolina at $1,048 per year, and Maine at $982 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 $1,426, $1,442, and $1,426 per year, respectively.