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 $1,558 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.

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 August 11, 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$2,616$218
$500$3,130$261
$250$3,678$307
30$1,000$1,368$114
$500$1,652$138
$250$1,946$162
40$1,000$1,298$108
$500$1,558$130
$250$1,828$152
50$1,000$1,186$99
$500$1,422$119
$250$1,666$139
60$1,000$1,168$97
$500$1,398$117
$250$1,640$137

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.

Subaru Outback Insurance Cost for 2013-2023 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2023 Subaru Outback$1,558$779$130
2022 Subaru Outback$1,556$778$130
2021 Subaru Outback$1,624$812$135
2020 Subaru Outback$1,602$801$134
2019 Subaru Outback$1,430$715$119
2018 Subaru Outback$1,372$686$114
2017 Subaru Outback$1,296$648$108
2016 Subaru Outback$1,220$610$102
2015 Subaru Outback$1,090$545$91
2014 Subaru Outback$1,052$526$88
2013 Subaru Outback$1,118$559$93

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 August 12, 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 $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.

Subaru Outback Insurance vs Midsize SUV Segment
Rank Make/Model Insurance Cost Difference
1Honda Passport$1,404-$154
2Subaru Ascent$1,472-$86
3Ford Edge$1,534-$24
4Ford Explorer$1,542-$16
5Volkswagen Atlas$1,546-$12
6Nissan Murano$1,554-$4
7Subaru Outback$1,558--
8Volkswagen Atlas Cross Sport$1,616$58
9Toyota Venza$1,650$92
10Kia Sorento$1,660$102
11Hyundai Palisade$1,680$122
12Toyota 4Runner$1,696$138
13GMC Acadia$1,726$168
14Chevrolet Traverse$1,730$172
15Honda Pilot$1,742$184
16Buick Enclave$1,748$190
17Nissan Pathfinder$1,760$202
18Mazda CX-9$1,762$204
19Mitsubishi Outlander Sport$1,790$232
20Kia Telluride$1,798$240
21Toyota Highlander$1,806$248
22Chevrolet Blazer$1,836$278
23Hyundai Santa Fe$1,858$300
24Jeep Grand Cherokee$1,926$368
25Jeep Cherokee$1,968$410
26Jeep Wrangler$2,008$450
27Ford Bronco$2,014$456
28Tesla Model Y$2,026$468
29Mitsubishi Outlander PHEV$2,072$514
30Dodge Durango$2,158$600
31Rivian R1S$2,216$658

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 August 11, 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 $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.

2023 Subaru Outback Insurance Cost by Trim Level
Subaru Outback Trim Level Annual Policy Six-Month Policy Per Month
Base AWD$1,422$711$119
Premium AWD$1,472$736$123
Onyx Edition AWD$1,520$760$127
Limited AWD$1,552$776$129
Onyx Edition XT AWD$1,594$797$133
Wilderness AWD$1,594$797$133
Limited XT AWD$1,610$805$134
Touring AWD$1,612$806$134
Touring XT AWD$1,640$820$137

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 August 12, 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 $1,110 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.

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 August 11, 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$2,706$226
Philadelphia, PA$2,406$201
Las Vegas, NV$2,400$200
Los Angeles, CA$2,396$200
San Francisco, CA$2,078$173
Kansas City, MO$1,854$155
Oklahoma City, OK$1,854$155
Denver, CO$1,816$151
Memphis, TN$1,816$151
Atlanta, GA$1,796$150
San Jose, CA$1,746$146
Phoenix, AZ$1,698$142
Portland, OR$1,678$140
San Diego, CA$1,668$139
Boston, MA$1,662$139
Jacksonville, FL$1,656$138
Chicago, IL$1,616$135
Dallas, TX$1,590$133
Houston, TX$1,580$132
Seattle, WA$1,578$132
Nashville, TN$1,518$127
Milwaukee, WI$1,512$126
Albuquerque, NM$1,484$124
San Antonio, TX$1,436$120
Omaha, NE$1,398$117
Fort Worth, TX$1,392$116
Austin, TX$1,374$115
Indianapolis, IN$1,254$105
Columbus, OH$1,158$97
Charlotte, NC$1,110$93

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.

Subaru Outback Average Insurance Cost by State for 2023
U.S. State Annual Cost Six-month Cost Monthly Cost
Alabama$1,398$699$117
Alaska$1,182$591$99
Arizona$1,426$713$119
Arkansas$1,624$812$135
California$1,870$935$156
Colorado$1,660$830$138
Connecticut$1,726$863$144
Delaware$1,760$880$147
Florida$1,916$958$160
Georgia$1,582$791$132
Hawaii$1,066$533$89
Idaho$1,114$557$93
Illinois$1,364$682$114
Indiana$1,164$582$97
Iowa$1,048$524$87
Kansas$1,526$763$127
Kentucky$1,660$830$138
Louisiana$1,832$916$153
Maine$946$473$79
Maryland$1,442$721$120
Massachusetts$1,688$844$141
Michigan$2,094$1,047$175
Minnesota$1,334$667$111
Mississippi$1,516$758$126
Missouri$1,746$873$146
Montana$1,426$713$119
Nebraska$1,300$650$108
Nevada$1,852$926$154
New Hampshire$1,048$524$87
New Jersey$1,874$937$156
New Mexico$1,280$640$107
New York$1,790$895$149
North Carolina$982$491$82
North Dakota$1,290$645$108
Ohio$1,092$546$91
Oklahoma$1,706$853$142
Oregon$1,450$725$121
Pennsylvania$1,492$746$124
Rhode Island$1,916$958$160
South Carolina$1,304$652$109
South Dakota$1,594$797$133
Tennessee$1,476$738$123
Texas$1,442$721$120
Utah$1,364$682$114
Vermont$1,136$568$95
Virginia$1,040$520$87
Washington$1,402$701$117
West Virginia$1,386$693$116
Wisconsin$1,118$559$93
Wyoming$1,384$692$115

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 August 11, 2023
Subaru Outback insurance rates by U.S. state