Subaru Outback Car Insurance Cost 2024

Jason MetzLead Editor, Insurance

As a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others make well-informed decisions.

Jason Metz

Jason MetzLead Editor, Insurance

Lead Editor, Insurance

Penny GusnerInsurance Writer and Analyst

Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance into easy-to-understand advice and tips to help consumers make the best choices for their needs. Her work has been featured in numerous major media outlets, including The Washington Post and Kiplinger’s.

Fact Checked

Penny Gusner

Penny GusnerInsurance Writer and Analyst

Insurance Writer and Analyst

Fact Checked

Updated: May 14, 2024, 8:53am

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

Subaru

Subaru Outback auto insurance at a glance:

Average car insurance rate for a 40-year-old driver: $1,848 a year
Cheapest insurance companies for Subaru Outback auto insurance: Erie, Nationwide, Travelers
Lowest-cost state for Outback insurance: North Carolina
Most expensive state for Outback insurance: Louisiana

Subaru Outback Insurance Costs by Company

Drivers of Subaru Outback vehicles could save a significant amount by comparing car insurance quotes from multiple companies. Our analysis of leading insurers found that Erie is the cheapest choice for insuring an Outback. The runner-up was Nationwide.

Subaru Outback Insurance Costs by State

The variations in Subaru Outback insurance rates across states are generally due to factors such as historical claims data, accident injury costs, vehicle repair costs and state laws. When it comes to insuring a Subaru, Louisiana tops the list as the most expensive, while North Carolina ranks as the most affordable.

Cost of Insurance for a Subaru Outback Based on Driver Age

Our analysis found that 60 is the least expensive age for insuring a Subaru Outback.

Conversely, we found that drivers age 20 will have the highest insurance bills.

There are multiple factors that go into calculating your own car insurance rates. These generally include your driving record, your garaging address (where you keep the vehicle), annual mileage, your credit-based insurance score (poor credit risks pay more), your past auto insurance claims, the type of the vehicle, any recent lapse in your car insurance and the types and amount of insurance you have.

How to Save Money on Subaru Outback Car Insurance

There are several ways you can lower car insurance costs, such as:

Compare car insurance quotes. Auto insurance companies each have their own formula for pricing insurance for a Subaru Outback. The best way to find a low rate is to compare car insurance quotes from several companies.
Buy the right amount of car insurance. While you want to make sure you are adequately insured, you also don’t want to end up buying unnecessary insurance for an Outback. Here are tips for deciding how much car insurance you need.
Maintain the best possible credit score. Insurers in most states can use your credit-based insurance score as a factor in setting rates. But not all insurers give credit the same weight in pricing, which is why it’s wise to get multiple quotes.
Raise your deductible. Usually the higher the car insurance deductible, the less you pay in premiums. Common deductible amounts range from $250 to $2,000 and up.

Methodology

Unless otherwise noted, rates are based on a 40-year-old female with a good driving record and insuring a new vehicle. Rates shown are for coverage of $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (100/300/100), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other coverage required in a state. Source: Quadrant Information Services.

*USAA car insurance is available only to military members, veterans and their families.