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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Subaru Outback drivers generally pay less for auto insurance than drivers of many other cars, according to our research. On average, Outback drivers pay $82 per month for liability-only policies and $151 for full coverage — both well below the U.S. national averages for all vehicles.
Mile Auto offers the lowest average rate for Outback drivers — just $52 per month, according to our data. But multiple factors like your age, driving history, location, and your car’s model can affect your rate.
In this guide, we’ll break down how those factors influence your insurance costs. Plus, we’ll explore some of the cheapest car insurance companies for your Outback.
The average Subaru Outback driver pays $36 less each month for car insurance than the U.S. national average.
Teens pay the most for Outback coverage, averaging $219 per month. But seniors pay as little as $40.
Mile Auto, Travelers, and Certainly are among the most affordable insurers for your Outback.
The cost to insure your Subaru Outback depends heavily on the coverage you choose. Liability car insurance is typically cheaper but only covers damage you cause to others and their property. Full-coverage policies include comprehensive and collision coverage to protect you and your vehicle, but they’re usually more expensive.
The table below compares the Outback’s average insurance costs with the U.S. national averages for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Subaru Outback | $82 | $151 | $116 |
| All vehicles | $107 | $197 | $152 |
On average, Outback drivers pay $25 less per month for liability-only coverage and $46 less for full coverage than the average U.S. driver. But your exact rate might differ, depending on several factors.
In the next few sections, we’ll explain how your driving record, age, location, and even your vehicle’s model year can affect your premium.
Even though your insurance rates vary by your driving history and location, you always have ways to save money on your Subaru Outback coverage.
We’ve broken down the five cheapest companies for the Outback in the table below, based on average monthly premium data from Compare.com.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $52 |
| Travelers | $56 |
| Certainly | $59 |
| Nationwide | $63 |
| Clearcover | $65 |
Mile Auto has the lowest average rate for most Outback drivers — just $52 per month. That said, your cheapest option could differ depending on your driving history, location, and vehicle. That’s why shopping around is always a smart idea.
Next, we’ll look at which insurers have the best rates for different types of Outback drivers.
Compare quotes from 100+ top insurance companies.
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Choosing the right insurer for your Subaru Outback involves balancing cost, coverage options, and customer service. There’s no single best company for everyone. Your ideal choice depends on factors like your driving history, age, and location.
We chose some of the best insurers for your Outback based on their competitive rates, available discounts, positive customer reviews, and comprehensive coverage options. Let’s explore them below.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm stands out for its wide range of coverage choices and discounts. It also offers the Drive Safe & Save telematics program, which rewards your good driving habits. With a massive network of over 19,000 local agents and easy-to-use digital tools, State Farm delivers personal support and modern convenience.
But you can’t get State Farm car insurance if you live in Massachusetts or Rhode Island. And you’ll need to look elsewhere if you want specialized coverages like gap insurance or accident forgiveness.
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Travelers offers car insurance that you can bundle with its home, renters, pet, and other insurance products. You can also get minor violation and accident forgiveness to help keep your rates low.
But despite earning the highest customer satisfaction score in New York from J.D. Power, Travelers ranks poorly in every other region.
Many coverage options available
Offers many insurance products
Few customer complaints
Below-average claims ratings
Below-average customer satisfaction ratings
Mixed mobile app reviews
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 641 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $93/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $174/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide offers many coverage options, including accident forgiveness, diminishing deductible, gap insurance, and a total loss deductible waiver. Plus, the company’s SmartMiles program is the highest-rated pay-per-mile insurance option, according to J.D. Power.
But Nationwide receives more overall complaints than average and ranks poorly for customer satisfaction in some regions. It performs well in other areas, though — particularly the Southeast and North Central regions.
Many coverage options available
User-friendly online and mobile tools
Ranked No. 4 for claims satisfaction by J.D. Power
Mixed customer reviews
Offers fewer discounts than competitors
Electric vehicle discount not available
Comparing quotes from multiple insurers is the best way to find great coverage.
Your Outback’s age can affect how much you pay for car insurance. Newer vehicles tend to cost more to insure because they’re generally more expensive to repair and replace. On the other hand, older cars are generally cheaper to insure, especially if they significantly depreciate.
The table below shows the average monthly premium for each Outback model year, the lowest available rate, and the cheapest insurer, according to Compare.com data.
Outback Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $147 | Mile Auto | $65 |
| 2024 | $156 | Mile Auto | $70 |
| 2023 | $150 | Mile Auto | $67 |
| 2022 | $122 | Mile Auto | $55 |
| 2021 | $118 | Mile Auto | $53 |
| 2020 | $121 | Mile Auto | $54 |
| 2019 | $116 | Mile Auto | $52 |
| 2018 | $115 | Mile Auto | $51 |
| 2017 | $111 | Mile Auto | $50 |
| 2016 | $105 | Mile Auto | $47 |
| 2015 | $111 | Mile Auto | $50 |
| 2014 | $106 | Mile Auto | $47 |
As expected, rates are highest for newer Outbacks and lower for older models. Now, let’s look at another factor influencing your insurance costs — your location.
Where you live also has a major effect on your car insurance rates. Factors like traffic density, accident rates, weather patterns, and local insurance laws all contribute to your premium’s cost.
The table below lists each state’s average monthly premium for the Subaru Outback, according to the most recent data from Compare.com.
State | Average Monthly Premium |
|---|---|
| Alabama | $77 |
| Arizona | $103 |
| Arkansas | $147 |
| California | $148 |
| Colorado | $120 |
| Connecticut | $234 |
| Delaware | $142 |
| Florida | $150 |
| Georgia | $152 |
| Idaho | $77 |
| Illinois | $96 |
| Indiana | $83 |
| Iowa | $70 |
| Kansas | $94 |
| Kentucky | $150 |
| Louisiana | $139 |
| Maine | $91 |
| Maryland | $211 |
| Massachusetts | $116 |
| Michigan | $180 |
| Minnesota | $116 |
| Mississippi | $116 |
| Missouri | $113 |
| Montana | $93 |
| Nebraska | $108 |
| Nevada | $183 |
| New Hampshire | $70 |
| New Jersey | $122 |
| New Mexico | $89 |
| New York | $296 |
| North Carolina | $57 |
| North Dakota | $89 |
| Ohio | $78 |
| Oklahoma | $100 |
| Oregon | $99 |
| Pennsylvania | $100 |
| Rhode Island | $88 |
| South Carolina | $168 |
| South Dakota | $74 |
| Tennessee | $87 |
| Texas | $136 |
| Utah | $112 |
| Vermont | $83 |
| Virginia | $111 |
| Washington | $86 |
| District of Columbia | $175 |
| West Virginia | $89 |
| Wisconsin | $78 |
| Wyoming | $74 |
Insurance rates don’t just vary by location — your age is often just as important. Next, we’ll examine how your age affects your Outback insurance costs.
Age is one of the most important factors insurers use to determine your Subaru Outback insurance rate. Younger drivers, especially teens, usually pay more due to their higher accident risk.[3] Rates typically hit their lowest costs when you’re between 65 and 74 — that’s when accident rates and driving frequency usually decrease.[4] [5]
The table below shows average monthly Outback insurance premiums by age group, plus the most affordable insurer and its lowest available rates, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $219 | Mile Auto | $98 |
| Adults | $106 | Mile Auto | $47 |
| Seniors | $90 | Mile Auto | $40 |
The steepest drop in premiums happens when teen drivers become adults — an average difference of $113 per month for Outback drivers, specifically. Senior drivers enjoy low rates, with Mile Auto offering the cheapest average monthly rate — just $40.
Your driving record also plays a major role in how much you pay for your Subaru Outback insurance. Insurers use your driving history to assess risk, and a single ticket, accident, or DUI can increase your premiums.
Let’s look at the Outback’s average monthly rates and cheapest insurers for different driving infractions, according to data from Compare.com.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $116 | Mile Auto | $52 |
| Speeding ticket | $162 | Mile Auto | $75 |
| At-fault accident | $168 | Mile Auto | $75 |
| DUI | $191 | Mile Auto | $85 |
Rates can climb quickly after a single incident. For example, Outback drivers with a DUI pay $75 more per month on average than drivers with clean records. But Mile Auto tends to offer the lowest rates for almost all Outback drivers, regardless of incident.
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Your Subaru Outback’s features and options can also influence your insurance prices. Insurers consider repair costs, your likelihood of filing a claim, and safety features when setting rates. Some Outback features that may affect your rates include:
EyeSight driver assist technology: Standard on most trims, this system reduces your crash risk and often qualifies you for safety discounts.[6]
All-wheel drive (AWD): While Subaru’s Symmetrical All-Wheel Drive improves traction and control,[7] it can also increase repair costs, which may raise your premium.
Power tilt and sliding moonroof: Moonroofs are often expensive to replace or repair, which can increase your comprehensive and collision coverage premiums.
Premium trims and performance upgrades: Sticking with base or mid-level trims generally saves you money on your insurance. Premium trims with leather interiors or advanced electronics can drive up repair costs — and your insurance rates.
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You have several ways to lower your insurance costs for your Subaru Outback, including:
Bundle your policies: Many insurers offer discounts for combining your auto coverage with home, renters, or other policies.
Complete a defensive driving course: Some insurers offer discounts if you complete an approved safe driving program, especially if you’re younger than 25 or older than 55.
Choose a higher deductible: Opting for a higher deductible can reduce your monthly premium. Just make sure you have emergency savings to cover your deductible in the event of a claim because you’ll pay more out of pocket.
Limit your mileage: Using your Outback only for occasional trips or short commutes may qualify you for low-mileage discounts.
Shop and compare quotes regularly: Insurance prices often change. Comparing quotes every six months helps ensure you get the best available rate.
Get personalized rates for your Subaru Outback.
If you’re looking to insure your Subaru Outback — or any other vehicle — you probably have questions. To help you out, we answered some of the most common questions from Outback drivers.
Not really. On average, the Subaru Outback costs less to insure than other vehicles. Outback drivers pay an average of $116 per month across all policy types — $36 less per month than the U.S. national average, according to Compare.com data.
Mile Auto offers the cheapest insurance for the Subaru Outback, with monthly rates averaging just $52, according to our data. But remember that rates vary by driver and location, so your personal rate may differ.
The 2025 Subaru Outback costs an average of $147 per month to insure, according to the most recent data from Compare.com. But car insurance companies may offer you cheaper or more expensive rates depending on your location, age, and driving history.
The Forester is typically the cheapest Subaru to insure, with monthly premiums averaging just $108. But coverage for the Subaru Outback remains affordable, with below-average rates for both liability and full-coverage insurance.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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