+120 more)
)
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.
)
)
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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 premiums cost around $117 per month, which is about 30% lower than the national average of $166 for all vehicles.
USAA offers the cheapest car insurance rates for Outback drivers, with an overall average monthly rate of $60.
The Outback’s IIHS Top Safety Pick award and standard EyeSight collision-prevention technology may help keep insurance costs down.
The cost to insure your Subaru Outback depends heavily on the coverage level you choose. Liability car insurance is typically cheaper but only covers damage you cause to others and their property, with property damage liability and bodily injury liability. Liability-only coverage sometimes also includes uninsured motorist coverage.
Full-coverage policies include comprehensive coverage 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 | $88 | $146 | $117 |
| All vehicles | $116 | $216 | $166 |
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 overall monthly premium data from Compare.com.
Company | Average Monthly Premium |
|---|---|
| USAA | $60 |
| State Farm | $67 |
| Allstate | $85 |
| American Family | $91 |
| GEICO | $93 |
| CSAA | $102 |
| Nationwide | $110 |
| Progressive | $112 |
| Travelers | $115 |
| Farmers | $130 |
| User Reviews | 4.3 |
|---|---|
| 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 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA has the cheapest car insurance for Subaru Outback drivers on average, making it an excellent insurer for drivers looking for affordable coverage. On top of cheap rates, USAA also offers great insurance discounts and has a reputation for excellent customer service. The company also has an A++ (Superior) financial strength rating from AM Best, which indicates a strong ability to pay out claims.
| 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 |
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 affordable coverage for Subaru Outback drivers, as well as having a wide range of coverages and discounts. It also offers the Drive Safe & Save telematics program, which rewards your good driving habits. With a massive network of more than 19,000 local agents and easy-to-use digital tools, State Farm delivers personal support and modern convenience.
| User Reviews | 3.5 |
|---|---|
| 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 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate is the third most-affordable insurer for Subaru Outback drivers on average, and it has solid coverage offerings. In addition to its standard coverages, Allstate sells accident forgiveness, rideshare, electric car, and classic car insurance. That said, some coverage availability may vary by state. Allstate also offers telematics (Drivewise) and pay-per-mile (Milewise) programs to help you save on coverage.
A+ (Superior) rating from AM Best
Offers telematics and pay-per-mile programs
Available in all 50 states
Below-average claims satisfaction rating[1]
Has 1.2 out of 5 stars on Trustpilot
Fewer discounts than some competitors
Your Outback’s age can affect how much you pay for car insurance. New cars tend to cost more to insure because they’re generally more expensive to repair and replace. On the other hand, older car models are generally cheaper to insure, especially if they have significantly depreciated.
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 |
|---|---|
| 2025 | $141 |
| 2024 | $141 |
| 2023 | $141 |
| 2022 | $141 |
| 2021 | $136 |
| 2020 | $130 |
| 2019 | $127 |
| 2018 | $123 |
| 2017 | $120 |
| 2016 | $117 |
| 2015 | $114 |
| 2014 | $113 |
| 2013 | $107 |
| 2012 | $104 |
| 2011 | $101 |
| 2010 | $100 |
| 2009 | $96 |
| 2008 | $95 |
| 2007 | $93 |
| 2006 | $92 |
| 2005 | $90 |
Company | Average Monthly Premium |
|---|---|
| USAA | $72 |
| State Farm | $81 |
| Allstate | $103 |
| American Family | $110 |
| GEICO | $112 |
Company | Average Monthly Premium |
|---|---|
| USAA | $72 |
| State Farm | $81 |
| Allstate | $103 |
| American Family | $110 |
| GEICO | $112 |
Company | Average Monthly Premium |
|---|---|
| USAA | $72 |
| State Farm | $81 |
| Allstate | $102 |
| American Family | $110 |
| GEICO | $112 |
Company | Average Monthly Premium |
|---|---|
| USAA | $72 |
| State Farm | $81 |
| Allstate | $102 |
| American Family | $110 |
| GEICO | $112 |
Company | Average Monthly Premium |
|---|---|
| USAA | $70 |
| State Farm | $78 |
| Allstate | $99 |
| American Family | $106 |
| GEICO | $108 |
Company | Average Monthly Premium |
|---|---|
| USAA | $67 |
| State Farm | $74 |
| Allstate | $94 |
| American Family | $101 |
| GEICO | $103 |
Company | Average Monthly Premium |
|---|---|
| USAA | $65 |
| State Farm | $73 |
| Allstate | $92 |
| American Family | $99 |
| GEICO | $101 |
Company | Average Monthly Premium |
|---|---|
| USAA | $63 |
| State Farm | $70 |
| Allstate | $89 |
| American Family | $95 |
| GEICO | $97 |
Company | Average Monthly Premium |
|---|---|
| USAA | $62 |
| State Farm | $69 |
| Allstate | $88 |
| American Family | $94 |
| GEICO | $96 |
Company | Average Monthly Premium |
|---|---|
| USAA | $60 |
| State Farm | $67 |
| Allstate | $85 |
| American Family | $91 |
| GEICO | $93 |
Company | Average Monthly Premium |
|---|---|
| USAA | $59 |
| State Farm | $65 |
| Allstate | $83 |
| American Family | $89 |
| GEICO | $91 |
Where you live also has a major effect on your auto insurance rates. Factors like traffic density, accident rates, weather patterns, and local insurance laws all contribute to the average cost of car insurance.
The table below lists average monthly premium for the Subaru Outback by state, according to the most recent data from Compare.com.
State | Average Monthly Premium |
|---|---|
| Alabama | $97 |
| Arizona | $103 |
| Arkansas | $111 |
| California | $126 |
| Colorado | $126 |
| Connecticut | $174 |
| Delaware | $146 |
| Florida | $136 |
| Georgia | $156 |
| Hawaii | $77 |
| Idaho | $64 |
| Illinois | $97 |
| Indiana | $80 |
| Iowa | $66 |
| Kansas | $91 |
| Kentucky | $121 |
| Louisiana | $131 |
| Maine | $86 |
| Maryland | $186 |
| Massachusetts | $92 |
| Michigan | $141 |
| Minnesota | $106 |
| Mississippi | $92 |
| Missouri | $111 |
| Montana | $91 |
| Nebraska | $88 |
| Nevada | $155 |
| New Hampshire | $54 |
| New Jersey | $165 |
| New Mexico | $89 |
| New York | $135 |
| North Carolina | $54 |
| North Dakota | $71 |
| Ohio | $76 |
| Oklahoma | $105 |
| Oregon | $93 |
| Pennsylvania | $99 |
| Rhode Island | $135 |
| South Carolina | $150 |
| South Dakota | $84 |
| Tennessee | $87 |
| Texas | $134 |
| Utah | $92 |
| Vermont | $88 |
| Virginia | $110 |
| Washington | $104 |
| Washington D.C. | $192 |
| West Virginia | $90 |
| Wisconsin | $74 |
| Wyoming | $69 |
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 |
|---|---|
| Teens | $225 |
| Adults | $117 |
| Seniors | $101 |
Young drivers pay the highest car insurance rates due to having less driving experience. Teens are brand-new to driving and are more likely to skip wearing their seat belt, according to the Centers for Disease Control and Prevention (CDC).[6]
But some companies have higher new driver rates than others. The difference between the cheapest and most expensive Outback coverage options can easily hit hundreds of dollars per year, as you’ll see from our data below.
Older drivers get some of the cheapest rates from the best car insurance companies. These drivers earn lower rates thanks to having more experience and a tendency to drive fewer annual miles. Older drivers also often avoid nighttime driving and rush-hour traffic, according to the Insurance Institute for Highway Safety (IIHS).[5]
A low rate doesn’t mean you should skip shopping around. Some insurers offer senior discounts that can drop your rate further.
Here’s what senior drivers with an Outback typically pay, according to our data:
Your driving history is one of the biggest factors insurers consider when quoting your car insurance rates. Incidents usually stick around for three to five years, according to the National Association of Insurance Commissioners (NAIC).[7]
The specific violation matters, and so does your car insurance company’s pricing formula. A ticket might add $40 to your monthly bill on average, but a DUI can increase your premium much more.
Consider what Outback drivers with different records pay below, according to our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $117 |
| Speeding ticket | $157 |
| At-fault accident | $167 |
| DUI | $197 |
Speeding gives you less time to react and increases the distance you need to stop or slow down, leading to a greater risk of a car crash, according to the IIHS.8 The resulting ticket can shut the door to low premiums and safe driver discounts.
The Outback’s safety features can help offset any price jump, so comparing rates from different insurers can really pay off. Check out the cheapest companies for Outback owners after a ticket below, according to our data.
Insurers charge more for drivers with a crash on their record.[8] But if you drive an Outback, the increase might not hit you as hard — collision claims for the Outback cost 38% less than average, according to the IIHS.[9]
Still, some insurers don’t give past claims the same weight, which can lead to cheaper car insurance quotes.
The following companies offer the lowest rates for Outback drivers with an at-fault accident:
Drunk driving breaks the law no matter where you live, yet it’s a factor in nearly a third of fatal crashes, according to the National Highway Traffic Safety Administration (NHTSA).[10] Nothing drives your rates up quite like a DUI. Your insurance company could even cancel your insurance policy or refuse to renew coverage. But some companies focus on high-risk drivers.
Here are the companies that offer the best rates for Outback drivers with a DUI:
Your Subaru Outback has several features that insurance companies look at when setting rates:
Vehicle value: The Outback is an affordable vehicle. Prices fall between $36,000 and $50,000 for the 2026 model.[11]
Safety features: Every Outback has safety features built in, including blind-spot warning and emergency braking while moving forward or in reverse.[12]
Repair costs: Reasonable repair costs help keep payouts for Outback collision claims well below average.
Practical design: Subaru designed the Outback for everyday usefulness, not flash.
Theft risk: Thieves tend to stay away from the Outback. It isn’t on the National Insurance Crime Bureau’s (NICB) list of commonly stolen vehicles.
)
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 $117 per month across all policy types — $49 less per month than the U.S. national average, according to Compare.com data.
USAA and State Farm offer the cheapest insurance for the Subaru Outback, with respective monthly average rates of $60 and $67, 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 $141 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 Subaru Forester is typically the cheapest Subaru model to insure, with monthly premiums averaging just $89 for liability coverage and $148 for full coverage. But Subaru Outback insurance remains affordable, with low average rates of $88 per month for liability coverage and $146 for full-coverage car insurance. The Subaru Crosstrek is more expensive than the Forester and Outback, with average monthly rates of $92 for liability and $166 for full coverage.
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.
)
)
)
)
)
)
)
)
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.
)
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.
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
