Are you considering insuring your Subaru Outback in 2025 and wondering how much it might cost? You’re in the right place. Car insurance rates for the Subaru Outback can vary widely based on factors such as your location, driving history, and vehicle model year.
The average annual cost to insure a 2023 Subaru Outback is $2,052. However, this rate can vary depending on the model year. For example, a 2021 Outback might cost around $1,884 annually, while a 2018 model could be more affordable at $1,735 per year.
In this guide, we’ll break down these costs and provide tips on getting the best insurance rates for your Subaru Outback.
What is the cost to insure your Subaru Outback in 2025?
The average cost to insure a Subaru Outback is $170 per month, or $2,042 per year for a full coverage policy. However, your actual rate may differ depending on factors like your age, where you live, the level of coverage you choose, your driving history and the insurance company.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Subaru Outback
Nationwide offers the lowest car insurance rates for your Subaru Outback, with an average cost of $1,448 per year or $121 each month, based on CarInsurance.com’s study.
Below is a list of insurance companies that offer affordable rates for your Subaru Outback.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $1,448 | $724 | $121 |
| State Farm | $1,639 | $820 | $137 |
| Geico | $1,692 | $846 | $141 |
| Progressive | $1,982 | $991 | $165 |
| Farmers | $2,631 | $1,315 | $219 |
| Allstate | $2,919 | $1,459 | $243 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Subaru Outback car insurance rates by model year
Generally, newer models have higher insurance rates due to their higher market value and repair costs. For instance, insuring a 2023 Subaru Outback will likely be more expensive than insuring a 2019 model. However, older models might not have the latest safety features, which can also influence rates.
The table below shows the average annual insurance costs for various model years of the Subaru Outback, helping you understand how insurance premiums vary with the car’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,521 | $761 | $127 |
| 2015 | $1,578 | $789 | $132 |
| 2016 | $1,608 | $804 | $134 |
| 2017 | $1,656 | $828 | $138 |
| 2018 | $1,735 | $868 | $145 |
| 2019 | $1,801 | $901 | $150 |
| 2020 | $1,828 | $914 | $152 |
| 2021 | $1,884 | $942 | $157 |
| 2022 | $1,963 | $982 | $164 |
| 2023 | $2,052 | $1,026 | $171 |
Subaru Outback car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Subaru Outback. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For instance, higher-end trims like the Outback Touring XT, which include advanced technology and luxury features, may have higher insurance premiums than the base model due to the increased replacement and repair costs.
Below is a comparison of average annual insurance costs for different trims of the Subaru Outback.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Outback | $1,905 | $953 | $159 |
| Outback Premium | $1,960 | $980 | $163 |
| Outback Limited | $2,005 | $1,002 | $167 |
| Outback Touring | $2,038 | $1,019 | $170 |
| Outback Onyx Edition | $2,048 | $1,024 | $171 |
| Outback Onyx Edition XT | $2,086 | $1,043 | $174 |
| Outback Limited XT | $2,147 | $1,074 | $179 |
| Outback Wilderness | $2,150 | $1,075 | $179 |
| Outback Touring XT | $2,152 | $1,076 | $179 |
Subaru Outback insurance rates: State-by-state breakdown
Insurance costs for a Subaru Outback vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the Subaru Outback in different states.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $1,899 | $950 | $158 |
| Alabama | $2,018 | $1,009 | $168 |
| Arkansas | $2,109 | $1,054 | $176 |
| Arizona | $1,930 | $965 | $161 |
| California | $2,508 | $1,254 | $209 |
| Colorado | $2,689 | $1,344 | $224 |
| Connecticut | $2,106 | $1,053 | $175 |
| Washington, D.C. | $2,419 | $1,209 | $202 |
| Delaware | $1,983 | $992 | $165 |
| Florida | $2,527 | $1,264 | $211 |
| Georgia | $2,452 | $1,226 | $204 |
| Hawaii | $1,280 | $640 | $107 |
| Iowa | $1,710 | $855 | $142 |
| Idaho | $1,322 | $661 | $110 |
| Illinois | $1,966 | $983 | $164 |
| Indiana | $1,808 | $904 | $151 |
| Kansas | $2,161 | $1,081 | $180 |
| Kentucky | $2,569 | $1,284 | $214 |
| Louisiana | $3,381 | $1,691 | $282 |
| Massachusetts | $1,728 | $864 | $144 |
| Maryland | $1,814 | $907 | $151 |
| Maine | $1,427 | $714 | $119 |
| Michigan | $2,473 | $1,236 | $206 |
| Minnesota | $2,239 | $1,119 | $187 |
| Missouri | $2,448 | $1,224 | $204 |
| Mississippi | $2,216 | $1,108 | $185 |
| Montana | $2,197 | $1,099 | $183 |
| North Carolina | $1,580 | $790 | $132 |
| North Dakota | $1,907 | $953 | $159 |
| Nebraska | $2,240 | $1,120 | $187 |
| New Hampshire | $1,479 | $740 | $123 |
| New Jersey | $2,072 | $1,036 | $173 |
| New Mexico | $2,111 | $1,056 | $176 |
| Nevada | $1,961 | $980 | $163 |
| New York | $1,487 | $744 | $124 |
| Ohio | $1,498 | $749 | $125 |
| Oklahoma | $2,328 | $1,164 | $194 |
| Oregon | $1,939 | $970 | $162 |
| Pennsylvania | $2,146 | $1,073 | $179 |
| Rhode Island | $2,288 | $1,144 | $191 |
| South Carolina | $1,833 | $917 | $153 |
| South Dakota | $2,565 | $1,283 | $214 |
| Tennessee | $2,189 | $1,094 | $182 |
| Texas | $3,012 | $1,506 | $251 |
| Utah | $1,650 | $825 | $138 |
| Virginia | $1,519 | $760 | $127 |
| Vermont | $1,540 | $770 | $128 |
| Washington | $1,765 | $883 | $147 |
| Wisconsin | $1,529 | $764 | $127 |
| West Virginia | $1,958 | $979 | $163 |
| Wyoming | $2,155 | $1,077 | $180 |
How your age impacts Subaru Outback insurance rates
Younger drivers, especially those under 25, pay higher rates due to their inexperience and higher accident risk. Insurance rates typically decrease as drivers get older and gain more experience but may rise again for senior drivers due to age-related factors.
According to the National Highway Traffic Safety Administration (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 lost their lives in traffic accidents in 2022.
The table below outlines the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $7,241 | $3,620 | $603 |
| Adults | $2,042 | $1,021 | $170 |
The bottom line
Knowing how much it costs to insure your Subaru Outback is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
To save on insurance, try keeping a clean driving record, taking advantage of discounts and reviewing your policy every renewal period. This will help you get the right coverage at an affordable price.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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