Car insurance for Subarus in 2021

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Although rates vary by Subaru model, the average cost of insuring a Subaru is less than the national average. The average annual cost to insure a Subaru Outback with full coverage is $1,361 per year, based on Bankrate’s review of quoted premiums from Quadrant Information Services.

There are a few key factors used to determine car insurance prices, and the make and model of the car you drive is one of them. The MSRP, cost to repair, likelihood of being stolen and safety features included can affect insurance costs. Subaru owners can find cheap car insurance pricing by shopping for quotes, applying discounts and taking into consideration vehicle specifics.

How much does having a Subaru Outback influence your car insurance rate?

A Bankrate analysis of 2021 quoted annual premiums from Quadrant Information Services calculated the average cost of full coverage car insurance (based on a Toyota Camry) is $1,674 per year in the United States. For a Subaru Outback, the average cost of full coverage insurance is only $1,361, which is $313 less per year compared to the national average for a standard economy sedan.

For years, Subaru has been considered one of the safest car brands in America. The Insurance Institute for Highway Safety gives the Subaru Outback its Top Safety Pick Award, with advanced or superior ratings on all six of the crashworthiness evaluations conducted by the Institute. The National Highway Traffic Safety Administration also gives the Subaru Outback 5-star safety ratings.

One of the reasons the Outback and other similar Subaru models get such high ratings is their standard safety features:

  • Adaptive cruise control
  • Anti-lock brakes
  • EyeSight® Driver Assist Technology
  • Forward collision warning
  • Lane assist
  • Lane departure warning
  • Rearview camera
  • Rear-seat reminder
  • Seatbelt warning for front and rear passengers
  • Steering-responsive automatic LED high-beam headlights and daytime running lights
  • Symmetrical all-wheel drive

There are also optional advanced safety features available, which could provide additional discounts on insurance:

  • Blind spot monitoring
  • DriverFocus® Distraction Mitigation System
  • Front-view camera
  • Lane change assist
  • LED fog lights
  • Rear crossing traffic alerts
  • Rear automatic braking

How much is insurance for a Subaru Outback?

The Subaru Outback comes in one model, but it has several different trim package options which change the value and repair costs. Exact costs for insurance will vary by year and trim package for the Outback, and whether you require liability-only or full coverage on the vehicle. Your premium will also depend on the year of the vehicle.

As you can see from the table below with average rates for a 2019 Subaru Outback, there is a big difference in average minimum premium for liability-only and full coverage insurance. Purchasing full coverage car insurance costs more than liability-only because it offers greater financial protection and coverage, including physical damage coverage for your Subaru.

Average annual minimum premium Average annual full coverage premium
$456 $1,361

Due to the amount of factors, including year, make, model and trim package that go into insurance pricing, rates can vary widely between different vehicles, even the same make and model. This trend is also seen consistently when comparing insurance companies.

Take a look at the chart below to see how insurance costs differ from company to company for full coverage and liability-only.

Average minimum coverage annual premium Average full coverage annual premium
Allstate $453 $1,710
State Farm $420 $1,264
Progressive $398 $1,203
USAA $368 $1,168
Geico $350 $1,144
Nationwide $405 $1,083
MetLife $751 $1,850
Farmers $605 $1,587
Travelers $479 $1,122
Auto-Owners $341 $1,173
The Hartford $640 $2,023
Mercury $471 $1,340
American Family $591 $1,457
AAA $604 $1,604
Chubb $460 $1,207
Amica $416 $1,005
Erie $430 $1,115
Farm Bureau $373 $808

What factors influence your car insurance other than your car?

Even though there are multiple factors about the type of car you drive that can affect insurance costs, other variables also affect insurance costs. Insurance companies also use personal and household information, which can greatly affect the premium you have to pay to insure your vehicle:

  • Age
  • Coverage limits and deductibles
  • Credit score (in some states)
  • Discounts available
  • Driving record (yours and other household drivers)
  • Gender (in some states)
  • How many miles you drive per year
  • Location
  • Marital status

Because of this, your vehicle alone will not be enough to give you a complete view of possible rates. Getting rates from a variety of providers will give you accurate rates to compare.

How can you save money on Subaru Outback car insurance?

Though rates for a Subaru Outback are generally below the national average, there are other ways you can save money on your car insurance:

  • Choosing coverage: If you have a high-value vehicle or just bought a new Subaru Outback, it may be worth paying the extra money for full coverage auto insurance. Liability-only coverage is generally recommended for low-value cars or people who can self-insure if the vehicle is wrecked or totaled.
  • Consider trim packages: The Subaru Outback model has high safety ratings, but certain trim packages include even more safety features that could lower your insurance costs. On the other hand, increasing the base value of the model could increase the cost of insurance.
  • Get all your discounts: Some discounts, like safety features, are automatically added when you get a quote or add a car to your policy. Others you have to ask for, so remember to ask about all the discounts you qualify for to get additional savings.
  • Maintain a clean driving record: Avoiding accidents and tickets in the household is one of the best ways to save on auto insurance. A good driving discount can be automatically added with most insurance companies for those with a clean driving history.
  • Shop before you buy: It pays to get quotes for different model years and trim packages. If you are stuck between two or more options, comparing quotes from one or more insurance companies might help you make a smarter decision to fit your budget.

Frequently asked questions

Is insurance less for a Subaru Outback?

The standard safety features and stellar crash test ratings from the Insurance Institute for Highway Safety and NHTSA can make the Outback cheaper to insure than other makes and models. The makeup of your household, location and driving records can either keep the costs low or increase them.

Why do some cars cost more to insure than others?

Insurance companies base their premiums on risk. The more likely the vehicle is to be involved in an accident and the more it costs to fix it are primary factors in base rates for auto insurance. Companies consider crash test ratings, horsepower, safety features and the size of the engine, too.

Is car insurance cheaper if the vehicle is paid off?

It can seem like insurance gets cheaper once a car is paid off, but the rate does not change just because the vehicle is now owned in full. Rather, the value of the car depreciates over time, which can lower it’s replacement cost, effectively reducing the cost to insure it. Since the car is no longer financed, you also have the option to remove comprehensive and collision coverage if you are not concerned about the financial cost to pay for repairs out of pocket.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Subaru Outback, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate.com, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.
Edited by
Insurance Editor