Subaru Outback Insurance

Subaru Outback Car Insurance

(And how to get the lowest premiums.)

Subaru Outback

Wondering if you could get a better car insurance policy for your Subaru Outback? There are a lot of factors that influence your premiums, and it can be difficult to understand how various insurance types work together to provide coverage. When it comes to getting the right insurance for your Subaru Outback, it's crucial to find the company and insurance agent that best serves your unique needs. 

Not sure where to look? 

TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Subaru Outback. 

What Kinds of Insurance Do You Need for Your Subaru Outback?

Bodily Injury Liability

If someone else sustains injuries in an accident you caused, your bodily injury liability insurance policy may pay for the damage. 

Property Damage Liability

If you cause damage to someone else's building, property, or vehicle, your property damage liability coverage policy will cover the bill up to the policy's limits. In many states, you must carry a certain minimum amount of property damage liability insurance. Your agent can help you choose the right coverage amounts. 

Medical Payments/Personal Injury Protection

Covering the costs of recovering from an auto accident is much easier with medical payments or personal injury protection insurance coverage. This type of policy can cover costs associated with ambulance bills, doctor visits, medications, and even funeral expenses. 

Uninsured Motorist Coverage

Even in places where it's illegal to drive without auto insurance, you may be in an accident with a driver that's an uninsured and underinsured motorist. You need specific auto insurance in these cases to have your medical payments and damage to your property covered. 

Optional Coverage:

Collision

If you hit another car or object, collision coverage will fix or replace your Outback. You'll pay the deductible first. Collision insurance isn't right for everyone. If your Subaru Outback is a few years old, your agent can help you weigh the pros and cons of adding this type of coverage to your auto insurance policy. 

Comprehensive

If your Subaru Outback is damaged by an event other than a collision, comprehensive coverage can pay to have it fixed. If you hit an animal or your vehicle is vandalized, you'll be glad you have comprehensive coverage. 

Glass Coverage

A broken windshield requires immediate attention, but it's also a significant expense. Glass coverage insurance costs just a few dollars each month and handles the unwelcome and unexpected costs of glass breakage. 

Gap Insurance

If an accident renders your Subaru Outback a total loss, you may have to pay the difference between the amount owed to your loan company and the insurance settlement. Gap coverage can cover those costs for you. 

What Affects the Cost of Insurance for Your Subaru Outback?

Annual Mileage: If you drive more than 10,000 - 15,000 miles per year, expect to pay a slightly higher insurance premium.

Your Driving Record: If you've never been in an at-fault accident, you could save as much as 40% on your Subaru Outback car insurance. 

The Value of Your Vehicle: 2020 Subaru Outback prices start at about $26,000. If you own a pre-owned Outback or you've had your Subaru for a few years, it's value will be lower. In general, more expensive vehicles cost more to insure because the claim amounts are typically higher. 

Average Subaru Outback Insurance Costs

You need a quote based on your driving record, age, and location. While your agent can help you get that information, it's useful to know that a 40-year-old Subaru driver with a good driving record pays an average of $1,378 per year for their full coverage auto insurance.

The Safety of your Subaru Outback

The Subaru brand has a carefully cultivated reputation for safety. 

The NHTSA gave the 2020 Subaru Outback a five-star safety rating. The IIHS named the Outback their 2020 Top Safety Pick +.

How Location Affects Your Subaru Outback Insurance 

If you frequently commute through heavy traffic, you may have to pay higher insurance rates. Longer drive times that often come with living in a large city increase the statistical likelihood that you'll be in an accident. Insurance companies factor this risk into your premiums. 

Additional Factors That Affect Your Subaru Outback Insurance Premiums

  • Safety features like anti-theft devices
  • Your age
  • Your gender
  • The deductibles you choose
  • Your credit rating

Average Cost to Insure a Subaru Outback

Average annual cost to insure a Subaru Outback with full coverage: $1,378
Teens:$4,992
High-Risk Drivers:$2,942
High Deductibles:$1,186
Low Deductibles:$1,748
Top 3 most expensive states for Subaru Outback insurance:
New York, Michigan, Florida$1,860
Top 3 most affordable states for Subaru Outback insurance: 
Wisconsin, Vermont, North Carolina$900

Top Independent Insurance Carriers That Insure the Subaru Outback

According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers: 

  1. Auto-Owners Insurance
  2. Progressive
  3. Safeco
  4. Travelers

Get a Subaru Outback Quote

An independent agent can help you get quotes from multiple insurance companies based on your unique attributes. You can use the Trusted Choice Find an Agent tool to locate a reputable independent insurance agent to help you get the best combination of value and coverage with your auto insurance policy. To get access to an independent insurance agent and find out how much you could save, get matched today. 

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TrustedChoice.com Article | Reviewed by Greg Safford

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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver