How much is insurance on a Subaru Outback?
A 2024 Subaru Outback runs about $1,630 a year for a typical 45-year-old, $320 less than an average car of the same age, because of fewer injury claims, lower crash-repair losses, less damage to others' property, and lower non-crash losses. Putting a new 16-year-old on a family policy with the Outback adds about $1,070 a year (#2 of 52 small SUVs we compare).
2024 Subaru Outback (Outback AWD), national average
about $1,630 a year (about $135 a month)
Estimated range: $1,200–$2,200. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Outback drops to about $1,310 (see the table below).
Priced for the 2024 Outback AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Outback's rank is the same in every state.
Why the Subaru Outback costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Subaru Outback 4WD with EyeSight, on HLDI's scale where 100 is an average car and lower is better, it reports 63 for crash repairs, 84 for non-crash damage, 68 for damage to others' property, and 58 for injury claims.
- Crash repairs (collision)fixing this car after a crashBetter than average37% better than average2nd best of the 52 small SUVs we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage16% better than average29th best of the 52 small SUVs we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average32% better than average6th best of the 52 small SUVs we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 42% less often than average3rd best of the 47 small SUVs we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Outback comes out about 31% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 13% less than average: about $830 a year vs $950. On the liability side, damage to others and injury claims combine to about 38% better than average. We count about half, so that part is about 20% less: $800 a year vs $990.
In EPA size classes, the Outback is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Subaru Outback is benchmarked against midsize station wagons.
Matched to HLDI series “Subaru Outback 4WD with EyeSight” (HLDI, 2022–24 models).
A used Subaru Outback, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 Outback AWD (0–3 years old) | about $1,630 | about $800 | +$1,070 | about $4,660 |
 2022 Outback AWD (4–7 years old) | about $1,530 | about $800 | +$1,010 | about $4,380 |
 2018 Outback AWD (8–12 years old) | about $1,400 | about $790 | +$920 | about $4,020 |
 2013 Outback AWD (13 or more years old) | about $1,310 | about $790 | +$870 | about $3,770 |
Our catalog covers the Subaru Outback across model years 2006–2027. Full coverage on a used 2013 Outback (13 or more years old) runs about $1,310 a year, $310 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $790 a year. Each photo shows that year's generation of the car. Photo credits.
All 2 versions of the 2024 Subaru Outback in our catalog (Outback AWD and Outback Wilderness AWD) price within about $50 a year of each other.
On a policy of their own with a 2024 Subaru Outback, a 22–25-year-old pays about $2,110 a year ($490 more than a 45-year-old), a 26–39-year-old about $1,800, and a driver 65 and older about $1,710.
Adding a 16-year-old with a Subaru Outback
Because the Subaru Outback starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,070 a year ($90 a month), $210 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $4,660 a year, about $3,590 more than sharing the family policy.
For adding a teen driver, the Subaru Outback ranks 4th cheapest out of all 121 models we track. Stepping down to a used 2013 Outback (13 or more years old) brings the teen add-on to about $870 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar small SUVs
Among these 52 small SUVs, the Subaru Outback is the 2nd least expensive to insure. Right next to it are the Subaru Forester (about $1,620 a year) and the Subaru Crosstrek (about $1,630).
2024 Subaru Foresterabout $1,620 (about the same)- 2024 Subaru Outbackabout $1,630 (this car)
2024 Subaru Crosstrekabout $1,630 (about the same)
2024 Mazda CX-50about $1,690 ($70 more)
2024 Honda Passportabout $1,720 ($100 more)
2024 Honda CR-Vabout $1,740 ($110 more)
Photos from Wikimedia Commons contributors. Photo credits.
What a Subaru Outback costs in your state
In six sample states, a 2024 Subaru Outback runs from about $1,050 a year in Maine through Nebraska, Oregon, Massachusetts and Colorado to about $1,950 in Texas:
- Maineabout $1,050/yr · +$690 teen
- Nebraskaabout $1,340/yr · +$880 teen
- Oregonabout $1,430/yr · +$940 teen
- Massachusettsabout $1,600/yr · +$1,050 teen
- Coloradoabout $1,870/yr · +$1,230 teen
- Texasabout $1,950/yr · +$1,290 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.