Vehicles > Subaru > Outback

Subaru Outback Insurance Rates

Buying auto insurance from online rate quotes is easy and there is a good chance you may find lower rates. The key is to take the time to get rates from all companies so you can get the best prices.

People who are new to shopping for insurance may think purchasing low-cost Outback insurance is more work than they want to put in. Finding a better price on auto insurance doesn't have to be difficult. Consumers just need to spend a few minutes to compare quotes from different insurance companies. This can be accomplished by completing this short form.

Insurance premiums on a Subaru Outback can vary widely based upon several criteria. Some of these factors include:

  • Your driving record
  • Credit rating
  • Men typically pay more than women
  • Low deductibles cost more
  • Safety rating of your Outback
  • Whether or not you have claims
  • Having current coverage saves
  • Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. New vehicles cost more compared to older Subaru models so repair costs are higher which can inflate annual premiums. On the flip side, more recent Subaru vehicles have more advanced features like a collision avoidance system, all-wheel drive, adaptive cruise control, and lane departure warning system which can give discounted rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Liability insurance - Liability insurance will cover damage that occurs to people or other property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy higher limits if possible.

Collision coverages - Collision insurance will pay to fix damage to your Subaru resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your Outback can be pricey, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to get cheaper Outback insurance rates.

Comprehensive protection - This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Subaru Outback Insurance Rates?