See auto rates

Auto Insurance · Brand Guide

Updated: May 1, 2026Written byRai AntonioReviewed byDavid KrugData byFelix Lucero
Compare rates in your area

● Auto Insurance

Live auto rates from the carriers we've reviewed. Carriers pay us only when you switch.

Why trust QuoteYeti

QuoteYeti's editorial team has spent 30+ combined years researching insurance markets. Every piece is written by named writers, reviewed by our editor-in-chief against the QuoteYeti methodology, and rate-heavy content is verified by our data team. No paid placements. Read our editorial standards →

Subaru Outback Insurance Cost (2024)

Subaru Outback insurance is competitive for an all-wheel-drive vehicle, with strong safety ratings offsetting the slightly higher base MSRP.

What Subaru Outback insurance costs

The average monthly premium for a 2024 Subaru Outback runs around $151 for a typical driver profile (40-year-old, clean record, good credit, full coverage). Real-world rates range from $120 to $195 depending on your state, driving record, credit, and chosen coverage level.

Outback insurance benefits from Subaru’s reputation for safety, the vehicle’s lower theft rate, and a customer demographic that skews lower-risk.

What drives the rate

Insurance carriers price the Subaru Outback based on four primary factors specific to the vehicle:

  1. Repair cost — How expensive is it to fix this vehicle when something goes wrong? Parts availability, labor complexity, and OEM-only requirements all matter.
  2. Theft rate — How often is this vehicle stolen? Carriers pull data from NHTSA’s Vehicle Theft Index.
  3. Safety scores — How well does the vehicle protect occupants in a crash? IIHS and NHTSA ratings directly influence premium.
  4. Claim history — What does the actual data show about how often and how expensively claims happen on this vehicle?

How to lower your rate

Beyond shopping carriers (which can save 20-40% on its own), the biggest Subaru Outback-specific savings come from:

  • Multi-policy bundling — Combining auto and home/renters often saves 10-25%.
  • Telematics programs — If you’re a safe driver, programs like Progressive Snapshot or State Farm Drive Safe & Save can save 15-30%.
  • Higher deductible — Raising your collision/comprehensive deductible from $500 to $1,000 typically saves 10-15% on premium (but exposes you to more out-of-pocket cost at claim time).
  • Anti-theft devices — Factory or aftermarket anti-theft systems can earn 5-15% discounts, especially on theft-prone vehicles.

Best carriers for the Subaru Outback

The carriers that consistently quote competitively on the Subaru Outback include the largest national insurers (GEICO, Progressive, State Farm) plus regional carriers depending on your state. Get quotes from at least 3-5 carriers to find the best rate for your specific profile.