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Subaru Outback Insurance Cost

Drivers have lots of options when shopping for car insurance for your Subaru vehicle. You can either buy through an agent or shop online to compare rates from many different car insurance companies. Shopping for car insurance through online rate quotes is easy, plus you can save money.

Consumers not familiar with buying insurance may think purchasing low-cost Outback insurance is going to be difficult. There are several ways to compare quotes from car insurance companies in your area. By far the easiest way to compare Outback insurance rates consists of shopping online. This can be done by comparing rates here.

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Car insurance rates influenced by these factors

Car insurance premiums on a Subaru Outback can vary widely based upon several criteria. Including but not limited to:

  • The performance level of your Outback
  • Any accidents you may have
  • Whether you insure your home with the same company
  • Pleasure use vs. commuting use
  • Your age
  • Whether you are married
  • Add-on coverages such as rental reimbursement
  • Your occupation
  • The amount of protection requested
  • Home ownership saves money

An additional factor that will help determine Outback insurance cost is the year of the vehicle. Older cars and trucks have a lower value than newer models so the cost to replace them will push premiums down. But newer models may have safety features including adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance which can lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Outback from the list below.

Auto liability

Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision insurance

Collision coverage pays for damage to your Subaru resulting from a collision with a stationary object or other vehicle. 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 older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is not available in all states and gives slightly broader coverage than med pay.

How Much are Subaru Outback Insurance Rates?