Outback Insurance: Suv Or Not?

The Subaru Outback is considered a smart alternative to an SUV, though its classification varies depending on the insurance company and the year of the model. While some insurance companies classify it as an SUV, others categorise it as a wagon or a CUV (Crossover Utility Vehicle). The Outback has a lower roofline than a typical SUV, but it can easily accommodate long items. It is also cheaper to insure than the average SUV, with an average insurance premium of around $127 a month for full coverage and $66 a month for liability-only insurance.

Subaru Outback insurance costs

The Subaru Outback is a smart alternative to an SUV. Although its roofline is lower than a typical SUV's, it can easily haul long items. The Subaru Outback is cheaper to insure compared to the average SUV.

The insurance rates for a Subaru Outback vary depending on several factors, including the driver's age, gender, location, and driving record. The age of the vehicle also matters, as newer cars are generally more expensive to insure. On average, insurance for a Subaru Outback costs around $118 to $127 per month for full coverage and $66 per month for liability-only insurance. The specific model year of the Outback can also affect the insurance rate, with older models generally being cheaper to insure.

Some insurance companies that offer competitive rates for the Subaru Outback include Commonwealth Casualty, Mile Auto, Good2Go, Fiesta, Hugo, Kemper Personal Insurance, Clearcover, Hugo, DirectGeneral, Safeco, Infinity, Shelter Mutual, Liberty Mutual, MetLife, Mercury, and Plymouth Rock Insurance. USAA also offers affordable rates for Subarus but is only available to active military members and their families.

To get the best price on car insurance for a Subaru Outback, it is recommended to shop around and compare quotes from multiple companies. Additionally, increasing the deductible, asking about available discounts, and maintaining a good driving record can help reduce insurance rates.

Insurance costs compared to other vehicles

The Subaru Outback is a smart alternative to an SUV. It is cheaper to insure than the average SUV, with liability-only insurance premiums averaging $66 per month and full coverage insurance averaging $124 per month. The Subaru Outback has good safety ratings, low theft rates, and affordable costs, which all contribute to more affordable insurance rates.

The average insurance premium for a Subaru Outback is around $127 a month, according to Compare.com. This is based on thousands of auto insurance quotes and includes both liability-only and full coverage insurance. The Zebra estimates the average insurance cost to be slightly lower, at $118 per month. CarEdge estimates the cost to be slightly higher, at $1418 per year, or about $118 per month.

The cost of insurance for a Subaru Outback will depend on factors such as the driver's age, gender, location, and driving record. For example, teenage drivers pay more than twice as much as drivers aged 25 or older. Men also tend to pay more than women. The state in which the driver lives also makes a difference, with insurance rates varying significantly from state to state.

The cost of insurance for a Subaru Outback will also depend on the year and model of the vehicle. Newer cars are generally more expensive to insure because they are worth more. As a car ages and depreciates, insurance costs will gradually decrease. The specific safety and security features of the car will also affect the insurance rate, as these can reduce the likelihood of accidents and theft.

The insurance company also affects the cost of insurance for a Subaru Outback. Different insurance companies weigh factors differently, so it is important to shop around and compare quotes from multiple companies. Some companies that offer insurance for Subaru Outback include State Farm, Commonwealth Casualty, Mile Auto, Good2Go, Fiesta, Hugo, Kemper Personal Insurance, Clearcover, Hugo, DirectGeneral, Safeco, Infinity, Shelter Mutual, Liberty Mutual, MetLife, Mercury, and Allied.

Insurance company options

The Subaru Outback is a smart alternative to an SUV. While some sources claim that the Outback is an SUV, others classify it as a wagon or a CUV. However, it is cheaper to insure than the average SUV.

The average insurance premium for a Subaru Outback is around $127 a month. Liability-only car insurance premiums for an Outback tend to be around $66 per month, while full coverage usually averages about $124. The cost of insurance will vary depending on factors such as the driver's age, gender, location, and driving record.

• Commonwealth Casualty: Offers liability-only coverage for as little as $37 monthly.
• Mile Auto: Offers liability-only insurance for as little as $28 per month.
• Good2Go: Offers insurance for as cheap as $32 a month.
• Fiesta: One of the top five cheapest insurance companies for the Subaru Outback.
• Hugo: Offers insurance for the 2020 Subaru Outback for as low as $19 per month.
• DirectGeneral: Offers insurance for the 2019 Subaru Outback for as little as $25 per month.
• Safeco: Offers the most affordable policy for the 2018 Subaru Outback, with rates as low as $18 monthly.
• Infinity: Offers the cheapest policy for the 2017 Subaru Outback, with rates as low as $26 per month.
• Shelter Mutual: Offers liability-only coverage for the 2016 Subaru Outback for as low as $16 a month.
• Liberty Mutual: Offers the lowest policy for the 2015 Subaru Outback, with rates as low as $16 a month.
• MetLife: Offers premiums as low as $17 per month for the 2014 Subaru Outback.
• Mercury: Offers the cheapest policy for the 2013 Subaru Outback, with rates as low as $19 a month.
• Southern Farm Bureau
• Plymouth Rock Insurance
• Cincinnati Insurance
• Allied: Offers insurance for the Subaru Outback for as little as $50 per month.
• USAA: Frequently one of the cheapest providers for Subarus, but only available to active military members and their families.

Ways to reduce insurance rates

The Subaru Outback is a smart alternative to an SUV. It is cheaper to insure compared to the average SUV. The average insurance premium for a Subaru Outback is around $127 a month. The cost of your car insurance is determined by the value of your vehicle, your driving habits, and other factors. Here are some ways to reduce insurance rates:

• Increase your deductible: By requesting higher deductibles, you can lower your costs substantially. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.
• Reduce coverage on older cars: Consider dropping collision and/or comprehensive coverages on older cars. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost-effective.
• Bundle your policies: Many insurers will give you a discount if you buy two or more types of insurance, such as homeowners and auto coverage, or insure more than one vehicle with the same company.
• Maintain a good driving record: Safe drivers always save on insurance. Avoid speeding, getting into accidents, and other driving incidents to keep your insurance rates lower.
• Take a defensive driving course: Many insurance companies offer a discount if you complete a defensive driving course. This can also help you become a safer driver.
• Improve your credit score: In some states, a credit check may be part of your risk assessment by insurance companies. People with higher credit scores tend to get lower insurance rates.
• Take advantage of low-mileage discounts: Some companies offer discounts to motorists who drive fewer miles per year or carpool to work.
• Ask about group insurance: Some companies offer reductions to drivers who get insurance through their employer or a group plan from professional, business, or alumni groups.
• Seek out other discounts: Companies offer discounts to policyholders who have not had any accidents or moving violations for several years. You may also get a discount if you have safety features in your car, are a student with good grades, or are a long-time customer.

Insurance rates by model year

The Subaru Outback is considered a smart alternative to an SUV. It is cheaper to insure compared to the average SUV. The insurance rates vary based on the model year of the vehicle. Here is a breakdown of the average insurance costs for the Subaru Outback by model year:

2024 Subaru Outback:

The average cost to insure a 2024 Subaru Outback is around $420 per year.

2023 Subaru Outback:

The average cost of insurance for a 2023 Subaru Outback is approximately $158 per year.

2022 Subaru Outback:

The average insurance cost for the 2022 model is about $342 per year.

2021 Subaru Outback:

The average insurance rate for this model year is around $278 per year.

2020 Subaru Outback:

The average insurance cost for the 2020 Subaru Outback is approximately $451 per year.

2019 Subaru Outback:

The average insurance rate for this model is about $477 per year.

2018 Subaru Outback:

The average insurance cost for the 2018 model is around $328 per year.

2017 Subaru Outback:

The average insurance rate for this model year is approximately $428 per year.

2016 Subaru Outback:

The average insurance cost for the 2016 Subaru Outback is about $152 per year.

2015 Subaru Outback:

The average insurance rate for this model is around $302 per year.

2014 Subaru Outback:

The average insurance cost for the 2014 model is approximately $165 per year.

2013 Subaru Outback:

The average insurance rate for this model is about $13 per year.

2012 Subaru Outback:

The average insurance cost for the 2012 Subaru Outback is around $142 per year.

2011 Subaru Outback:

The average insurance rate for this model is approximately $228 per year.

2010 Subaru Outback:

The average insurance cost for the 2010 model is about $115 per year.

It is important to note that insurance rates can vary based on factors such as age, location, driving history, and the insurance company. The rates mentioned above are averages and may not reflect the exact cost for every individual.

Frequently asked questions