Subaru Outback insurance costs an average of $1,958 per year — about $163 per month — for full coverage in 2026, according to InsuredBetter. A separate Compare.com estimate cited by USA Today puts it at $1,969. That places the Outback among the cheapest new vehicles to insure in the U.S.
Key Findings
- Average full-coverage cost. InsuredBetter estimates $1,958 per year ($163 per month) for a Subaru Outback, as of September 8, 2026.
- Cross-checked estimate. A Compare.com study reported by USA Today on August 25, 2026, puts the Outback at $1,969 per year — nearly identical — and ranks it first among the ten lowest-cost 2025–2026 models, against an average of $2,879 for new vehicles.
- Vehicle-side reason. In Highway Loss Data Institute data for 2020–22 models, the previous-generation Outback’s collision losses scored 60, about 40% below the average for all passenger vehicles.
- Safety signal. The 2026 Outback earned the Insurance Institute for Highway Safety’s TOP SAFETY PICK+ award.
- Wide state gap. InsuredBetter reports Outback drivers with minimum coverage pay about $31 per month in Wyoming and about $168 in Louisiana.
Navigate This Guide
How Much Does Subaru Outback Insurance Cost in 2026?
Two separate national estimates land in almost the same place: full coverage for a Subaru Outback runs about $1,958 to $1,969 per year, or roughly $163 per month. Each uses its own data and methodology. The figures are averages, not quotes, and they reflect full coverage. Your own rate will depend on your state, driving record, coverage limits, and deductible. For context, InsuredBetter’s averages put the Outback at about $163 per month for full coverage, versus $184 for SUVs overall and $159 for all Subarus — cheaper than most SUVs, but slightly above the Subaru average.
The monthly figure is a straight calculation from the annual estimate and does not reflect how an insurer bills. Insurers may bill monthly, quarterly, semi-annually, or annually, and the payment schedule can carry fees. What the annual number gives you is a baseline for comparison — the same way you would compare fuel economy or warranty length before buying.
What the 2026 Subaru Outback Is
The 2026 Outback is a fully redesigned midsize SUV, sold in the U.S. in six trims: Premium, Limited, Touring, Limited XT, Touring XT, and Wilderness. Every trim comes standard with Symmetrical All-Wheel Drive and Subaru’s upgraded EyeSight driver-assist system. MSRP starts at $34,995 for the Premium and reaches $47,995 for the Touring XT, before destination, taxes, and fees. Trim can matter for insurance: InsuredBetter’s trim-level averages run from about $165 per month for full coverage on the Premium to about $224 on the Touring XT, although that table spans several model years.
Why Do Subaru Outback Insurance Rates Vary?
Two drivers with the same Outback can pay very different premiums. The biggest single swing is where you live: insurance is regulated state by state, and minimum-coverage Outback averages alone range from about $31 per month in Wyoming to about $168 per month in Louisiana, according to InsuredBetter. Your driving history, the coverage limits you choose, your deductible, your age, and your annual mileage all move the number as well.
Higher-Cost Example
- Louisiana — Outback drivers pay about $168 per month for minimum coverage and about $355 per month for full coverage, per InsuredBetter’s state averages.
Lower-Cost Example
- Wyoming — Outback drivers pay about $31 per month for minimum coverage and about $95 per month for full coverage, per InsuredBetter’s state averages.
Vehicle-side factors matter, too. The Outback’s low collision-loss history points to one reason its rates run below the SUV average, and InsuredBetter lists vehicle safety features among the factors that influence cost. But a clean driving record, a higher deductible, and living in a lower-cost state can swing the premium far more than anything about the vehicle itself. No single factor guarantees a specific rate.
See What the Outback Would Cost You
Quotes vary by state, coverage, and driver profile. The only number that matters for you is the one you get from an insurer.
GET YOUR CAR INSURANCE QUOTESWhat Drivers Should Do Now
If you are shopping an Outback or already own one, four practical steps reduce the odds of overpaying.
What the Data Does Not Tell You
The estimates in this article are national averages built from each source’s own data and methods. They are not personalized quotes and do not reflect your state, driving record, coverage choices, or credit-based insurance score. A national average does not represent any single state — the Wyoming-to-Louisiana gap above shows how much geography can move the number. The collision-loss score comes from earlier-generation Outbacks, not the redesigned 2026 model. The monthly figure is a simple calculation from the annual estimate and may not match how an insurer bills. A low average does not guarantee that a specific insurer will offer you the lowest rate. This article is general information, not legal or financial advice; for questions about your rights or to file a complaint, contact your state insurance department.
Frequently Asked Questions About Subaru Outback Insurance
Is the Subaru Outback expensive to insure?
No. National estimates place the Outback among the least expensive new vehicles to insure. InsuredBetter estimates an average of $1,958 per year for full coverage. A Compare.com study reported by USA Today puts it at $1,969, ranking it first on its list of the ten cheapest 2025–2026 models to insure, against an average of $2,879 for new vehicles. Your actual rate depends on your state, driving record, coverage choices, and other personal factors.
How much does Subaru Outback insurance cost per month?
About $163 per month for full coverage, based on the InsuredBetter annual estimate of $1,958 divided by 12. The monthly figure is a calculation, not a billing amount. Insurers may bill monthly, quarterly, semi-annually, or annually, and your actual premium depends on your individual profile.
The Bottom Line
The 2026 Subaru Outback pairs a top IIHS safety award and standard all-wheel drive with a low collision-loss history for earlier models, and national estimates put it among the cheapest new vehicles to insure in the United States. National averages sit near $1,960 per year for full coverage. What you actually pay will hinge far more on your state, driving record, and coverage choices than on the badge on the grille.
Before you buy, get real quotes with the exact limits you plan to carry. That is the only number that answers “How much will this cost me?”
How We Verified This
This article was checked against primary sources opened during editing, including InsuredBetter’s 2026 Outback guide (updated September 8, 2026), a Compare.com study reported by USA Today (August 25, 2026), Highway Loss Data Institute collision loss data for 2020–22 models (Table 6, Report R-23), and IIHS ratings for the 2026 Outback. Figures are national averages and estimates, not quotes.
Sources
- InsuredBetter, Subaru Outback Car Insurance Cost, Quotes & Discounts: 2026 Guide, September 8, 2026.
- USA TODAY, Take a look at the 10 cheapest cars to insure in 2026, August 25, 2026 (citing a Compare.com study).
- Subaru of America, The 2026 Subaru Outback, accessed October 15, 2026.
- Subaru of America, Subaru Announces Pricing on All-New 2026 Outback SUV, August 21, 2025.
- Insurance Institute for Highway Safety, 2026 Subaru Outback, accessed October 15, 2026.
- Highway Loss Data Institute, Collision Losses, 2020–22 Passenger Cars, Pickups, SUVs and Vans (Insurance Report R-23), April 2023.
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