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Why It Will Cost You Less To Insure The 2021 Subaru Outback Than Other SUVs

The 2021 Subaru Outback costs less to insure than other SUVs. See why the Outback is a more reasonable risk for insurance companies.


A new Bankrate report says it costs less to insure the 2021 Subaru Outback than other midsize SUVs. Why is insurance less for the Outback? Based on 2020 Quadrant Information Services data, the report says insurance companies base their premiums on risk, and the Outback is less of a risk because of one thing; fewer accidents.

The more likely the vehicle is to be involved in an accident, the more it costs to fix it, and it is the primary factor in auto insurance base rates. Companies also consider crash test ratings, the size of the engine and horsepower, and safety features.

2021 Subaru Outback, features, specs, pricing
photo credit: Crosscreek Subaru

Why is insurance less for the Outback?

The standard safety features and stellar crash test ratings from the IIHS and NHTSA can make the Outback cheaper to insure than other makes and models.

All 2021 Subaru Outback trim levels come standard with the automaker’s EyeSight driver-assist safety technology. The Insurance Institute for Highway Safety (IIHS) rates the 2021 Outback a Top Safety Pick + winner, the highest score among all midsize SUVs.

2021 Subaru Outback, features, specs, price

Insurance companies like the fact that all Outback trim levels come with the latest safety features. Automatic emergency braking with pedestrian detection, lane-departure warning, automatic high beams, blind-spot monitors with rear cross-traffic alerts, and adaptive cruise control.

How much does it cost to buy insurance on a 2021 Subaru Outback?

An insurance rate analysis in 2020 from Quadrant Information Services calculated the average cost of full coverage car insurance as $1,738 in the United States. For a 2021 Subaru Outback, the average cost of full coverage insurance is only $1,361. That’s a savings of $377 per year compared to the national average.

Why is the Outback involved in fewer accidents?

Less risky drivers purchase the Outback. Peter Tenn, a planning manager for Subaru, says the number one occupation buying the new Outback is educators followed by health-care workers (a lot of buyers are nurses), and the third group is people in technology fields.

2021 Subaru Outback, features, specs, price
photo credit: Crosscreek Subaru

According to Subaru, the average age of Outback buyers is 45, and the gender split is 52 percent male, 48 percent female. Seventy-eight percent are married, and the average household income is $75,000 to $99,000. Outback customers look for a vehicle that will get them to work in all conditions and are also concerned with safety.

What is the price of a 2021 Subaru Outback?

The 2021 Outback comes in seven trim levels, base $27,845, Premium ($30,095), Limited ($34,645), Onyx Edition XT ($36,195), Limited XT ($38,545), Touring ($39,045), and Touring XT ($40,995). Pricing includes $1,050 destination. Consumer Reports says the average market price is $27,485 for the Premium trim after dealer incentives.

If you are considering buying a 2021 Subaru Outback, it means you are looking for the best midsize SUV at the right price with top safety features. Bankrate says it costs less to insure the 2021 Subaru Outback than other midsize SUVs because its owners have fewer accidents and are less risky.

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Denis Flierl has invested over 30 years in the automotive industry in a consulting role working with every major car brand. He is an accredited member of the Rocky Mountain Automotive Press. Check out Subaru Report where he covers all of the Japanese automaker's models. More stories can be found on the Torque News Subaru page. Follow Denis on Facebook, Twitter, and Instagram.

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Photo credit: Crosscreek Subaru