Subaru Outback vs Scion xB Insurance Cost

The Subaru Outback is cheaper to insure by about $0 a year for full coverage by our estimate ($1,190 vs. $1,190), and cheaper in 17 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Subaru Outback	Scion xB	Difference
State minimum	$465	$595	−$130
Standard (100/300/100)	$670	$865	−$195
Full coverage	$1,190	$1,190	—

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Outback minus xB.

Why one costs more to insure

Factor	Subaru Outback	Scion xB
Segment	Wagon	Wagon
Powertrains	Gasoline	Gasoline
HLDI collision (100 = avg)	63	—
HLDI comprehensive	84	—
HLDI property damage liability	68	—
HLDI bodily injury liability	58	—
NHTSA overall rating	5★	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	0	3

Outback vs xB insurance by state

State	Outback	xB	Difference
Alabama	$1,035	$1,000	+$35
Alaska	$1,035	$1,030	+$5
Arizona	$1,250	$1,260	−$10
Arkansas	$1,055	$985	+$70
California	$1,140	$1,130	+$10
Colorado	$1,380	$1,320	+$60
Connecticut	$1,250	$1,305	−$55
Delaware	$1,320	$1,410	−$90
District of Columbia	$1,485	$1,480	+$5
Florida	$1,695	$1,845	−$150
Georgia	$1,465	$1,555	−$90
Hawaii	$805	$795	+$10
Idaho	$810	$795	+$15
Illinois	$1,030	$1,010	+$20
Indiana	$845	$825	+$20
Iowa	$830	$740	+$90
Kansas	$975	$890	+$85
Kentucky	$1,005	$1,010	−$5
Louisiana	$1,650	$1,670	−$20
Maine	$755	$730	+$25
Maryland	$1,325	$1,360	−$35
Massachusetts	$1,155	$1,160	−$5
Michigan	$1,285	$1,275	+$10
Minnesota	$1,010	$950	+$60
Mississippi	$1,150	$1,100	+$50
Missouri	$1,095	$1,050	+$45
Montana	$975	$880	+$95
Nebraska	$975	$890	+$85
Nevada	$1,350	$1,480	−$130
New Hampshire	$840	$825	+$15
New Jersey	$1,420	$1,520	−$100
New Mexico	$1,070	$1,045	+$25
New York	$1,585	$1,675	−$90
North Carolina	$885	$830	+$55
North Dakota	$780	$680	+$100
Ohio	$850	$825	+$25
Oklahoma	$1,090	$1,015	+$75
Oregon	$1,065	$1,120	−$55
Pennsylvania	$1,035	$995	+$40
Rhode Island	$1,420	$1,495	−$75
South Carolina	$1,275	$1,325	−$50
South Dakota	$955	$800	+$155
Tennessee	$985	$950	+$35
Texas	$1,425	$1,365	+$60
Utah	$1,075	$1,125	−$50
Vermont	$770	$715	+$55
Virginia	$1,020	$1,020	—
Washington	$1,030	$1,075	−$45
West Virginia	$1,005	$940	+$65
Wisconsin	$825	$780	+$45
Wyoming	$970	$820	+$150

By driver profile (full coverage)

Driver	Outback	xB
Teen driver (18, own policy)	$3,265	$3,275
Young adult (22)	$1,900	$1,905
Adult in their 30s	$1,190	$1,190
Adult in their 50s	$1,095	$1,095
Senior (72)	$1,330	$1,335
30s, one at-fault accident	$1,725	$1,725
30s, DUI on record	$2,200	$2,205

More comparisons

Frequently asked questions

Is the Subaru Outback or the Scion xB cheaper to insure?

By our estimate the Subaru Outback is cheaper, by about $0 a year for full coverage ($1,190 vs. $1,190) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Subaru Outback and Scion xB?

Mostly because of insurance-loss history: HLDI collision indices of 63 vs. n/a and comprehensive indices of 84 vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page