Estimates, not quotes

Subaru Outback vs Volvo V60 Insurance Cost

The Subaru Outback is cheaper to insure by about $65 a year for full coverage by our estimate ($1,190 vs. $1,255), and cheaper in 51 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

CoverageSubaru OutbackVolvo V60Difference
State minimum$465$485−$20
Standard (100/300/100)$670$705−$35
Full coverage$1,190$1,255−$65

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Outback minus V60.

Why one costs more to insure

FactorSubaru OutbackVolvo V60
SegmentWagonWagon
PowertrainsGasolineGasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)6374
HLDI comprehensive84—
HLDI property damage liability6869
HLDI bodily injury liability58—
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)04

Collision losses are the biggest swing factor: the Volvo V60 has 11 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Outback vs V60 insurance by state

StateOutbackV60Difference
Alabama$1,035$1,095−$60
Alaska$1,035$1,090−$55
Arizona$1,250$1,320−$70
Arkansas$1,055$1,110−$55
California$1,140$1,210−$70
Colorado$1,380$1,450−$70
Connecticut$1,250$1,325−$75
Delaware$1,320$1,390−$70
District of Columbia$1,485$1,570−$85
Florida$1,695$1,785−$90
Georgia$1,465$1,545−$80
Hawaii$805$855−$50
Idaho$810$850−$40
Illinois$1,030$1,085−$55
Indiana$845$890−$45
Iowa$830$870−$40
Kansas$975$1,020−$45
Kentucky$1,005$1,060−$55
Louisiana$1,650$1,740−$90
Maine$755$800−$45
Maryland$1,325$1,400−$75
Massachusetts$1,155$1,220−$65
Michigan$1,285$1,360−$75
Minnesota$1,010$1,060−$50
Mississippi$1,150$1,210−$60
Missouri$1,095$1,150−$55
Montana$975$1,020−$45
Nebraska$975$1,020−$45
Nevada$1,350$1,425−$75
New Hampshire$840$890−$50
New Jersey$1,420$1,495−$75
New Mexico$1,070$1,130−$60
New York$1,585$1,675−$90
North Carolina$885$935−$50
North Dakota$780$820−$40
Ohio$850$895−$45
Oklahoma$1,090$1,145−$55
Oregon$1,065$1,120−$55
Pennsylvania$1,035$1,095−$60
Rhode Island$1,420$1,500−$80
South Carolina$1,275$1,345−$70
South Dakota$955$995−$40
Tennessee$985$1,040−$55
Texas$1,425$1,500−$75
Utah$1,075$1,130−$55
Vermont$770$815−$45
Virginia$1,020$1,075−$55
Washington$1,030$1,085−$55
West Virginia$1,005$1,060−$55
Wisconsin$825$865−$40
Wyoming$970$1,010−$40

By driver profile (full coverage)

DriverOutbackV60
Teen driver (18, own policy)$3,265$3,445
Young adult (22)$1,900$2,005
Adult in their 30s$1,190$1,255
Adult in their 50s$1,095$1,155
Senior (72)$1,330$1,405
30s, one at-fault accident$1,725$1,815
30s, DUI on record$2,200$2,320

More comparisons

Frequently asked questions

Is the Subaru Outback or the Volvo V60 cheaper to insure?

By our estimate the Subaru Outback is cheaper, by about $65 a year for full coverage ($1,190 vs. $1,255) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Subaru Outback and Volvo V60?

Mostly because of insurance-loss history: HLDI collision indices of 63 vs. 74 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