Estimates, not quotes

Subaru Outback Insurance Cost in Washington, D.C.

Insuring a Subaru Outback in Washington, D.C. costs about $1,485 a year ($124/month) for full coverage by our estimate — +25% versus the same car nationally — the 4th most expensive of 51 states for this model.

Subaru Outback (photo from Wikimedia Commons)
Photo: MercurySable99, CC BY-SA 4.0
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

Subaru Outback insurance in Washington, D.C. at a glance

Full coverage
$1,485
$1,220–$1,755
25/50/10 minimum
$560
$47/mo
Same car nationally
$1,190
full coverage
Avg. car in DC
$2,005
−26% for the Outback

The Subaru Outback is 26% cheaper than the average vehicle to insure in Washington, D.C., reflecting HLDI collision losses of 63 and comprehensive losses of 84 (100 = average). Washington, D.C.'s own base rates are 31% higher than the national average, which carries through to every model.

Washington, D.C. factors that affect Outback premiums

  • Uninsured drivers: 23.1% of Washington, D.C. drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Outback.
  • Theft: 674 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Washington, D.C.'s expected annual losses as very low for hail, relatively low for tornado, relatively low for hurricane, relatively low for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.33 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Washington, D.C. →

Subaru Outback insurance cost in Washington, D.C. cities

CityFull coverageMinimumvs. state
Washington$1,485$5600%

Subaru Outback insurance in Washington, D.C. by driver

Estimated annual Subaru Outback premium in Washington, D.C.
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,540 $2,235 $4,085 $340
Young adult (22) $895 $1,300 $2,375 $198
Adult in their 30s $560 $810 $1,485 $124
Adult in their 50s $515 $745 $1,365 $114
Senior (72) $625 $910 $1,665 $139
30s, one at-fault accident $810 $1,175 $2,155 $180
30s, DUI on record $1,035 $1,500 $2,750 $229

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $560 $47 $460–$660
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $810 $68 $665–$960
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,485 $124 $1,220–$1,755

Washington, D.C. minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Washington, D.C.

ModelFull coverage in DCvs. Outback
Toyota Prius v$1,910+29%
Nissan Cube$1,910+29%
Volvo V60$1,605+8%
Scion xB$1,910+29%

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Subaru Outback insurance cost in every state · All Subaru models

Frequently asked questions

How much is Subaru Outback insurance in Washington, D.C.?

About $1,485 a year ($124 a month) for full coverage and $560 for Washington, D.C.'s minimum liability, for a driver in their 30s with a clean record. That is 25% more than the national estimate for the same car.

Is the Subaru Outback cheaper to insure than the average car in Washington, D.C.?

The average vehicle in Washington, D.C. is about $2,005 a year for full coverage in our model, so the Subaru Outback is 26% cheaper than average.

Where in Washington, D.C. is Subaru Outback insurance cheapest?

Among the largest Washington, D.C. cities, Washington has the lowest estimate (about $1,485) and Washington the highest (about $1,485).

What insurance do I need for a Subaru Outback in Washington, D.C.?

Washington, D.C. requires at least 25/50/10 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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