How much is Subaru Outback insurance in Illinois?
For the driver profile in our methodology, a 2024 Subaru Outback costs between $37/mo at the state minimum and $228/mo for low-deductible full coverage. Most owners land in the full-coverage row — lenders and lessors require it.
| Coverage level | What it covers | Monthly | Annual |
|---|---|---|---|
| Minimum Coverage | Other people's injuries and property only | $37 – $62 | $444 – $744 |
| Liability OnlyYou’re viewing this tier | Higher limits; still nothing for your car | $49 – $81 | $588 – $972 |
| Full CoverageMost owners | Adds damage to your Outback, theft, glass | $116 – $194 | $1,392 – $2,328 |
| Full Coverage + Low Deductible | Same, with less out of pocket per claim | $137 – $228 | $1,644 – $2,736 |
What liability only includes
- Liability limits above the 25/50/20 plus 25/50 UM floor (typically 50/100 or 100/300 in the market — your quote sets the number)
- No required PIP in this state
- Uninsured/underinsured motorist as listed with the state minimum
- Still no comprehensive or collision on the Outback
What Illinois requires to drive a Outback
Illinois lists 25/50/20 plus 25/50 UM as the liability floor. That is what makes a Outback legal to drive — not full coverage, not a $500 deductible, and not a particular carrier.
- Liability floor
- 25/50/20 plus 25/50 UM
- Fault system
- Illinois is a tort (at-fault) state — the driver who causes a crash is who liability pays for.
- PIP
- PIP is not a required minimum in this state.
- Uninsured motorist in the minimum
- UM/UIM is listed with this state’s minimum package in our registry.
Outback insurance cost by model year
Newer models cost more to insure — a 2024 Outback runs about 17% more than a 2020 — because comp and collision track replacement value and parts cost. Liability barely moves with age.
| Model year | Full coverage / mo | Liability / mo | vs. 2024 |
|---|---|---|---|
| 2024 | $116 – $194 | $49 – $81 | — |
| 2023 | $110 – $184 | $49 – $80 | −5% |
| 2022 | $106 – $177 | $48 – $79 | −9% |
| 2021 | $101 – $169 | $47 – $78 | −13% |
| 2020 | $96 – $161 | $46 – $76 | −17% |
Outback vs. comparable vehicles
How the Outback stacks up against the vehicles shoppers most often cross-shop it with. Same coverage, same driver profile.
| Vehicle | Full coverage / mo | vs. Outback | Why it differs |
|---|---|---|---|
| Subaru Outback | $116 – $194 | — | Segment-average claim severity |
| Toyota RAV4 | $116 – $194 | — | RAV4 skips the standard-AWD hardware premium on collision repairs. |
| Subaru Forester | $116 – $194 | — | Forester shares the drivetrain; the Outback's longer body costs slightly more to fix. |
| Mazda CX-5 | $116 – $194 | — | CX-5 rates close; EyeSight-equipped Subarus log fewer at-fault claims. |
Outback insurance cost by Illinois city
Chicago drivers pay about 20% above the state average while Springfield runs 10% below. City pricing follows claim frequency — dense-metro traffic and repair costs carry the surcharge.
| City | Full coverage / mo | vs. IL average |
|---|---|---|
| Chicago | $139 – $233 | +20% |
| Aurora | $128 – $213 | +10% |
| Joliet | $125 – $210 | +8% |
| Rockford | $118 – $198 | +2% |
| Springfield | $104 – $175 | −10% |
Why Outback insurance costs what it costs
Liability-only on a 2024 Subaru Outback in Illinois raises the limits above 25/50/20 plus 25/50 UM but still leaves the Outback uninsured for its own damage. Collision, theft, hail, glass, and animal strikes stay with the owner.
The Outback is a SUV in the mainstream MSRP tier, with near-segment-average claim severity in our model and a 5-star NHTSA overall rating in our registry. It is not on the NICB top-100 most-stolen list in our registry, so theft is not a modeled comprehensive surcharge here.
Liability-only here ($49 – $81) sits between the $37 – $62 minimum and $116 – $194 full-coverage bands. You are paying for higher limits, not for repairing the Outback.
Chicago is modeled 20% above the IL average ($139 – $233/mo full coverage on this Outback); Springfield is modeled 10% below at $104 – $175. Those city factors scale the same band as the hero — they are not a second rate file. UM/UIM is listed with Illinois's minimum package in our registry.
What the model knows about this Outback
- NHTSA overall
- 5 starsFeeds the safety multiplier in our rate model. We do not publish IIHS/HLDI scores — they are not in this registry.
- NICB theft list
- Not in top 100No theft surcharge is applied for this vehicle in the model.
- MSRP tier
- mainstreamReplacement-cost proxy. Higher tiers raise the full-coverage mid-point.
- Repair severity
- moderateClaim-severity proxy used only on comprehensive/collision, not on the liability floor.
Is liability only the right tier for you?
- The Outback is paid off and you want more lawsuit room than 25/50/20 plus 25/50 UM without paying $116 – $194 for the car itself
- You can cash-fund a total loss on this mainstream-tier SUV
- You are deliberately banking the $67–$113/mo gap to full coverage
- Financed or leased Outback — comprehensive and collision are typically required
- A newer mainstream-tier SUV whose replacement cost still dwarfs $49 – $81
- Drivers who park in weather- or theft-exposed conditions and cannot self-insure comprehensive losses
$500 vs $250 deductible on a Outback
On a Outback this model prices a $250 deductible at $21–$34/mo above the $500 deductible. You save $250 per comprehensive or collision claim; you pay the extra premium every month whether you claim or not.
| Tier | Deductible | Monthly | Annual | In this file |
|---|---|---|---|---|
| Standard full coverage | $500 | $116 – $194 | $1,392–$2,328 | Default first-party deductible in this model |
| Low-deductible full coverage | $250 | $137 – $228 | $1,644–$2,736 | Priced at 1.18× the $500 band in rates.ts |
Add-ons that are not automatic on liability coverage
These are typical market add-ons, not Illinois mandates and not priced in our rate model. Confirm each line on a quote.
- Roadside assistance
Useful on a SUV you drive far from a dealer network — towing, lockout, flat.
2024 vehicles may still have factory roadside; stacking two roadside products rarely helps.
- Medical payments (MedPay)
Illinois does not require PIP, so MedPay is the usual small first-party medical add-on for occupants.
It is not a substitute for health insurance, and it is not required in this state.
Carriers that commonly quote Illinois
These are carriers we have real logos for and that commonly quote Illinois. We do not publish a per-carrier Outback price — that would be a fabricated quote. The range on this page is the modeled band, not “from $X at GEICO.”
GEICOLowest base rate
ProgressiveSR-22 + tickets
State FarmBundling + agents
How to lower your Outback rate
- Raise your deductible to $1,000. On a Outback premium this is the single biggest lever you control directly.Saves ~$12–$23/mo
- Shop at least three carriers. Rates for the identical Outback profile differ by 2x or more between carriers in Illinois.Saves up to $1,000+/yr
- Clean up billing. Paid-in-full, paperless, and autopay credits stack — small individually, real together, and none are applied unless you ask.Saves 3–8%
- Ask about safety-tech discounts. Automatic emergency braking, lane keeping, and anti-theft equipment all carry filed credits with some carriers — none are applied unless you ask.Saves 3–8%
- Report your real mileage. Commuting under ~10,000 miles a year moves you down a rating band with most carriers, and pay-per-mile programs go further if you drive little.Saves 5–15%
- Bundle home or renters. Multi-policy is the largest standing discount most carriers file — typically 10–20% off the auto side.Saves 10–20%
About these numbers
Sources. Rate ranges are modeled from average premiums published by the Illinois Department of Insurance and industry rate data, adjusted per vehicle using NICB theft rankings, NHTSA safety ratings, MSRP tier, and repair-severity data. They are estimates, not filed quotes.
Rating profile. Unless noted: a 35–55-year-old driver with a clean record, average credit where states allow it, 12,000 annual miles, and standard $500 comprehensive and collision deductibles. Your rate will differ — that is the point of quoting.
Ranges, not averages. We publish a band rather than a single average because the spread between carriers for the same driver routinely exceeds 2x — a lone number hides the gap that makes shopping worth your time.
What this model does not do. It does not publish age-band prices, ticket/DUI/credit surcharge tables, per-carrier quotes, J.D. Power ranks, NAIC complaint indexes, or IIHS/HLDI scores. Vehicle knobs are only the four in the rate model: MSRP tier, NICB theft rank, NHTSA stars, and repair-severity tier. The $250-deductible band is the $500 band × 1.18.
Subaru Outback insurance in Illinois: FAQ
01What extra do I get vs Illinois minimum on a Outback?
Higher liability caps than 25/50/20 plus 25/50 UM. You still do not have comprehensive or collision. The modeled price for that middle tier is $49 – $81; full coverage on the same 2024 Subaru Outback is $116 – $194.
02What does Illinois actually require to drive a Outback?
Illinois lists 25/50/20 plus 25/50 UM as the liability floor. Full coverage is a market/lender product on top of that, modeled here at $116 – $194 for a 2024 Subaru Outback.
03Does Outback insurance cost more in Chicago than in Springfield?
In this model, yes — Chicago is 20% vs the IL average ($139 – $233/mo full coverage) and Springfield is -10% ($104 – $175). Same 2024 Subaru Outback, same driver profile; only the city factor changes.
04Does a 5-star NHTSA rating lower Outback insurance in Illinois?
This model applies a small credit for a 5-star overall NHTSA rating (the Outback is a 5). It is one of four vehicle modifiers next to MSRP tier, theft rank, and repair tier — not a standalone “safety discount” we can quote as a percent off your bill.
