Cheap Subaru Outback Car Insurance in 2024 (Find Savings With These 10 Companies)
USAA, Safeco, and Progressive lead the pack for the best cheap Subaru Outback car insurance, offering competitive rates and comprehensive coverage. With rates as low as $29/month, these top providers deliver affordability and quality. Discover how these winning companies ensure you get the best insurance deals.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Min. Coverage for Subaru Outback
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage for Subaru Outback
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage for Subaru Outback
A.M. Best Rating
Complaint Level
Pros & Cons
USAA, Safeco, and Progressive lead the pack for the best cheap Subaru Outback car insurance, with rates starting as low as $29 per month.
These top providers stand out not only for their competitive pricing but also for their strong coverage options and excellent customer service. Understanding the factors that affect insurance rates can help you find the best deal.
Our Top 10 Company Picks: Cheap Subaru Outback Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $29 A++ Military Members USAA
#2 $32 A Diminishing Deductible Safeco
#3 $41 A+ Competitive Rates Progressive
#4 $48 A+ Youth Discounts Erie
#5 $50 A++ Cheap Rates Geico
#6 $63 A+ Exclusive Benefits The Hartford
#7 $66 A Loyalty Rewards American Family
#8 $69 A++ Accident Forgiveness Auto-Owners
#9 $70 A+ Customer Service Amica Mutual
#10 $76 A First-Responder Discount Farmers
Discover how these companies can save you money while providing comprehensive coverage for your Subaru Outback. Avoid overpaying for your car insurance by entering your ZIP code above in our free comparison tool to find which company has the lowest rates.
Factors That Affect Subaru Outback Car Insurance Rates
When it comes to determining car insurance premiums for your Subaru Outback, several factors will influence the cost. One key factor is your driving record. If you have a clean driving history with no accidents or traffic violations, your insurance cost is likely to be lower than someone with a history of accidents or speeding tickets.
Another essential aspect is the Subaru Outback model year. Generally, older models may have lower insurance rates compared to newer ones. Additionally, your location can play a significant role in insurance costs. Certain areas with higher rates of accidents or vehicle thefts may result in higher premiums.
Subaru Outback Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
American Family | $66 | $176 |
Amica Mutual | $70 | $231 |
Auto-Owners | $69 | $186 |
Erie | $48 | $127 |
Farmers | $76 | $198 |
Geico | $50 | $132 |
Progressive | $41 | $110 |
Safeco | $32 | $82 |
The Hartford | $63 | $165 |
USAA | $29 | $78 |
Other factors include your age, gender, credit score, and even your marital status. Insurance companies consider all these factors when determining the cost of insuring your Subaru Outback. Another factor that can affect Subaru Outback car insurance rates is the level of coverage you choose.
Opting for comprehensive coverage, which includes protection against theft, vandalism, and natural disasters, may result in higher premiums compared to basic liability coverage. Additionally, your deductible amount can impact your insurance costs. A higher deductible means you’ll have to pay more out of pocket in the event of a claim, but it can also lead to lower premiums.
Furthermore, your annual mileage can also influence your insurance rates. If you drive your Subaru Outback frequently and cover long distances, you may be considered a higher risk and face higher premiums. On the other hand, if you have a low annual mileage, you may be eligible for discounts or lower rates.
Understanding the Average Cost of Subaru Outback Car Insurance
While the cost of insurance can vary depending on various factors, it’s helpful to have an idea of the average cost. On average, Subaru Outback car insurance can range from $85 to $125 per month. However, it’s important to remember that these figures are just averages, and your own rates may differ based on your unique circumstances.
Jeff Root Licensed Insurance Agent
To get an accurate estimate of the cost of insuring your specific Subaru Outback, it’s best to obtain quotes from different insurance companies. Factors that can affect the cost of Subaru Outback car insurance include your age, driving record, location, and the level of coverage you choose. Younger drivers and those with a history of accidents or traffic violations may face higher insurance premiums.
Additionally, living in an area with high crime rates or a high number of accidents can also result in higher rates. It’s important to consider these factors when obtaining quotes and comparing car insurance options to ensure you’re getting the best coverage at the most affordable price.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Comparing Car Insurance Quotes for Subaru Outback
Obtaining multiple car insurance quotes is crucial to finding the best coverage at an affordable price for your Subaru Outback. Each insurance company has its own way of assessing risk and calculating premiums, so it’s essential to gather quotes from several providers. When comparing quotes, pay attention to the coverage limits, deductible amounts, and any exclusions or additional benefits.
By carefully analyzing the quotes, you can make an informed decision and choose the best insurance policy for your Subaru Outback. One important factor to consider when comparing car insurance quotes for your Subaru Outback is the reputation and financial stability of the insurance company.
It’s essential to choose a company that has a strong track record of customer satisfaction and prompt claims processing. Researching customer reviews and ratings can give you valuable insights into the company’s reliability and customer service. Additionally, it’s worth exploring any discounts or special offers that insurance companies may provide for Subaru Outback owners.
Some insurers offer discounts for safety features such as anti-lock brakes, airbags, and anti-theft devices. Others may provide lower rates for drivers with a clean driving record or for those who bundle their car insurance with other policies, such as home or renters insurance. Taking advantage of these discounts can help you save money on your car insurance premiums.
Tips for Finding Affordable Subaru Outback Car Insurance
If you’re looking to reduce the cost of insurance for your Subaru Outback, there are several tips you can follow. First and foremost, maintaining a clean driving record is essential. Safe driving habits can help you avoid accidents and traffic violations, which can lead to lower insurance premiums.
Additionally, bundling your Subaru Outback insurance with other policies, such as homeowner’s insurance, can often result in discounts from insurance companies. You may also consider increasing your deductible, which could lower your premium but also means you would pay more out of pocket in the event of a claim.
Furthermore, taking advantage of available discounts, such as being a safe driver or having certain safety features installed in your Subaru Outback, can also help reduce your insurance costs. Discover our comprehensive guide to “Lesser Known Car Insurance Discounts for” for additional insights.
The Impact of Subaru Outback Model Year on Insurance Rates
As mentioned earlier, the model year of your Subaru Outback can significantly impact your insurance rates. In general, older models tend to have lower insurance premiums compared to newer ones. For further details, check out our in-depth “Insurance Quotes Online” article.
This is primarily due to the higher value and technology present in newer vehicles. However, it’s essential to note that other factors, such as safety features and crash test ratings, can also influence insurance rates. Newer models often come equipped with advanced safety features that may qualify you for discounts with certain insurance providers.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
How Your Location Affects the Cost of Insuring a Subaru Outback
Where you live can have a substantial impact on your Subaru Outback insurance rates. Insurance companies analyze data related to accident rates, theft rates, and other statistical factors to determine the risk associated with insuring a vehicle in specific areas. If you reside in an urban area with high traffic congestion or a higher incidence of vehicle thefts, it’s likely that your insurance rates will be higher.
Additionally, areas prone to severe weather conditions or natural disasters can also lead to increased insurance costs. On the other hand, living in a safe and suburban neighborhood with lower crime rates and accident rates can result in lower insurance premiums for your Subaru Outback. Learn more by visiting our detailed “Full Coverage Car Insurance: A Complete Guide” section.
Exploring Different Coverage Options for Your Subaru Outback
When it comes to insuring your Subaru Outback, you have various coverage options to choose from. The most basic coverage is liability insurance, which is typically required by law in most states. This coverage helps cover costs associated with injuries or damages to others in an accident where you are at fault.
On top of liability insurance, you may consider collision coverage, which helps pay for repairs or replacement of your Subaru Outback in the event of an accident. Another essential coverage option is comprehensive insurance, which covers damages to your vehicle not caused by a collision, such as theft, vandalism, or severe weather damage.
Understanding your coverage options and choosing the right combination that suits your needs is crucial in ensuring you have adequate protection for your Subaru Outback. Dive deeper into “Types of Car Insurance Coverage” with our complete resource.
How Your Driving Record Affects Subaru Outback Insurance
Your driving record plays a significant role in determining the cost of insuring your Subaru Outback. Insurance companies view individuals with a clean driving record as less of a risk, resulting in lower premiums. On the other hand, if you have a history of accidents, traffic violations, or DUI convictions, you can expect your insurance rates to be higher.
It is important to maintain safe driving habits, follow traffic laws, and avoid any behaviors that can lead to a poor driving record. By doing so, you can not only keep yourself and others safe on the road but also potentially save money on your Subaru Outback insurance. Read our extensive guide on “How much is car insurance?” for more knowledge.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
How to Save Money on Insurance for Your Subaru Outback
Saving money on your Subaru Outback car insurance can be achieved through various methods. One of the most effective ways is to shop around and compare rates from different insurance providers. By obtaining multiple quotes, you can identify potential cost savings and find a policy that fits your budget.
Additionally, taking advantage of available discounts, such as good driver discounts or multi-policy discounts, can help lower your premiums. Maintaining a good credit score can also make a difference in your insurance rates, as many companies factor in credit history when determining premiums.
Lastly, regularly reviewing and adjusting your coverage limits and deductibles to match your needs can ensure you’re not paying for more coverage than necessary.
Common Discounts Available for Subaru Outback Car Insurance
Insurance companies often offer various discounts that can help reduce the cost of insuring your Subaru Outback. Some common discounts include safe driver discounts for individuals with a clean driving record, multi-policy discounts for bundling multiple insurance policies, and discounts for having certain safety features installed in your Subaru Outback, such as anti-lock brakes or adaptive cruise control.
Additionally, insurance companies may offer discounts for completing defensive driving courses or being a member of certain professional organizations. It is worth exploring all potential discounts and discussing them with insurance providers to see how they can help lower your Subaru Outback insurance premiums. Get more insights by reading our expert “Car Insurance Discounts by Age” advice.
Why Comprehensive Coverage is Important for Your Subaru Outback
Comprehensive coverage is an important aspect of insuring your Subaru Outback. While liability insurance covers damages to others in an accident you cause, comprehensive coverage protects your vehicle in situations beyond collisions. Learn more by visiting our detailed “Collision vs. Comprehensive Car Insurance” section.
This includes damages caused by theft, vandalism, severe weather conditions, falling objects, or even striking an animal. Considering the potential costs associated with these non-collision damages, having comprehensive coverage can provide peace of mind and financial protection for your Subaru Outback.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
How Deductibles Affect Subaru Outback Insurance
The deductible is a key component of car insurance that directly impacts your insurance rates. The deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in.
Higher deductibles typically result in lower insurance premiums, as you are assuming a greater portion of the risk. For further details, check out our in-depth “What is the difference between a deductible and a premium in car insurance?” article.
On the other hand, lower deductibles mean you will pay less out of pocket in the event of a claim, but your insurance premiums will generally be higher. It’s important to evaluate your financial situation and consider what you can comfortably afford to pay out of pocket when choosing your Subaru Outback insurance deductible.
Pros and Cons of Subaru Outback Insurance Bundling
Many insurance companies offer discounts to policyholders who bundle multiple policies together. Bundling your Subaru Outback insurance with your homeowner’s insurance, renter’s insurance, or other insurance policies can often result in cost savings.
By consolidating your policies with one insurer, you may also benefit from simplified billing and claims processes. However, it’s important to consider the individual merits of each policy and ensure that bundling provides adequate coverage for all your needs.
Comparing bundled rates with separate policies from different providers is a recommended step to ensure you are getting the best value for your Subaru Outback insurance. Dive deeper into “Can I bundle my car insurance with other policies?” with our complete resource.
Tips for Choosing the Right Insurer for Your Subaru Outback
Choosing the right insurance company for your Subaru Outback requires careful consideration. Start by researching the reputation and financial stability of potential insurers. Look for customer reviews and ratings to gauge their customer service and claims handling. It’s also essential to evaluate the coverage options offered, the discounts available, and the ease of the claims process.
Kristine Lee Licensed Insurance Agent
Additionally, consider the level of customer support provided by the insurer, including their availability and responsiveness to inquiries. By comparing insurers based on these factors, you can make an informed decision and select the best insurance company to protect your Subaru Outback. Continue reading our full “How to Get Free Insurance Quotes Online” guide for extra tips.
In conclusion, understanding the factors that affect Subaru Outback car insurance rates is essential for any owner. By considering factors such as your driving record, location, and model year, you can have a better idea of what to expect in terms of insurance costs. Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
Shopping around for multiple quotes, taking advantage of available discounts, and selecting the right coverage options can help you find affordable Subaru Outback car insurance. Remember to carefully evaluate each aspect and choose an insurer that offers a combination of competitive rates, excellent customer service, and adequate coverage for your Subaru Outback.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Frequently Asked Questions
What factors influence Subaru Outback car insurance costs?
Several factors influence the cost of Subaru Outback car insurance, including the driver’s age, location, driving history, chosen coverage options, deductible amount, and the insurance company’s pricing policies.
Are Subaru Outbacks expensive to insure?
The insurance cost for Subaru Outbacks can vary depending on various factors, but generally, they tend to have average insurance rates compared to other vehicles in their class.
Can I get cheaper car insurance for my Subaru Outback?
Yes, there are several ways to potentially lower your car insurance premiums for a Subaru Outback. These can include maintaining a clean driving record, bundling your insurance policies, increasing your deductibles, and exploring discounts offered by insurance companies.
For more information, explore our informative “How much is car insurance?” page.
What are some safety features of the Subaru Outback that can impact insurance rates?
The Subaru Outback is equipped with various safety features that can positively impact insurance rates. These features may include advanced driver-assistance systems (ADAS), collision avoidance systems, lane departure warning, adaptive cruise control, and blind-spot detection.
Which insurance companies offer coverage for Subaru Outback cars?
Many insurance companies provide coverage for Subaru Outback cars. Some well-known insurers that offer car insurance for Subaru Outbacks include Geico, State Farm, Progressive, Allstate, Farmers Insurance, and Liberty Mutual, among others.
What is the Subaru Outback insurance cost?
The average Subaru Outback insurance cost is about $120 per month. This rate reflects the general expense of insuring this vehicle, though individual premiums can vary based on factors like your driving record and location.
Expand your understanding with our thorough “Best Car Insurance for 21-Year-Old Drivers” overview.
Are Subaru Outbacks expensive to insure?
Yes, Subaru Outbacks can be relatively expensive to insure compared to some other vehicles. Their insurance rates are influenced by factors like the cost of repairs, safety features, and the model year of the Outback.
Why is Subaru Outback insurance so high?
Subaru Outback insurance can be high due to its repair costs, safety features, and the cost of parts. Additionally, the vehicle’s popularity and potential repair expenses can contribute to higher insurance premiums.
Who offers the cheapest Subaru Outback car insurance?
USAA offers the cheapest Subaru Outback car insurance with rates as low as $29 per month for qualified members. Other affordable options include Safeco and Progressive, known for competitive pricing.
Read our extensive guide on “Cheapest Car Insurance for 23-Year-Old Drivers” for more knowledge.
What are USAA insurance rates for Subaru Outback?
USAA offers some of the lowest insurance rates for Subaru Outback, with monthly premiums starting around $29. USAA’s rates are highly competitive due to their extensive coverage options and discounts.
Is USAA insurance cheaper for a Subaru Outback?
Yes, USAA insurance is often cheaper for a Subaru Outback compared to other insurers. USAA’s low rates are due to their efficient claims processes and high customer satisfaction levels.
What are the best Subaru Outback car insurance companies?
The best Subaru Outback car insurance companies include USAA, Safeco, and Progressive. These providers are known for their low rates and comprehensive coverage options for Subaru Outback owners.
Discover our comprehensive guide to “Commercial Auto Insurance: A Complete Guide” for additional insights.
Geico vs. Progressive Subaru Outback insurance: Which is better?
For Subaru Outback insurance, Progressive often offers slightly better rates and more comprehensive coverage options compared to Geico. However, the best choice depends on individual needs and specific discounts.
What type of Subaru Outback insurance is cheapest?
Liability insurance is typically the cheapest type of Subaru Outback insurance. This coverage meets state minimum requirements but does not cover damage to your own vehicle.
How does Subaru Outback insurance cost by age?
Subaru Outback insurance costs can vary significantly by age. Younger drivers generally face higher premiums, while rates tend to decrease as drivers gain more experience and a cleaner driving record.
For further details, check out our in-depth “What age do you get cheap car insurance?” article.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.