Buying cheap insurance for a Subaru Outback relies on a complicated formula that considers factors such as age of the vehicle, your credit history, and the level of deductible you choose. Drivers in California pay approximately $1,151 annually for Outback insurance, but that amount is an estimate using a 50-year-old married female driver with full physical damage coverage and $250 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 50 and maybe not even a female, maybe you are single instead of married, and you need different coverage limits than the sample rates. Even a slight change in policy rating criteria or coverages could result in a significant change in the amount insurance costs for a Subaru Outback.
Every driver’s needs are different, and that is why the best way to find the cheapest rates for your Subaru is to do your own rate comparisons.
The specific model of Outback tends to have a direct effect on the insurance rate, so the cost to insure a Outback 2.5I model will be $204 lower than the cost to insure the more costly Outback 3.6R Limited version, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $296 | $392 | $416 | $24 | $124 | $1,252 | $104 |
| Outback 2.5I Premium | $296 | $478 | $416 | $24 | $124 | $1,338 | $112 |
| Outback 2.5I Limited | $296 | $478 | $416 | $24 | $124 | $1,338 | $112 |
| Outback 3.6R | $296 | $478 | $416 | $24 | $124 | $1,338 | $112 |
| Outback 3.6R Premium | $296 | $478 | $416 | $24 | $124 | $1,338 | $112 |
| Outback 3.6R Limited | $330 | $562 | $416 | $24 | $124 | $1,456 | $121 |
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify insurance rates noticeably.
Choosing a highly-rated insurer can be rather challenging considering how many companies sell coverage in California. The company rank data in the lists below can help you decide which auto insurance companies you want to consider when trying find the best insurance for a Subaru Outback. The ratings below only include large, nationwide insurance companies, so smaller companies are not taken into consideration for these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
Full coverage versus liability only rates
Finding the cheapest auto insurance should be important to the majority of people, and one of the quickest ways to lower the cost of insurance for a Subaru Outback is to not buy full coverage. The example below shows the comparison of auto insurance costs with and without full coverage. The rates are based on no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are applied.
If we average the cost for all age groups, comprehensive and collision coverage on your policy costs an extra $3,057 per year more than buying just liability insurance. That proposes the question if buying full coverage is a waste of money. There is no written rule for excluding comp and collision coverage, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
There are some circumstances where dropping full coverage is not a good plan. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Get discounts on Irvine auto insurance
Car insurance companies that provide policies for a Subaru Outback may have premium discounts that can lower rates by as much as 35% if you meet specific eligibility requirements. A few popular companies and some of the premium reductions they offer are detailed below.
- Farm Bureau may offer discounts for youthful driver, safe driver, driver training, renewal discount, and multi-vehicle.
- State Farm discounts include good student, safe vehicle, multiple policy, multiple autos, anti-theft, and passive restraint.
- Progressive offers discounts including continuous coverage, multi-vehicle, online quote discount, good student, online signing, multi-policy, and homeowner.
- Allstate has savings for early signing, good payer, FullPay discount, economy car, passive restraint, new car, and resident student.
- Nationwide includes discounts for easy pay, good student, anti-theft, Farm Bureau membership, and accident-free.
- MetLife offers premium reductions for defensive driver, claim-free, good student, good driver, accident-free, and multi-policy.
The diagram below illustrates the comparison of yearly insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, accident-free, safe-driver, passive restraint, marriage, and defensive driving course discounts applied. When discounts are factored in, the average savings per year on auto insurance for a Subaru Outback is 28% or $586.
Ideas for finding budget-friendly auto insurance for a Subaru Outback
Lowering your rates is not difficult, and here are a few thrifty ideas that can help drivers find lower-cost car insurance.
- Maintain a safe distance and avoid accidents
- Increase physical damage deductibles
- Just one traffic violation will increase your rates
- Good credit scores may lower your rates
- Do not pay for comprehensive and collision coverage on older vehicles
- Buy a car with high safety ratings
- Comparison shop frequently
That last tip is extremely crucial, as was stressed in the prior information. Rates can be modified anytime, so don’t be unwilling to switch carriers if a cheaper price is available. Having brand loyalty is commendable, but it’s not a good idea if that loyalty ends up costing big bucks every year. If you have a few minutes, now is a great time to compare rates and find cheaper insurance for a Subaru Outback in Irvine.
If you aren’t sure which coverage you need and prefer to get help from a professional when trying to find the best insurance rates for an Outback, the insurance agencies below are a good start to provide answers to your questions and help you determine which auto insurance policy would work best for you.
To find an Irvine insurance agency closest to you, click the button after the list or click here to compare price quotes.
- USG Insurance Services-California
100 Pacifica Suite 340 – Irvine, CA 92618 – (800) 886-3897 - State Farm: Jim Canty
3200 El Camino Real #110 – Irvine, CA 92602 – (949) 769-2600 - Mike Stitt – State Farm Insurance Agent
17452 Irvine Blvd #208 – Tustin, CA 92780 – (714) 544-4717 - Gardner Insurance Orange County
4952 Warner Ave – Huntington Beach, CA 92649 – (714) 846-4231 - KCAL Insurance Agency (Irvine)
14795 Jeffrey Rd – Irvine, CA 92618 – (949) 786-6888