Finding competitive insurance for a Subaru Outback is pretty simple for most people to do, but it hinges on a complex formula that considers things such as your age, if you have a tendency to file claims, and any prior driving offenses. Drivers will pay around $1,675 per year to insure their Outback, but that price is an estimation calculated based on a 30-year-old single female driver with full coverage and $250 deductibles.
But there is a high likelihood that you are not 30 and maybe not even a female, you might be married instead of single, or maybe you just want liability only instead of full coverage. Having even a minor difference in rating variables may result in significant differences in how much insurance for a Subaru Outback costs.
Not every driver requires the same auto insurance coverages, so the best way to find the most affordable coverage for your Subaru is to put in the effort to do a thorough rate comparison. It only takes a couple of minutes and you will receive prices from the best companies in California.
The trim level of your Outback will influence the cost of insurance, so the rate you pay to insure a Outback 2.5I will be $300 less expensive the price to insure the high end Outback 3.6R Limited version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $428 | $582 | $596 | $36 | $178 | $1,820 | $152 |
| Outback 2.5I Premium | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| Outback 2.5I Limited | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| Outback 3.6R | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| Outback 3.6R Premium | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| Outback 3.6R Limited | $476 | $834 | $596 | $36 | $178 | $2,120 | $177 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Premium costs do not factor in vehicle garaging location which can decrease or increase premium rates greatly.
Choosing a high-quality company can be a challenge considering how many different insurance companies sell coverage in California. The company rank data in the lists below could help you select which coverage providers to look at shopping prices with. These rankings only include large insurance companies, so smaller companies that only insure vehicles in California will not be included in this list.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The illustration below highlights how deductible selection can affect insurance costs when searching for cheap insurance for a Subaru Outback. The rate quotes are based on a single female driver, comp and collision included, and no discounts are factored in.
The data above shows that a 30-year-old driver could pocket $576 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $868 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old, have the ability to save $1,276 every year just by choosing higher deductibles. When raising deductibles, it is necessary to have additional funds squirreled away to allow you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Chances are good that you’re overpaying for Outback insurance
Oakland, CA car insurance rates are impacted by many factors that may substantially change the policy price. Simply having a birthday, moving to a new city, or having an accident may cause policy rate changes that can cause some rates to be cheaper than competitors. Additionally, companies file new California car insurance rates every year or even multiple times each year to adjust for heavy claims or excess profits. Heavy losses can result in high rates, while a lower level of claims may produce lower-cost Outback insurance rates.
As an example, the data below compares the cheapest car insurance in Oakland, CA for a 30-year-old male driver with a clean driving record, no accidents, and good financial standing. If we compare prices based on his current rating profile, USAA quotes the lowest car insurance rates in Oakland at $1,486 each year. This is $165 less than the average premium paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA are the rest of the best Oakland, CA auto insurance companies.
Now we will give the driver in the first example a chargeable claim, poor credit, and a stop sign violation. Since each company uses their own method for setting prices, comparing prices will most likely result in a substantially altered list of affordable Oakland car insurance companies as shown below.
Grange now has the best price on car insurance in Oakland, CA with Progressive, Mercury, Allied, and Allstate completing the list. This example illustrates why California drivers need to compare as many rates as possible when trying to get the most economical car insurance rates for a Subaru Outback. Car insurance prices can be altered by many things and change dramatically, so the most affordable company when you last compared rates may now be one of the higher cost companies.
Tips for finding economical car insurance for a Subaru Outback
The list below shows some penny-pinching solutions that can help drivers quote more affordable coverage.
- Full coverage is expensive so only insure older vehicles for liability only
- At-fault accidents can raise rates significantly
- Raise physical damage deductibles
- Discounts for being claim-free can be substantial
- Keep your driving record clean
- Ensure you have the best deal by shopping around regularly
That last idea is particularly valuable, as we pointed out in this piece. Prices in Oakland adjust frequently, so drivers shouldn’t be resistant to buy from a new company if you find a better deal.
Staying with the same company for years is fine, but it’s not a great idea if that inflexibility results in costing you lots of hard earned cash every month. It takes less than five minutes to shop around to find cheaper auto insurance for a Subaru Outback.