Subaru Outback insurance policy image courtesy of QuoteInspector.com
Finding the cheapest coverage for a Subaru Outback in Texas is pretty simple for most people to do, but it relies on lots of different factors such as whether you are male or female, your geographic location, and any past driving violations you may have had. Drivers in Texas will pay around $867 annually to insure their Outback, but that amount is calculated based on a 40-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
But there is a high probability that you're not a 40-year-old male, you might be single instead of married, or maybe you just want liability only instead of full coverage. Have just a small change in the criteria used to calculate rates could end up in a significant change in rates.
Auto insurance requires individual risk assessment, so the way we recommend to find cheap car insurance rates for your Subaru is to compare as many rates as you can.
The trim level of your Outback can impact the yearly cost, so the price you pay to insure a Outback 2.5I will be $124 less than the price to insure the higher-end Outback 3.6R Limited version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outback 2.5I Premium||$186||$288||$392||$24||$118||$1,008||$84|
|Outback 2.5I Limited||$186||$288||$392||$24||$118||$1,008||$84|
|Outback 3.6R Premium||$186||$288||$392||$24||$118||$1,008||$84|
|Outback 3.6R Limited||$208||$338||$392||$24||$118||$1,080||$90|
|Get Your Own Custom Quote Go|
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in your specific San Antonio location which can impact auto insurance rates substantially.
Shopping around for low-priced auto insurance is not the easiest thing to accomplish, and figuring out which insurers offer the cheapest auto insurance rates for a Subaru Outback may require even more diligence. Each insurance company uses a little different formula for determining rates, so we'll take a look at the most budget-friendly auto insurance companies in San Antonio, TX.
Keep in mind that San Antonio, TX auto insurance rates are based on many factors that can increase the cost of having a policy. This price variability is why it is crucial to perform an extensive rate comparison to find cheap insurance quotes for a Subaru Outback. Insurance rates can be altered by many different factors and change dramatically, so the most affordable company the last time you shopped around may now not even be in the top five.
Find the Cheapest Auto Insurance for Your Subaru
Travelers offers some of the cheapest car insurance rates in San Antonio at around $1,010 each year. This is $894 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the more affordable San Antonio, TX auto insurance companies.
In the rate table above, if you have coverage with USAA and switched to Travelers, you might see an annual premium reduction of in the vicinity of $74. Insureds with Texas Farm Bureau could save as much as $237 a year, and Germania Mutual insureds might lower prices by $246 a year.
It's important to note that these prices are averaged across all ages of drivers and types of vehicles and and are not figured with an exact location for a Subaru Outback. So the insurer that can offer the best rates for your situation may not even be in the top 23 companies shown above. That illustrates why you need to quote rates from many companies using your own individual information.
Get discounts on San Antonio auto insurance
Insurance companies that provide policies for a Subaru Outback could also offer discounts that could reduce prices by as much as 35% if you are eligible for them. The best auto insurance companies and a partial list of their discounts are included below.
- State Farm policyholders can earn discounts including student away at school, multiple autos, Steer Clear safe driver discount, safe vehicle, defensive driving training, and Drive Safe & Save.
- GEICO has savings for military active duty, good student, five-year accident-free, air bags, federal employee, emergency military deployment, and driver training.
- Progressive includes discounts for online quote discount, continuous coverage, multi-policy, homeowner, multi-vehicle, and online signing.
- 21st Century discounts include 55 and older, air bags, driver training, student driver, homeowners, and theft prevention.
- American Family offers discounts for multi-vehicle, Steer into Savings, air bags, accident-free, TimeAway discount, good student, and bundled insurance.
- The Hartford may include discounts for anti-theft, air bag, good student, driver training, and bundle.
- AAA has discounts for multi-policy, anti-theft, education and occupation, AAA membership discount, and pay-in-full.
The chart below illustrates the comparison of car insurance rates with and without discounts applied to the rates. Data assumes a female driver, no violations or claims, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, claim-free, anti-theft, homeowner, multiple vehicle, and passive restraint discounts applied. When discounts are factored in, theaverage amount saved on auto insurance for a Subaru Outback is 28% or $511.
Irresponsible driving raises your rates
The easiest method to earn cheap auto insurance rates for an Outback is to be a safe driver and not get tickets or have accidents. The chart below shows how traffic citations and fender-benders impact annual premium costs for different age groups. The data assumes a single male driver, comp and collision included, $500 deductibles, and no discounts are factored in.
The data charted above shows the average cost of auto insurance per year with no accidents or violations is $2,161. Get two speeding tickets and the average cost jumps to $2,858, an increase of $697 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Subaru Outback goes up to an average of $5,530. That's an increase of $3,369, or $281 per month, just for being a little careless behind the wheel!
The diagram below demonstrates how choosing different deductibles can influence insurance costs when quoting cheap insurance for a Subaru Outback. The information is based on a single female driver, full physical damage coverage, and no discounts are factored in.
The data above shows that a 30-year-old driver could lower their car insurance rates by $426 a year by changing from a $100 deductible to a $500 deductible, or save $646 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could shave $946 or more by choosing a higher deductible.
If you make the decision to raise deductibles, it is a good idea to have enough savings to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.