Buying affordable auto insurance for a Subaru Outback is pretty easy for most people, but it hinges on an enormous amount of rating factors such as how safe your vehicle is, your geographic location, and violations on your driving record. Arizona drivers will pay on average $975 each year to insure their Outback, but that figure is a valuation using a 40-year-old married female driver with full coverage and $100 deductibles.
It’s more than likely you aren’t exactly 40 years old or even a female, possibly single instead of married, or you just prefer to insure for liability only. This example demonstrates why the best method for finding the cheapest coverage for your Subaru is to compare rates from as many companies as possible.
Cheapest Subaru Outback Insurance Rates
The trim level of your Outback will likely have an effect on the coverage cost, so the rate you will pay to insure a Outback 2.5I will be $190 cheaper than the insurance cost for the more well-appointed Outback 3.6R Limited trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $250 | $376 | $314 | $18 | $94 | $1,052 | $88 |
| Outback 2.5I Premium | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| Outback 2.5I Limited | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| Outback 3.6R | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| Outback 3.6R Premium | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| Outback 3.6R Limited | $278 | $538 | $314 | $18 | $94 | $1,242 | $104 |
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Prices do not factor in specific garaging location which can revise coverage prices noticeably.
Deciding which companies offer the most affordable insurance rates for a Subaru Outback calls for a little more effort than just comparing rates from one or two companies.
Every insurance provider uses a different method for setting prices, so let’s take a look at the overall cheapest insurance companies in Mesa, AZ. Keep in mind that Mesa, AZ insurance rates are determined by lots of factors that may substantially change the price you pay for coverage. Improving your credit rating, filing a claim, or getting a couple of tickets can trigger changes in premium resulting in some rates now being much cheaper than others.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $924 |
| 3 | Safeco | $932 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,086 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,164 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,208 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,285 |
| 12 | Unitrin | $1,317 |
| 13 | Safe Auto | $1,336 |
| 14 | Farmers | $1,337 |
| 15 | State Farm | $1,377 |
| 16 | American Family | $1,420 |
| 17 | Titan | $1,476 |
| 18 | Amica | $1,487 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,552 |
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The Hartford offers some of the cheapest car insurance rates in Mesa at around $811 per year. Auto-Owners, Safeco, USAA, and Travelers also rank well as some of the cheapest Mesa, AZ auto insurance companies.
As the example above demonstrates, if you are a policyholder with USAA and switched to The Hartford, you might realize an annual premium reduction of approximately $269. Arizona drivers with Travelers might save as much as $275 a year, and GEICO policyholders might reduce rates by $331 a year.
To see how much you can save, click here to get a free quote or visit any of the companies below.
Understand that those rates are averaged across all types of insureds and vehicles and and are not calculated with an exact zip code location for a Subaru Outback. So the company that is most affordable for your situation may not even be in the top 28 companies shown above. That’s why you need to compare as many prices as possible using your own driver data and vehicle information.
Cost of full coverage in Mesa
Reducing premiums for insurance is important to most vehicle owners, and one of the best ways to pay lower rates for insurance for a Subaru Outback is to not buy full coverage. The information below illustrates the difference between car insurance rates with liability coverage only compared to full coverage. The data is based on no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no policy discounts are applied.
If we average the cost for all age groups, comprehensive and collision coverage on your policy costs an extra $2,082 per year over liability only. Many of you may wonder if you should buy full coverage at all. There is no definitive formula for phasing out physical damage coverage, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
The example below illustrates how your deductible choice can affect insurance costs when quoting cheap insurance for a Subaru Outback. The premium estimates are based on a single female driver, comp and collision included, and no discounts are applied.
The data above shows that a 30-year-old driver could lower their policy premium by $338 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $510 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 category, could possibly save as much as $744 or more by choosing a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it is essential to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense associated with higher deductibles.
Driving violations and accidents
One of the best ways to snag the cheapest insurance prices in Mesa for an Outback is to drive carefully and avoid traffic citations and accidents. The example below demonstrates how speeding tickets and accidents drive up yearly insurance costs for different age groups. The premium estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
In the prior example, the average cost of auto insurance per year with a clean driving record and no accidents is $1,630. Add in two speeding tickets and the average cost swells to $2,250, an increase of $620 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of insurance for a Subaru Outback jumps again to an average of $4,493. That’s an increase of $2,862, or $239 per month, just for not driving attentively!