Buying the cheapest coverage for a Subaru Outback can be pretty simple, but it hinges on a lot of things such as annual miles driven, if you have recent claims, and physical damage deductibles. Texas drivers pay around $1,282 each year for Outback insurance, but that is an approximation based upon a 30-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
The problem with using this number is the good chance you’re not a 30-year-old female, possibly married instead of single, or maybe you just want liability only instead of full coverage. Everyone has unique insurance needs, and this illustrates why the way we recommend to find the cheapest insurance price for your Subaru is to do a thorough rate comparison. Quotes only take a couple of minutes and you will receive price comparisons from the cheapest companies in Texas.
The trim level of your Outback impacts the yearly cost, so the cost to insure a Outback 2.5I model will be $210 less expensive the insurance cost for 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 Premium||$300||$492||$514||$30||$154||$1,490||$124|
|Outback 2.5I Limited||$300||$492||$514||$30||$154||$1,490||$124|
|Outback 3.6R Premium||$300||$492||$514||$30||$154||$1,490||$124|
|Outback 3.6R Limited||$334||$580||$514||$30||$154||$1,612||$134|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rates do not factor in specific zip code location which can revise premium rates greatly.
Figuring out which companies have the best car insurance rates for a Subaru Outback will involve more work than just comparing a company or two.
Every insurance provider uses a little different formula for setting rates, so let’s take a look at the lowest cost car insurance companies in Plano. It’s a good idea to be aware that Texas car insurance rates are influenced by many factors that can increase your annual premium. Simply turning a year older, having a teen driver, or getting a driving violation can cause premium changes that may make certain companies more affordable than before.
Find the Best Cheap Insurance for Your Subaru
Travelers offers some of the cheapest car insurance rates in Plano at around $1,010 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the best Plano, TX auto insurance companies.
As the rates illustrate above, if you are insured with Germania Mutual and switched to USAA, you might see a yearly savings of approximately $116. Insureds with Esurance may save as much as $293 a year, and California Casualty customers might see rate reductions of $296 a year.
To find cheaper insurance rates for your vehicle, click here to start your free quote or quote prices from the following companies.
Understand that those prices are averaged across all insureds and vehicles and and are not calculated with a specific zip code for a Subaru Outback. So the car insurance company that is best suited for you may not even be in the top 23 companies in the list above. That point stresses why you need to compare prices as often as possible using your own driver data and vehicle information.
Get discounts on Plano auto insurance
Car insurance companies that offer coverage for a Subaru Outback may also offer rate discounts that could lower prices by as much as 25% or more if you qualify for them. A list of car insurance companies and some of the discounts are included below.
- 21st Century may include discounts for theft prevention, driver training, good student, homeowners, automatic seat belts, and 55 and older.
- State Farm offers premium reductions for accident-free, Drive Safe & Save, defensive driving training, passive restraint, and anti-theft.
- AAA has discounts for AAA membership discount, education and occupation, multi-car, good student, pay-in-full, anti-theft, and good driver.
- Liberty Mutual may offer discounts for teen driver discount, safety features, newly retired, hybrid vehicle, and multi-car.
- Progressive offers discounts for online quote discount, continuous coverage, multi-policy, homeowner, and multi-vehicle.
The diagram below visualizes the comparison of auto insurance costs with and without policy discounts. The prices are based on a female driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with accident-free, claim-free, defensive driving course, vehicle safety, multiple vehicle, and passive restraint discounts applied. When discounts are factored in, theaverage yearly reduction on car insurance for a Subaru Outback is 28% or $687.
Careless driving habits raise Plano car insurance rates
One of the best ways to get low car insurance prices for an Outback is to be a careful driver and avoid accidents and traffic citations. The illustration below illustrates how speeding tickets and accident claims can impact insurance premiums for different ages of insureds. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of car insurance per year with no accidents or violations is $2,041. Add in one speeding ticket and the average cost surges to $2,372, an increase of $331 each year. Now include two accidents along with the one speeding ticket and the yearly cost of car insurance for a Subaru Outback jumps again to an average of $5,131. That’s an increase of $3,090, or $257 per month, just for not driving carefully!
The illustration below highlights how deductible choice can affect yearly insurance costs when trying to find cheap insurance for a Subaru Outback. The data is based on a married female driver, comp and collision included, and no discounts are applied to the premium.
The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $320 a year by increasing from a $100 deductible to a $500 deductible, or save $486 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old, could reduce their rates $802 or more just by choosing higher deductibles. When using a larger deductible, it is necessary to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
The insurance agencies below can probably help you make a decision which coverage fits your budget, since lots of people like to get help from a professional when buying car insurance for a Subaru Outback. It can be difficult to find the best coverage on your own, and using a licensed agent can bring comfort knowing you have enough coverage if you have a claim. To find a Plano insurance agent in your neighborhood, click the link after the list or click here to get price quotes now.
- Allstate Insurance: Kima Adams Evans
6853 Coit Rd Ste 400 – Plano, TX 75024 – (972) 423-4009
- Brad Salter – State Farm Insurance Agent
8000 Coit Rd #100 – Plano, TX 75025 – (972) 731-0350
- Executive Insurance Agency
6900 Alma Dr – Plano, TX 75023 – (469) 229-9080