Finding cheap car insurance for a Subaru Outback is usually pretty straightforward, but it hinges on many factors such as whether you are male or female, your profession, and physical damage deductibles. Drivers in California will pay around $1,025 annually for Outback insurance, but that figure is an approximation based upon a 50-year-old married female driver with full coverage and $500 deductibles.
There’s a good chance you may not be 50 years old (or even female), possibly single instead of married, or maybe you have a speeding ticket that needs to be factored in. Just a very minor change in rating variables or coverage information can make a big difference in the price of coverage.
Auto insurance requires individual risk assessment, so the best method for finding cheap insurance rates for your Subaru is to compare as many rates as you can.
Find Cheaper Subaru Outback Insurance
Your Subaru’s trim level will have an impact the coverage cost, so the rate you will pay to insure a Outback 2.5I model will be $164 less 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 | $242 | $316 | $416 | $24 | $124 | $1,122 | $94 |
| Outback 2.5I Premium | $242 | $386 | $416 | $24 | $124 | $1,192 | $99 |
| Outback 2.5I Limited | $242 | $386 | $416 | $24 | $124 | $1,192 | $99 |
| Outback 3.6R | $242 | $386 | $416 | $24 | $124 | $1,192 | $99 |
| Outback 3.6R Premium | $242 | $386 | $416 | $24 | $124 | $1,192 | $99 |
| Outback 3.6R Limited | $268 | $454 | $416 | $24 | $124 | $1,286 | $107 |
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in garaging location in Stockton which can raise or lower premium rates noticeably.
Determining which company offers the lowest-priced car insurance rates for a Subaru Outback may require more work in order to find the lowest price. Each company has a different process for determining rates in each state, so let’s take a look at the most affordable car insurance companies in California.
It’s a good idea to be aware that Stockton, CA car insurance rates are calculated based on many things which can substantially change the policy premium. Simply turning a year older, becoming a homeowner, or getting a ticket for running a stop sign can trigger price changes that can make some companies cheaper than competitors.
Best Insurance Companies for Your Subaru
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,192 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,447 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,548 |
| 10 | Progressive | $1,558 |
| 11 | GEICO | $1,559 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,638 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,750 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,966 |
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USAA has some of the best car insurance rates in Stockton at around $1,155 annually. Century National, Wawanesa, CSAA, and Nationwide also rank well as some of the best Stockton, CA car insurance companies.
As illustrated above, if you are a policyholder with Nationwide and switched to Century National, you might achieve a yearly price reduction of around $72. Drivers with 21st Century may save as much as $160 a year, and Grange insureds might lower prices by $269 a year.
If you want to find out if you’re overpaying, click here to get a free quote or click through to the companies below.
Bear in mind that those estimates are averages across all ages of drivers and types of vehicles and and are not figured with an exact vehicle garaging location for a Subaru Outback. So the car insurance company that is best for you may not even be in the top 24 companies in the list above. That points out the importance of why you need to quote rates from many companies using your own specific driver and vehicle information.
Should you buy full coverage?
Saving money when shopping for car insurance is probably important to most vehicle owners, and one of the fastest ways to find cheaper insurance for a Subaru Outback is to only buy liability insurance. The chart below illustrates the comparison of car insurance rates when comparing full coverage to liability only. The information is based on no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are factored in.
If averaged out across all ages, physical damage insurance costs $2,502 per year over and above liability only. At some point, almost every driver questions if paying for full coverage is a waste of money. There is no set rule that works best for making the decision to drop full coverage, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
There are some cases where dropping physical damage coverage is not in your best interest. If you haven’t paid off your loan, you have to keep full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Why you should shop around for Outback insurance
Stockton, CA car insurance rates are influenced by many factors that will increase or decrease the cost of your policy. Simply turning a year older, buying another vehicle, or getting a reckless driving citation can trigger changes in premium that can cause some rates to be cheaper than before. Not only that, but companies change prices at least once a year to adjust for unexpected claims or profits. Unexpectedly high claims may result in additional premium costs, while a profitable period can produce more affordable Outback insurance rates.
To illustrate this example, the graph below shows the companies that have the cheapest car insurance in Stockton, CA for a 35-year-old male driver with a clear driving record, no claims, and a decent credit rating. If we compare prices based on his personal risk profile, USAA quotes the most affordable car insurance rates in Stockton at $1,356 each year. This is $295 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also on the list of the top five cheapest Stockton, CA auto insurance companies.
In this next rate comparison, we will give the driver from the first example a claim or two, a little lower credit rating, and a few blemishes on his driving record. Because every insurance company uses a different method for setting prices, comparing insurance quotes will most likely result in a slightly different list of cheap Stockton auto insurance companies as shown below.
Grange now has the cheapest car insurance in Stockton with Mercury, Progressive, GEICO, and Allstate also having competitive pricing. This example demonstrates why Stockton drivers need to perform a complete rate comparison when trying to get affordable insurance quotes for a Subaru Outback. Rates can be determined by many factors and can change substantially, so the cheapest company three years ago may now be an over-priced policy.