Buying cheap car insurance for a Subaru Outback can be really easy, but it is dependent upon a lot of rating criteria such as whether you are male or female, whether or not you have prior claims, and any driving offenses on your record. Texas drivers pay on average $1,338 annually to insure their Outback, but that price is an approximation calculated using a 30-year-old single male driver with full physical damage coverage and $250 deductibles.
The problem with using this number is the good chance you’re not a 30-year-old male, maybe you are married instead of single, or maybe your Outback is old enough that it doesn’t require full coverage. This illustrates why the only real way to find the most affordable coverage for your Subaru is to compare rates from as many companies as possible.
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The trim level of your Subaru can impact the yearly cost, so the price you will be charged to insure a Outback 2.5I trim level will cost $220 less than the price to insure the higher-priced Outback 3.6R Limited trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $378 | $408 | $500 | $30 | $150 | $1,466 | $122 |
| Outback 2.5I Premium | $378 | $496 | $500 | $30 | $150 | $1,554 | $130 |
| Outback 2.5I Limited | $378 | $496 | $500 | $30 | $150 | $1,554 | $130 |
| Outback 3.6R | $378 | $496 | $500 | $30 | $150 | $1,554 | $130 |
| Outback 3.6R Premium | $378 | $496 | $500 | $30 | $150 | $1,554 | $130 |
| Outback 3.6R Limited | $422 | $584 | $500 | $30 | $150 | $1,686 | $141 |
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Prices do not factor in Austin location which can decrease or increase premium rates significantly.
Finding a good quality auto insurance company is difficult considering how many choices drivers have in Austin. The company information below may help you decide which providers to look at when trying to find cheaper insurance for a Subaru Outback.
These ratings include companies that write coverage in many states, so smaller regional companies are not included in this list. To get price quotes from these top-rated insurers and more, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Austin car insurance rates
Insurance companies that offer coverage for a Subaru Outback may additionally offer discounts that may potentially lower prices by as much as 40% or more if you can meet the requirements. Popular car insurance companies and their possible discounts are included below.
- Farm Bureau may have discounts that include youthful driver, multi-policy, 55 and retired, renewal discount, driver training, safe driver, and good student.
- MetLife has discounts for good driver, multi-policy, good student, accident-free, claim-free, and defensive driver.
- Progressive may offer discounts for online quote discount, continuous coverage, homeowner, online signing, and multi-policy.
- AAA discounts include good student, multi-car, anti-theft, pay-in-full, and education and occupation.
- American Family may include discounts for good driver, TimeAway discount, early bird, accident-free, bundled insurance, and good student.
- GEICO offers discounts for anti-theft, daytime running lights, federal employee, air bags, anti-lock brakes, emergency military deployment, and good student.
- State Farm has savings for Drive Safe & Save, multiple autos, driver’s education, defensive driving training, student away at school, passive restraint, and good student.
The illustration below compares insurance costs with and without policy discounts. The data is based on a male driver, no accidents or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with marriage, safe-driver, accident-free, homeowner, multiple policy, and claim-free discounts applied. In this example, the average amount saved each year on car insurance for a Subaru Outback is 28% or $535.
Comparing rates on Outback insurance can save you money
Austin car insurance rates are calculated based on many things that can increase the price you pay. Simply getting older, moving to a new city, or getting a speeding ticket can trigger rate changes resulting in some rates now being more affordable than others.
Not only may things change on your end, but auto insurance companies modify pricing multiple times each year to adjust for heavy claims or excess profits. Higher than normal claim frequency or severity can cause more expensive premiums, while better underwriting can cause cheaper Outback insurance rates.
To illustrate this point, the data below shows a variety of companies that have the cheapest car insurance in Austin, TX for a 40-year-old male driver with no accidents or violations, and solid credit. If we estimate rates based on his current rating profile, Travelers has the lowest car insurance rates in Austin at $1,161 annually. This is $743 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remainder of the cheapest Austin, TX auto insurance companies.
The example below compares rates after we give the driver from the first example an at-fault accident, poor credit, and a few blemishes on his driving record. Since each company has a different process for determining rates in each state, comparing insurance quotes will most likely result in a completely different list of companies as shown below.
Mercury now has the cheapest price in Austin, TX with State Farm, USAA, Nationwide, and Safe Auto also having competitive pricing. This demonstrates why Austin drivers need to compare lots of rates to get affordable car insurance quotes for a Subaru Outback. Car insurance prices are determined by many factors and change dramatically, so the cheapest rate the last time you shopped around may now be wasting a lot of money.
Ideas for buying the cheapest car insurance for a Subaru Outback
The list below shows some of the better money-saving solutions that can help Texas drivers buy cheaper auto insurance.
- Maintain a clean driving record
- Do not file small claims
- Pay cheaper rates with good credit scores
- Higher deductibles save money
- Save money by bundling your home and auto policies
- Maintain a safe distance and avoid accidents
- Compare rates often to find the best deal
The last item on the list is especially crucial, as was affirmed in this article. Auto insurance rates fluctuate constantly, so don’t be unwilling to switch companies if a lower price can be found.
We understand brand loyalty, but is isn’t recommended if that devotion results in you overpaying hundreds of dollars a year. Take a couple minutes and compare rates and find cheaper insurance for a Subaru Outback in Austin.
If you aren’t sure which coverage you need and prefer to have some professional guidance when comparing insurance rates for an Outback, the agents listed below can help you make a decision which coverage fits your budget. To find an Austin insurance agent closest to you, click the button following the list or click here to compare price quotes now.
David Simmons – State Farm Insurance Agent
1910 W Braker Ln #400 – Austin, TX 78758 – (512) 837-8825
Reed Insurance Agency
2579 Western Trails Blvd #240 – Austin, TX 78745 – (512) 892-4555
EZ Insurance Agency
343 S Congress Ave – Austin, TX 78704 – (512) 444-3279