Buying the cheapest car insurance for a Subaru Outback in California is pretty simple, but it relies on a whole bunch of factors such as the age of the Outback, the condition of your credit, and driving violations and tickets. Drivers in California pay approximately $1,080 annually for Outback insurance, but that amount is an approximation based upon a 50-year-old single male driver with both comprehensive and collision coverage and $1,000 deductibles.
It’s more than likely you are not 50 and maybe not even a male, maybe you are married instead of single, or maybe you rent instead of own your home. Insurance is an individual thing, so the best method for finding the most affordable coverage for your Subaru is to do the rate comparisons yourself. To start saving now, get free quotes and you will receive prices from some of the most affordable companies that sell coverage in California.
The trim level of your Outback tends to have a direct impact on the annual cost of coverage, so the rate you will pay to insure a Outback 2.5I model will be $158 lower than the price to insure the higher-end Outback 3.6R Limited model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $204 | $306 | $500 | $30 | $150 | $1,190 | $99 |
| Outback 2.5I Premium | $204 | $372 | $500 | $30 | $150 | $1,256 | $105 |
| Outback 2.5I Limited | $204 | $372 | $500 | $30 | $150 | $1,256 | $105 |
| Outback 3.6R | $204 | $372 | $500 | $30 | $150 | $1,256 | $105 |
| Outback 3.6R Premium | $204 | $372 | $500 | $30 | $150 | $1,256 | $105 |
| Outback 3.6R Limited | $228 | $440 | $500 | $30 | $150 | $1,348 | $112 |
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Table data does not factor in specific location information which can raise or lower premium rates noticeably.
Finding reliable, low-cost car insurance is not easy, and determining which company offers the cheapest car insurance rates for a Subaru Outback requires even more perseverance. Each insurer uses a slightly different approach to set premium rates, so let’s take a look at the most budget-friendly car insurance companies in Los Angeles, CA.
Find the Best Cheap Insurance for Your Subaru
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Century National | $1,178 |
| 3 | CSAA | $1,186 |
| 4 | Wawanesa | $1,192 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,496 |
| 9 | Allstate | $1,497 |
| 10 | Mercury | $1,503 |
| 11 | Allied | $1,541 |
| 12 | GEICO | $1,559 |
| 13 | The Hartford | $1,639 |
| 14 | MetLife | $1,654 |
| 15 | Esurance | $1,688 |
| 16 | State Farm | $1,699 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,946 |
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USAA may offer some of the lowest car insurance rates in Los Angeles at around $1,155 each year. Century National, CSAA, Wawanesa, and Nationwide also are some of the best Los Angeles, CA auto insurance companies.
In the above example, if you buy coverage from Wawanesa and switched to USAA, you might realize an annual savings of around $37. California drivers with Nationwide might save as much as $108 a year, and 21st Century customers might reduce prices by as much as $224 a year.
Be aware that those policy rates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration an exact location for a Subaru Outback. So the insurer that fits your needs best may not even be in the top 24 companies in the list above. That is why you need to compare prices as often as possible using your own individual information.
Does full coverage make sense?
Saving on car insurance is probably important to the majority of vehicle owners, and an easy way to find cheaper insurance for a Subaru Outback is to not buy full coverage. The illustration below illustrates the difference between car insurance costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no claims or driving violations, $500 deductibles, drivers are single, and no policy discounts are applied.
If all age groups are averaged, full coverage on your policy costs an extra $2,349 per year more than just buying liability only. That brings up the question when is the right time to remove full coverage. There is no set guideline for dropping full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
The example below highlights how deductible selection can influence insurance rates when searching for cheap insurance for a Subaru Outback. The premiums assume a married female driver, full coverage, and no additional discounts are factored in.
A 40-year-old driver could lower their car insurance rates by $372 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $564 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, can cut as much as $930 or even more just by using higher deductibles.
When choosing a higher deductible, it is a good idea to have enough funds in savings to satisfy the extra out-of-pocket expense that is associated with using high deductibles.
How to find low-cost insurance for a Subaru Outback
It is possible to find better rates, and here are some penny-pinching solutions that can help drivers quote more affordable coverage.
- Remove physical damage coverage on older vehicles
- Insure your home and auto with the same company
- Staying accident-free helps keep rates low
- Safer vehicles generally have cheaper insurance rates
- Improve your credit score
- Compare rates often to find the best deal
That last tip is highly important, as was affirmed in the prior article. Coverage prices vary considerably, so drivers shouldn’t hesitate to buy from a new company if a better deal can be had.
Loyalty to a specific company is fine, but it’s not a good idea if that devotion results in you overpaying big bucks every year. In just a few minutes you could compare rates and find cheaper insurance for a Subaru Outback in Los Angeles.