Buying the cheapest auto insurance for a Subaru Outback in California hinges on a lot of different factors such as how you use your vehicle, where your vehicle is garaged, and whether or not you are a good driver. Drivers pay around $1,186 annually for Outback insurance, but that is an estimate based on a 30-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.
Odds are that you’re not a 30-year-old male, possibly single instead of married, or maybe you just want liability only instead of full coverage. The different assumptions illustrate why the best method for finding cheap auto insurance rates for your Subaru is to just compare rates yourself.
Your vehicle’s trim level will most likely have an effect on price, so the cost to insure a Outback 2.5I will cost $198 less than the cost to insure the fancier Outback 3.6R Limited model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $314 | $382 | $442 | $26 | $132 | $1,296 | $108 |
| Outback 2.5I Premium | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Outback 2.5I Limited | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Outback 3.6R | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Outback 3.6R Premium | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Outback 3.6R Limited | $348 | $546 | $442 | $26 | $132 | $1,494 | $125 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price estimates do not factor in specific zip code location which can modify price quotes significantly.
Selecting a good quality car insurance provider can be difficult considering how many companies there are in California. The rank data shown below may help you analyze which car insurance providers you want to consider when comparing rate quotes.
These ratings only include large insurance companies, so companies without a large exposure are not included in this list. To compare prices from many more California auto insurance companies, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Illustration showing the impact of accidents and violations
The best way to snag the cheapest car insurance premiums in California for an Outback is to drive safe and avoid accidents and violations. The chart below shows how traffic citations and fender-benders can influence annual premium costs for different age groups. The price estimates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied.
In the previous example, the average cost of auto insurance in Riverside per year with no accidents and a clean driving record is $1,927. Factor in two speeding tickets and the average cost swells to $2,736, an increase of $809 each year. Then add in one accident along with the two speeding tickets and the annual cost of car insurance for a Subaru Outback increases to an average of $3,539. That’s an increase of $1,612, or $134 per month, just for not driving carefully!
Get discount Riverside insurance
Insurers that sell policies for a Subaru Outback may also give you discounts that can lower rates by as much as 30% if you qualify. A few of the larger companies and some of the discounts are detailed below.
- GEICO discounts include five-year accident-free, air bags, driver training, emergency military deployment, and daytime running lights.
- MetLife offers discounts for good student, accident-free, defensive driver, multi-policy, and good driver.
- Progressive has discounts for multi-vehicle, online signing, online quote discount, good student, and homeowner.
- Travelers offers discounts including hybrid/electric vehicle, student away at school, good student, multi-policy, and continuous insurance.
- SAFECO policyholders can earn discounts including drive less, bundle discounts, teen safety rewards, homeowner, and multi-car.
- AAA may include discounts for multi-car, pay-in-full, AAA membership discount, education and occupation, good driver, multi-policy, and good student.
The example below shows the difference between auto insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no violations or claims, California state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, anti-theft, accident-free, defensive driving course, marriage, and multiple policy discounts applied. With discounts applied, theaverage amount saved on car insurance for a Subaru Outback is 28% or $621.
How to find the cheapest insurance for a Subaru Outback
The list below shows some of the recommended money-saving solutions that can help Riverside drivers find cheap coverage.
- Do not pay for full coverage on older vehicles
- Drive vehicles with five-star safety ratings
- Increase your deductibles
- Better credit scores save money
- Do not get traffic violations
- Having at-fault accidents will increase rates
- Look for cheaper rates once a year by shopping around
The last tip in the list is highly critical, as we stressed in this piece. Auto insurance prices in Riverside can change significantly in a year, so you should be ready to switch to a new company if a lower price can be found. We understand brand loyalty, but is isn’t recommended if that faithfulness ends up costing you lots of money. It only take a few minutes to compare rates to find cheaper car insurance for a Subaru Outback.
The agencies below can provide answers to your questions and help you determine which coverages you need, as some people have coverage questions and would like to get help from a professional when comparing insurance rates for an Outback. It can be complicated to find the best coverage yourself, and insurance agents licensed in the state of California can give comfort knowing you have enough coverage when you need it. To find a Riverside insurance agency by location nearest to you, click the button below the list or click here to compare price quotes.
- Applied General Agency
1485 Spruce St – Riverside, CA 92507 – (951) 686-6120 - Farmers Insurance: Ronald Alldis
6600 Jurupa Ave #202 – Riverside, CA 92504 – (951) 788-2005 - Farmers Insurance – Juan Zaragoza
3333 Central Ave b – Riverside, CA 92506 – (951) 367-1490 - Scott Fowler – State Farm Insurance Agent
7177 Brockton Ave #340 – Riverside, CA 92506 – (951) 777-2446