How Much is Riverside Car Insurance for a Subaru Outback?

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.

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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.

Subaru Outback Insurance Rates in Riverside, CA
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
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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.

Best 15 Car Insurance Companies for a Subaru Outback in California
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
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Data Source: 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

Save on car insurance for an Outback in RiversideInsurers 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.

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.

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.

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