Cheapest Insurance Quotes for a Subaru Outback in Pennsylvania

Cheapest Insurance Quotes for a Subaru Outback in Pennsylvania

Your ability to find the best cheap insurance for a Subaru Outback in Pennsylvania depends upon dozens of factors like whether you are married, if you have ever let your policy lapse, and the deductible amount you use. Pennsylvania drivers will pay around $750 a year to buy Subaru Outback insurance, but that rate is a projection rating a 40-year-old married male who needs full coverage and $1,000 policy deductibles.

The problem with using this number is the good chance you are not 40 years old and maybe not even male, you might be single instead of married, or you just prefer to insure for liability only. Auto insurance is unique to every driver, so the only real way to find the most affordable coverage for your Subaru is to put in the effort to do a thorough rate comparison. Rate quotes are easy and you can get prices from the best auto insurance companies that sell coverage in Pennsylvania.

View Subaru Outback Insurance Rates

The specific model of Outback will likely have an effect on the annual cost of coverage, so the rate you pay to insure a Outback 2.5I trim level will be $106 less expensive the cost to insure the fancier Outback 3.6R Limited version, as shown in the prices below.

Subaru Outback Insurance Rates in Pennsylvania
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $162 $204 $340 $20 $102 $828 $69
Outback 2.5I Premium $162 $248 $340 $20 $102 $872 $73
Outback 2.5I Limited $162 $248 $340 $20 $102 $872 $73
Outback 3.6R $162 $248 $340 $20 $102 $872 $73
Outback 3.6R Premium $162 $248 $340 $20 $102 $872 $73
Outback 3.6R Limited $180 $292 $340 $20 $102 $934 $78
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can revise premium rates significantly.

Which insurance company is best in Pennsylvania?

Buying coverage from a highly-rated company can be rather challenging considering how many different insurance companies sell coverage in Pennsylvania. The company ratings shown below can help you decide which car insurance companies to look at purchasing a policy from. These rankings are for large nationwide companies, so smaller regional companies are not factored into the list.

Pennsylvania Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Titan Insurance 87 96 94 93% A+ 92.9
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 79 93 90 87% A+ 88.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Insure.com Best Car Insurance Companies

Rate difference between full and liability-only coverage

Finding the cheapest insurance for a Subaru Outback in Pennsylvania is important to most drivers, and one of the quickest ways to pay lower rates for insurance is to buy liability only. The diagram below shows the comparison of insurance costs with liability coverage only compared to full coverage. The data is based on no accidents, no driving violations, $100 deductibles, marital status is single, and no other discounts are factored in.

If we average the cost for ages 20 through 70, physical damage coverage costs $2,285 per year over having just liability coverage. That is a large expense and it proposes the question if you should buy full coverage at all. There is no set guideline of when to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

Poor driving habits will raise your insurance rates

In a perfect world, the ideal way to earn the cheapest insurance for a Subaru Outback in Pennsylvania is to pay attention while driving and avoid accidents and keep your driving record clean. The chart below shows how violations and at-fault collisions can increase annual premium costs for different ages of insureds. The premiums assume a single male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

In the example above, the average cost of auto insurance per year with no accidents and a clean driving record is $1,661. Receive two speeding tickets and the average cost swells to $2,187, an increase of $526 each year. Now add in one accident along with the two speeding tickets and the annual cost of insurance for a Subaru Outback jumps again to an average of $2,718. That’s an increase of $1,057, or $88 per month, just for not maintaining a clean driving record!