How Much Does Insurance Cost for a Subaru Outback in Massachusetts?

Our content editors always give us grief that when writing about auto insurance, the word affordable should never be used anywhere in the article to describe car insurance prices. Excuse the oxymoron, but cheap auto insurance for a Subaru Outback is not easy to find. But don’t let that discourage you, because there may be ways you can still find car insurance that is cheaper than what you are paying now.

Your chances of buying the best cheap insurance for a Subaru Outback in Massachusetts hinges on a whole bunch of factors like how far you commute, your credit rating, and if you have tickets or violations. Drivers will pay on average $930 per year to insure an Outback, but that rate is an estimate calculated based on a 50-year-old single male that includes both comprehensive and collision coverage and $500 physical damage deductibles.

The issue with using an average estimated rate is the likelihood you are not 50 and maybe not even a male, married instead of single, or maybe you are just looking for cheap liability insurance. Every car insurance policy is unique to the driver, so the way we recommend to find the cheapest coverage for your Subaru is to get into the habit of comparing rates once a year. In just a couple of minutes you can get rates from top-rated companies available.

Compare Subaru Outback Insurance Rates

Your Subaru’s trim level tends to impact the yearly cost, so the price you will pay to insure a Outback 2.5I trim level will be $152 less than the cost to insure the higher-priced Outback 3.6R Limited trim level, as shown in the table below.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in Massachusetts location which can change auto insurance rates significantly.

Best car insurance company in Massachusetts

Finding the top auto insurance provider can be difficult considering how many companies sell insurance in Massachusetts. The company rank data below can help you decide which providers you want to consider when trying to find the cheapest insurance for a Subaru Outback. These rankings are only comprised of companies who write in the majority of U.S. states, so companies without a large exposure are not included in the list.

Top 10 Large Auto Insurance Providers in Massachusetts Ranked by Value

1. The Hartford
2. Farmers Insurance
3. Safeco Insurance
4. AAA Insurance
5. State Farm
6. Travelers
7. Progressive
8. American Family
9. GEICO
10. Liberty Mutual

Top 10 Large Auto Insurance Providers in Massachusetts Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Allstate – A+
6. The Hartford – A+
7. Progressive – A+
8. Esurance – A+
9. Safeco Insurance – A
10. Farmers Insurance – A

Top Companies for Subaru Outback Insurance in Massachusetts

Discounts on cheap insurance for a Subaru Outback in Massachusetts

Auto insurance companies that offer coverage for a Subaru Outback could also offer special discounts that can lower rates by as much as 35% or more if you qualify for them. A list of car insurance companies and some of the premium reductions they offer are detailed below.

The diagram below shows the difference between insurance premiums with and without discounts applied. The premium estimates are based on a male driver, no violations or claims, Massachusetts state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with anti-theft, claim-free, defensive driving course, marriage, vehicle safety, and safe-driver discounts applied. When taking advantage of discounts, the the average amount saved on car insurance for a Subaru Outback is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3965,2857],[‘Age 30’, 2073,1511],[‘Age 40’, 2053,1491],[‘Age 50’, 1863,1355],[‘Age 60’, 1797,1305],[‘Age 70’, 2165,1565]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a Subaru Outback’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Outback’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Here’s why you should compare rates often

Massachusetts car insurance rates are based on many factors that control the cost of your policy. Improving your credit rating, filing a claim, or getting a ticket for running a stop sign can trigger rate changes resulting in some companies being cheaper than before. Not only may your risk profile change, but auto insurance companies amend pricing as often as every quarter to reflect underwriting profits or losses. Larger than normal claims can result in price increases, while less frequent claims can produce lower-cost Outback insurance rates.

For example, the data below shows the company with the cheapest car insurance in Massachusetts for a 40-year-old female driver with a good driving record, no prior claims, and a decent credit rating. If we look at prices based on her current rating profile, State Farm offers the most affordable car insurance rates in Massachusetts at $741 each year. This is $494 less than the average policy premium paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, OneBeacon, and Commerce Group are the remainder of the cheapest Massachusetts auto insurance companies.

google.charts.setOnLoadCallback(drawMAWitcqcibChart);function drawMAWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘State Farm’, 741, ‘#5E9216’],[‘National Grange Mutual’, 831, ‘#4E7912’],[‘GEICO’, 842, ‘#41640F’],[‘OneBeacon’, 876, ‘#36530C’],[‘Commerce Group’, 902, ‘#2D450A’]]);var options = {title: ‘Best Auto Insurance Rates for a Subaru Outback’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1002,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Now let’s give the driver from the above example a claim or two, bad credit, and a few blemishes on her driving record. Since every insurance provider has a proprietary formula to establish rates, analyzing rate quotes most likely will result in a different set of cheap Massachusetts auto insurance companies as shown below.

google.charts.setOnLoadCallback(drawMAWcqcibChart);function drawMAWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Progressive’, 1120.9, ‘#C75000’],[‘USAA’, 1137.4, ‘#A54200’],[‘Norfolk and Dedham’, 1174.8, ‘#893700’],[‘Amica’, 1219.9, ‘#722D00’],[‘National Grange Mutual’, 1329.6, ‘#5F2500’]]);var options = {title: ‘New Rates with Accident/Violation Surcharges’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1429.6,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Progressive now has the best insurance rate in Massachusetts with USAA, Norfolk and Dedham, Amica, and National Grange Mutual also being competitive. This example proves why it is critical to shop around when trying to get the most economical insurance rates for a Subaru Outback. Car insurance prices can be determined by many different factors and can change without notice, so the cheapest company the last time you compared rates may now be wasting a lot of money.

Find cheap insurance for a Subaru Outback in Massachusetts

The list below shows a few thrifty suggestions that can help drivers buy cheaper coverage.

• Insure your home and auto with the same company
• Save money by insuring older vehicles for liability only
• Higher credit scores may earn you cheaper rates
• Do not get into accidents
• Vehicles with safetly features generally cost less to insure
• Compare rates and switch if you can find a better deal

That last tip is remarkably crucial, as was stressed in the prior article. Auto insurance rates in Massachusetts change constantly, so don’t be tentative to switch companies if you find a cheaper price.

Having a favorite company is great, but it isn’t a good idea if that loyalty ends up costing lots of money. If you have a few minutes, now is a great time to compare rates to find cheaper auto insurance for a Subaru Outback.