Best Cheap Insurance Quotes for a Subaru Outback in Texas

Our staff writers always rib each other than when writing about car insurance, the words cheap or affordable shouldn’t be used as a descriptor for car insurance rates. Regardless, cheap car insurance for a Subaru Outback is pretty hard to find. But don’t let that discourage you, because we are going to show you some ways you can still find auto insurance that is cheaper than what you have now.

The odds of finding the cheapest car insurance for a Subaru Outback in Texas relies on a pretty complex algorithm that uses a lot of factors like annual vehicle mileage, if you are a frequent claim filer, and driving violations and tickets. Drivers pay an average rate of $1,270 every 12 months to buy insurance for a Subaru Outback, but that policy rate is using cost data for a 30-year-old married male that has full physical damage coverage and $100 physical damage deductibles.

There’s a high likelihood you’re not a 30-year-old male, single instead of married, or maybe you want different physical damage deductibles. Every driver has different characteristics, so the best way to quote cheap insurance rates for your Subaru is to compare as many rates as possible.

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Vehicle trim level can impact the cost of coverage, so the cost to insure a Outback 2.5I trim level will be $254 less than the insurance cost for the high end Outback 3.6R Limited version, as shown in the prices below.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates greatly.

Finding the highest-rated insurance company can be rather challenging considering how many companies there are in Texas. The information listed below could help you decide which providers to look at buying from.

These rankings only include the companies with a significant amount of written premium nationwide, so companies that focus mainly on Texas business are not included in this list. To get price quotes and find cheaper insurance for a Subaru Outback, follow this link.

Top 10 Major Car Insurance Companies Overall in Texas

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Top 10 Major Car Insurance Companies in Texas Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Top Companies for Subaru Outback Insurance in Texas

Accidents and violations increase rates

The recommended way to enjoy the cheapest auto insurance prices for an Outback is to be a safe driver and avoid traffic citations and accidents. The chart below demonstrates how traffic citations and at-fault fender-benders increase insurance prices for each age group. The premiums are based on a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.

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In the chart above, the average cost of an auto insurance policy in Texas per year with no accidents or violations is $2,058. Factor in one speeding ticket and the average cost swells to $2,333, an increase of $275 each year. Next add one accident along with the one speeding ticket and the yearly cost of auto insurance for a Subaru Outback increases to an average of $3,094. That’s an increase of $1,036, or $86 per month, just for being a less-than-perfect driver!

The diagram below shows how choosing a deductible can affect premium costs when quoting cheap insurance for a Subaru Outback. The premiums are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4521,4115,3673,3253],[‘Age 30’, 2357,2169,1941,1723],[‘Age 40’, 2333,2131,1897,1675],[‘Age 50’, 2119,1939,1731,1533],[‘Age 60’, 2045,1873,1673,1485],[‘Age 70’, 2469,2273,2051,1845]]);var options = {title: ‘Deductible Levels and Subaru Outback Insurance Rates in Texas’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Outback’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 40-year-old driver could pocket $388 a year by switching from a $100 deductible up to a $500 deductible, or save $586 by choosing a $1,000 deductible. Young drivers, like the age 20 example, could lower their rates up to $1,268 or even more by choosing a larger deductible amount.

If you do make the decision to raise your deductibles, it is a good idea to have enough savings set aside to be able to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

How to find economical auto insurance for a Subaru Outback

The list below details some of the better penny-pinching suggestions that can help Texas drivers get lower-cost car insurance.

• Remain accident-free and save
• Increase your comprehensive and collision deductibles
• Earn discounts for being claim-free
• Increase your credit rating
• Save money by obeying traffic laws and keeping a clean driving record
• Bundle home and auto and save
• Shop around for cheaper prices

That final tip is extremely important, as we hit on in this write-up. Prices charged by car insurance companies in Texas change constantly, so don’t be afraid to switch to a new company if a better rate can be found.

Staying with the same company for years is fine, but it’s not a good idea if your bullheadedness ends up costing you lots of money. Take a few minutes and shop around and find cheaper insurance for a Subaru Outback.