How Much Does Insurance Cost for a Subaru Outback in New Jersey?

The chances of buying the cheapest coverage for a Subaru Outback in New Jersey depends on a complex formula that factors things like the number of years you have been licensed, whether or not you have filed claims in the past, and driving violations. Drivers pay an average of $1,690 annually to insure their Outback, but that policy rate is that uses a 30-year-old single male driver that includes both comprehensive and collision coverage and $250 physical damage deductibles.

The problem with using this number is the good chance you are not 30 and possibly not even male, married instead of single, and you may just want the cheapest liability coverage you can find. Each driver’s needs are different, and that demonstrates why the only way to find the most affordable coverage for your Subaru is to compare as many rates as possible. Comparing quotes is easy and you will receive prices from some of the most affordable companies available.

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Vehicle trim level will be a contributing factor to the cost of insurance, so the rate you pay to insure a Outback 2.5I trim level will be $278 cheaper than the cost to insure the more well-appointed Outback 3.6R Limited model, as shown in the chart below.

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rates do not factor in your specific New Jersey location which can change coverage rates significantly.

Picking the right insurer can be difficult considering how many companies there are to choose from in New Jersey. The company ratings below can help you select which insurers you want to consider when comparing insurance rates for a Subaru Outback. The rankings below are only comprised of the companies with a significant amount of written premium nationwide, so companies without a large exposure are not taken into consideration for this list.

Discounts on cheap insurance for a Subaru Outback in New Jersey

Insurance providers that provide coverage for a Subaru Outback may provide discounts that can lower rates by 40% or more if you qualify. Large insurance companies and a selection of discounts include:

The illustration below illustrates the comparison of car insurance rates with and without discounts being applied to the rates. The prices are based on a male driver, no accidents, no driving violations, New Jersey state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with vehicle safety, multiple vehicle, anti-theft, defensive driving course, multiple policy, and accident-free discounts applied. When these discounts are applied, the average savings per year on 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’, 4625,3327],[‘Age 30’, 2445,1773],[‘Age 40’, 2389,1729],[‘Age 50’, 2175,1577],[‘Age 60’, 2107,1525],[‘Age 70’, 2581,1855]]);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);}

The example below shows how choosing a deductible can affect annual premium costs when getting quotes for cheap insurance for a Subaru Outback. The rates are based on a single male driver, comp and collision included, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 5693,5183,4625,4095],[‘Age 30’, 2967,2729,2445,2169],[‘Age 40’, 2937,2681,2389,2105],[‘Age 50’, 2665,2439,2175,1925],[‘Age 60’, 2573,2357,2107,1869],[‘Age 70’, 3105,2857,2581,2317]]);var options = {title: ‘Impact of Deductibles on Subaru Outback Insurance Rates in New Jersey’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Outback’,minValue: 0,format: ‘$###,###’},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);}

The chart above illustrates that a 30-year-old driver could lower their car insurance rates by $548 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $832 by switching to a $1,000 deductible. Young drivers, like the Age 20 chart data, could possibly save $1,598 every year by using higher deductibles when buying full coverage.

When increasing deductibles, it will now be necessary to have plenty of money set aside to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Allstate, Geico, State Farm, and Progressive: Who is cheapest?

When comparing car insurance, four companies to consider are Allstate, Geico, State Farm, and Progressive. Combined they make up about 50% of all auto insurance written. All offer liability and physical damage insurance, but each one has a little bit different set of discounts and options that buyers can select from. The following table compares and contrasts price, claims, and customer service ratings, as well as some optional coverages offered by each company.