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

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.

Subaru Outback Insurance Rates in New Jersey
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $478 $514 $630 $38 $188 $1,848 $154
Outback 2.5I Premium $478 $626 $630 $38 $188 $1,960 $163
Outback 2.5I Limited $478 $626 $630 $38 $188 $1,960 $163
Outback 3.6R $478 $626 $630 $38 $188 $1,960 $163
Outback 3.6R Premium $478 $626 $630 $38 $188 $1,960 $163
Outback 3.6R Limited $532 $738 $630 $38 $188 $2,126 $177
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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.

New Jersey Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Mercury Insurance 87 96 100 87% A+ 93.4
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
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
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Data Source: Insure.com Best Car Insurance Companies

Discounts on cheap insurance for a Subaru Outback in New Jersey

Cheaper New Jersey insurance for an OutbackInsurance 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:

Auto Insurance Discounts for Popular Insurers
Discount State Farm Geico Allstate Progressive Liberty Mutual Farmers Nationwide
Bundled policies Yes Yes Yes Yes Yes Yes Yes
Multiple vehicles Yes Yes No Yes Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes Yes
Anti-lock brakes Yes Yes Yes No Yes No No
Air bags Yes Yes Yes No Yes Yes Yes
New vehicle Yes No Yes No No Yes Yes
No accidents Yes Yes Yes Yes No Yes Yes
Defensive driving course Yes Yes Yes Yes No Yes Yes
Low miles Yes No Yes Yes Yes No Yes
Active duty military Yes Yes No Yes No Yes No
Professional affiliation No Yes No No Yes Yes Yes
Paid in full No Yes Yes Yes Yes Yes Yes
Email statements No Yes Yes Yes Yes Yes Yes
Loyalty Yes No No Yes No Yes Yes
Good grades Yes Yes Yes Yes Yes Yes Yes
Distant student Yes No Yes Yes Yes Yes Yes
Own a home No No No Yes No Yes No
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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.

Top U.S. Car Insurance Company Ratings
Allstate Geico State Farm Progressive
Handling of Claims 1st 3rd 2nd 4th
Overall Cost 4th 1st 2nd 3rd
Number of Discounts 1st 2nd 3rd 4th
Client Satisfaction 2nd 1st 4th 3rd
U.S. market share 10% 11.4% 18.3% 8.8%
Customer recommendation 86% 87% 88% 88%
A.M. Best rating A+ A++ A++ A+
S&P financial rating AA- AA+ AA AA
Accident forgiveness Yes Yes No Yes
Rating based on usage Yes No Yes Yes
New car replacement coverage Yes No No No
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Roadside service Yes Yes Yes Yes
Breakdown insurance No Yes No Yes
Where to buy Only buy from Allstate agents Online or through a Geico agent Only from State Farm agents Online or from independent agents
Number of agents 11,000+ 150+ 18,000+ 30,000+
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