How Much is Insurance for a Subaru Outback in California?

Whenever people write about auto insurance, the word “cheap” should never be used anywhere in the article to describe car insurance prices. Please forgive the oxymoron, but cheap auto insurance for a Subaru Outback is not always easy to find. Don’t get your dauber down, because we can show you some ways you can find and buy insurance that fits into your budget.

Your ability to find cheap car insurance for a Subaru Outback in California is contingent on a whole bunch of factors such as whether you are a new or experienced driver, the likelihood of vehicle theft, and whether or not you are a good driver. California drivers on average pay approximately $1,410 every 12 months for Outback insurance, but that figure is a ballpark figure using cost data for a 40-year-old married male driver that included full coverage including both comprehensive and collision and $100 physical damage deductibles.

There is a good possibility you are not exactly 40 years old and possibly not even male, maybe you are single instead of married, and there is a good chance that other rated drivers impact the rate. Just a slight change in rating criteria can result in a big discrepancy in the policy cost.

Every car insurance policy is unique to the driver, so the only real way to find the most affordable coverage for your Subaru is to compare as many rates as you can.

View Subaru Outback Insurance Rates

Vehicle trim level will influence the annual cost of coverage, so the cost to insure a Outback 2.5I will be $270 less expensive the price to insure the more well-appointed Outback 3.6R Limited trim level, as shown below.

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in zip code location which can raise or lower price quotes noticeably.

Buying coverage from the best insurance company can be a challenge considering how many different companies there are to choose from in California. The company ratings below could help you choose which insurers you want to consider when shopping around. The ratings below are only made up of major nationwide insurance companies, so companies that only write business in California or surrounding areas are not factored into the list.

Top 10 Major Car Insurance Companies Overall in California

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Top 10 Major Car Insurance Companies in California Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Top Companies for Subaru Outback Insurance in California

Discounts on cheap insurance for a Subaru Outback in California

Insurers that sell policies for a Subaru Outback may have price discounts that can lower rates by 30% or more if you are eligible. Larger car insurance companies and some of the premium reductions they offer are detailed below.

The example below compares insurance costs with and without policy discounts. The information is based on a female driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with defensive driving course, claim-free, safe-driver, multiple policy, homeowner, and accident-free discounts applied. When drivers take advantage of discounts, the average savings per year on car insurance for a Subaru Outback is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 4257,3065],[‘Age 30’, 2971,2155],[‘Age 40’, 2749,1993],[‘Age 50’, 2405,1747],[‘Age 60’, 2321,1685],[‘Age 70’, 2689,1943]]);var options = {title: ‘Comparison of Insurance Rates 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: [‘#c096ca’, ‘#e1b7ec’],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);}

Do you need full coverage?

Finding cheap insurance for a Subaru Outback in California should be important to the majority of vehicle owners, and one easy way to buy cheap insurance is to not buy full coverage. The information below illustrates the comparison of insurance premiums with liability coverage only compared to full coverage. The premiums assume no accidents or driving violations, $250 deductibles, single status, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 4767,1563],[‘Age 30’, 2509,855],[‘Age 40’, 2469,791],[‘Age 50’, 2243,741],[‘Age 60’, 2169,729],[‘Age 70’, 2629,975]]);var options = {title: ‘Comparison of Rates for Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Outback in California’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

If averaged out across all ages, comp and collision coverage costs an additional $2,798 per year more than buying just liability insurance. Many drivers may wonder when is it safe to stop buying full coverage. There is no specific rule for dropping full coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your vehicle’s book value is $6,500 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,500 after the deductible is paid. If you are paying in excess of $550 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some situations where only buying liability is not advised. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

Progressive, State Farm, Allstate, or Geico: Which is best?

If you’re looking for the best insurance for an Outback in California, four companies to consider are Progressive, State Farm, Allstate, and Geico. The table below breaks down pricing and service ratings, plus some optional coverages shoppers can expect to find with each one.