Who Has the Cheapest Insurance Quotes for a Subaru Outback in Georgia?

The likelihood of finding cheap insurance for a Subaru Outback in Georgia is dependent upon a whole bunch of rating criteria such as age of the vehicle, if you currently have coverage, and any prior driving offenses you have. Drivers in Georgia pay approximately $1,340 a year to buy Subaru Outback insurance, but that rate is an approximation rating a 50-year-old single male driver that purchased full comprehensive and collision coverage and $100 policy deductibles.

That rate won’t apply to everyone, because more than likely you are not exactly 50 years old and possibly not even male, you might be married instead of single, and there is a good chance that other rated drivers impact the rate. Every driver has a different risk profile, so the most reliable method for finding affordable rates for your Subaru is to make a habit of regularly comparing rates from other companies. Quotes are free and you can get prices from the cheapest companies available.

Cheapest Subaru Outback Insurance Rates

The specific model of Outback tends to impact the cost of insurance, so the cost to insure a Outback 2.5I model will be $262 less than the cost to insure the more expensive Outback 3.6R Limited model, as shown below.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in vehicle location which can revise auto insurance rates significantly.

Finding a high-quality auto insurance company can be a challenge considering how many choices there are in Georgia. The ranking information shown below could help you decide which coverage providers you want to consider when trying find the best insurance for a Subaru Outback. These ratings include the largest companies in America, so companies that only write business in Georgia or surrounding areas are not included in the list.

Top 10 Large Car Insurance Companies in Georgia Ranked by Customer Satisfaction

1. USAA – 91%
2. Esurance – 90%
3. AAA Insurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. Travelers – 88%

Top 10 Large Car Insurance Companies Overall in Georgia

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 Companies for Subaru Outback Insurance in Georgia

Liability-only versus full coverage

Finding the cheapest insurance for a Subaru Outback in Georgia is the goal of the majority of vehicle owners, and one of the fastest ways to reduce the cost of insurance is to not buy full coverage. The example below illustrates the comparison of insurance premiums with and without full coverage. The data is based on no violations or claims, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

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As an average for all age groups, physical damage coverage costs an extra $2,116 per year more than buying just liability insurance. Many people question when is it a good idea to stop buying full coverage. There is no definitive guideline that works best for making the decision to drop physical damage coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

How accidents and tickets impact rates in Georgia

The easiest method to get good car insurance rates in Georgia for an Outback is to drive safe and not have accidents or get tickets. The illustration below shows how traffic citations and fender-benders can drive up insurance costs for different age categories. The data assumes a single male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 3527,3793,6209],[‘Age 30’, 1901,2169,4585],[‘Age 40’, 1841,2107,4523],[‘Age 50’, 1679,1947,4361],[‘Age 60’, 1627,1893,4309],[‘Age 70’, 1991,2259,4675]]);var options = {title: ‘Accidents, Violations, and Georgia Subaru Outback Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Outback in Georgia’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of a car insurance policy per year with no accidents and a clean driving record is $2,094. Get one speeding ticket and the average cost increases to $2,361, an increase of $267 each year. Now add in two accidents along with the one speeding ticket and the annual cost of car insurance for a Subaru Outback jumps again to an average of $4,777. That’s an increase of $2,683, or $224 per month, just for being a little careless behind the wheel!

Does Allstate, Progressive, Geico, or State Farm have the cheapest car insurance?

If you’re looking for the cheapest insurance for an Outback in Georgia, the four most popular companies are Allstate, Progressive, Geico, and State Farm. Combined they make up nearly half of all car insurance policies written. They all offer different options that may steer you one way or another. The data below shows price, claims, and customer service ratings, as well as some optional coverages that policyholders can buy.