Cheap Insurance Quotes for a Subaru Outback in Hawaii

Our content editors always give us grief that when writing about auto insurance, the word affordable should not appear anywhere in the article to describe car insurance prices. Sad but true, cheap car insurance for a Subaru Outback is just plain contradictory. But don’t let us ruin your dream, because we are going to show you how you can still find and buy coverage that fits into your budget.

Finding cheap insurance for a Subaru Outback in Hawaii depends upon a fairly complex equation with a lot of factors such as the number of years of driving experience you have, your current insurance company, and any prior driving citations you have received. Drivers in Hawaii pay around $890 each year for Outback insurance, but that price is a valuation based on rates for a 30-year-old married male that has full comprehensive and collision coverage and $100 policy deductibles.

It’s more than likely you are not 30 and maybe not even a male, maybe you are single instead of married, and you need different coverage limits than the sample rates. This shows why the most reliable method for finding the cheapest rates for your Subaru is to just take the time to do a thorough rate comparison.

Compare Subaru Outback Insurance Rates

The specific trim level will likely have an effect on price, so the price you will be charged to insure a Outback 2.5I model will cost $174 less than the insurance cost for the high end Outback 3.6R Limited trim level, as shown by the rates below.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in zip code location which can decrease or increase rates significantly.

Best auto insurance company in Hawaii

Finding the top auto insurance company is difficult considering how many choices you have in Hawaii. The company information shown next could help you decide which car insurance providers you want to consider when shopping your coverage around.

These ratings include companies with a national presence, so companies that have a smaller presence are not factored into these rankings. If you wish to compare prices from these and other companies in Hawaii, click here.

Liability-only versus full coverage

Finding cheap insurance for a Subaru Outback in Hawaii is important to the majority of people, and one of the quickest ways to lower the cost of insurance is to buy only liability coverage. The illustration below illustrates the comparison of premium costs with and without full coverage. Data assumes a clean driving record, no claims, $100 deductibles, single marital status, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 3455,945],[‘Age 30’, 1793,523],[‘Age 40’, 1783,485],[‘Age 50’, 1617,453],[‘Age 60’, 1561,447],[‘Age 70’, 1873,595]]);var options = {title: ‘Full Coverage Compared to Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Outback in Hawaii’,minValue: 0,format: ‘$###,###’},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);}

Averaged out for all age groups, physical damage coverage costs $2,014 per year more than insuring for liability only. That touches on the question if you should buy full coverage at all. There is no clear-cut formula of when to drop comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

Impact of violations and accidents on rates

The easiest way to get cheap insurance for a Subaru Outback in Hawaii is to be a good driver and not have accidents or get tickets. The chart below illustrates how speeding tickets and at-fault collisions can drive up insurance prices for different categories of driver ages. The rate quotes are based on a married female driver, comp and collision included, $1,000 deductibles, and no additional 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’, 1575,1757,3417],[‘Age 30’, 1093,1275,2931],[‘Age 40’, 1087,1267,2923],[‘Age 50’, 961,1143,2797],[‘Age 60’, 911,1093,2751],[‘Age 70’, 985,1167,2825]]);var options = {title: ‘Accidents, Violations, and Hawaii 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 Hawaii’,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);}

The data in the chart shows the average cost of car insurance in Hawaii per year with no accidents or violations is $1,102. Factor in one speeding ticket and the average cost rises to $1,284, an increase of $182 each year. Next add two accidents along with the one speeding ticket and the annual cost of auto insurance for a Subaru Outback increases to an average of $2,941. That’s an increase of $1,839, or $153 per month, just for not driving safely!

Which car insurance company is best?

If you want the best auto insurance, the companies with the most market share are Geico, Progressive, Allstate, and State Farm. The data below illustrates ratings and policy coverage options shoppers can expect to find with each one.