Who Has Cheap Insurance Quotes for a Subaru Outback in Indiana?

When writing about shopping for car insurance, the word “cheap” should not appear anywhere to describe car insurance prices. It’s just reality that cheap car insurance for a Subaru Outback is just plain contradictory. But don’t let us ruin your dream, because there may be ways you can still get insurance that you can fit into your budget.

Your odds of finding the best cheap coverage for a Subaru Outback in Indiana is contingent on a whole bunch of factors such as your gender, whether or not you have had gaps between policies, and citations on your driving record. Indiana drivers will pay on average $930 a year for Outback insurance, but that cost is a projection based on rates for a 30-year-old married female that purchased full coverage and $100 deductibles.

But there is a good chance that you are not a 30-year-old female, possibly single instead of married, or maybe you need higher liability limits than the state minimum. There is no one cookie-cutter policy that works for everyone, so your best chance at finding the cheapest coverage for your Subaru is to compare rates from as many companies as possible.

View Subaru Outback Insurance Rates

The trim level of your vehicle will most likely have an effect on the insurance rate, so the price you will pay to insure a Outback 2.5I model will be $182 less expensive the cost to insure the more expensive Outback 3.6R Limited model, as shown below.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in specific garaging location which can impact price quotes noticeably.

Trying to find cheap insurance is hard enough, and determining which companies offer the lowest-priced insurance rates for a Subaru Outback will involve additional perseverance.

Each insurance company uses a different method for setting rates, so let’s rank the insurance companies that tend to have lower prices in Indiana. It’s important that you understand Indiana insurance rates are calculated based on many things that control the cost of coverage. Events like a birthday, having a teen driver, or getting a reckless driving citation can trigger changes in premium that can now make some companies more affordable than before.

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Travelers quotes some of the lowest car insurance rates in Indiana at around $620 per year. Cincinnati Insurance, USAA, Erie, and Western Reserve would also make the list of some of the lowest-priced Indiana insurance companies.

In the rate table above, if you are insured with Erie and switched to Cincinnati Insurance, you could see savings of approxmiately $27. Policyholders with Western Reserve could save as much as $160 a year, and The Hartford customers might lower prices by $185 a year.

To find cheap insurance for a Subaru Outback in Indiana, click here or quote prices from the following companies.

Understand that those prices are averages for all insureds and vehicles and and are not figured with a specific rate value for a Subaru Outback. So the company that has the cheapest rates for you may not even be in the list of companies above. That points out the importance of why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

The information below illustrates how your choice of deductibles can raise or lower yearly insurance costs when trying to find cheap insurance for a Subaru Outback. The data assumes a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

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As shown above, a 40-year-old driver could pocket $238 a year by increasing from a $100 deductible to a $500 deductible, or save $360 by using a $1,000 deductible. Even younger insureds, like the 20-year-old example, could lower their rates up to $590 or even more by using higher deductibles when buying full coverage.

When increasing deductibles, it will be required to have enough in a savings account to satisfy the extra out-of-pocket expense that comes with higher deductibles.

Discounts on cheap insurance for a Subaru Outback in Indiana

Car insurance companies that provide policies for a Subaru Outback may also give you policy discounts that can lower rates by 35% or more if you meet specific criteria. A list of companies and their offered discounts are detailed below.

• Progressive includes discounts for online signing, continuous coverage, multi-vehicle, multi-policy, homeowner, and online quote discount.
• Farmers Insurance offers premium reductions for switch companies, alternative fuel, youthful driver, early shopping, electronic funds transfer, business and professional, and distant student.
• Farm Bureau offers discounts including youthful driver, driver training, 55 and retired, multi-vehicle, and safe driver.
• State Farm has discounts for good student, safe vehicle, driver’s education, Steer Clear safe driver discount, accident-free, defensive driving training, and student away at school.
• GEICO may offer discounts for anti-theft, defensive driver, driver training, good student, and seat belt use.
• SAFECO has savings for teen safety rewards, accident prevention training, homeowner, multi-car, and safe driver.
• Liberty Mutual policyholders can earn discounts including good student, teen driver discount, hybrid vehicle, newly married, exclusive group savings, and safety features.

The diagram below compares auto insurance rates with and without discounts applied to the policy premium. The price estimates are based on a female driver, no tickets, no at-fault accidents, Indiana state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple vehicle, claim-free, homeowner, passive restraint, anti-theft, and safe-driver discounts applied. When these discounts are applied to the policy premium, the the amount saved on insurance for a Subaru Outback is 28% or $420.

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Company comparison: Geico vs State Farm vs Allstate vs Progressive

When it comes to insurance for an Outback, four companies to take a look at are Geico, State Farm, Allstate, and Progressive. When combined, they have almost half of all auto insurance written. The next table illustrates some of the different options and features that are available for customers.

Who has the cheapest Subaru Outback insurance quotes?

Drivers have a lot of ways to purchase insurance in Indiana, but the most common are through an independent or non-exclusive agent, an exclusive agency such as State Farm or Allstate, or from a direct company like Geico. They all follow the same basic process, but it’s important to point out the distinctions in how they function.

Independent insurance agents write business for many companies and can do rate comparisons with every one. Independent agents are appointed with more than one company and can give you more rates, which may give you the best idea of how your rates compare. If premiums increase, your agent can switch companies and you can keep the same agent.

A captive or exclusive agent is only able to quote rates from just one company, examples being Allstate or State Farm agents. These agents normally cannot quote rates from more than one company, so it’s a good idea to get additional price quotes.

The last way is buying direct, which means you skip an exlusive or independent agent and buy from a direct company like Progressive or Geico. This insurance option is a good choice for consumers who do not need high levels of coverage and know what coverages they need.

What is the best method to buy cheap insurance for a Subaru Outback in Indiana? One answer would be buying from a direct car insurance company results in the cheapest rates because there is no agent involved, but unfortunately, that is not the case. We’d also like to say an independent agent guarantees the lowest rates due to more options, but that is not necessarily true either. In a lot of cases, the exclusive agents have coverage prices that are the cheapest.

Because there is so much variation in insurance prices, the only real way to buy the cheapest coverage is to compare lots of quotes. It takes a little work, but we recommend you get quotes from all three types to give yourself plenty of rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.