Cheapest Insurance Quotes for a Subaru Outback in Oklahoma

When discussing car insurance, the words “cheap” or “affordable” should never be used anywhere to describe car insurance rates. It’s just reality that cheap auto insurance for a Subaru Outback is not easy to find. Don’t let that discourage you, because we are going to tell you how you can find and buy insurance that you can fit into your budget.

Your chances of buying the cheapest insurance for a Subaru Outback in Oklahoma is contingent on a complicated equation that takes into consideration things like the safety features built into your vehicle, what you do for a living, and violations on your driving record. Oklahoma drivers will pay on average $1,330 every 12 months to buy insurance for a Subaru Outback, but that figure is that uses a 40-year-old married female who purchased both comprehensive and collision coverage and $250 physical damage deductibles.

Odds are that you are not 40 years old and maybe not even female, maybe you are single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Making minor changes in policy rating factors can precipitate large changes in the amount insurance costs for a Subaru Outback.

Each driver has unique rating factors, so the only real way to find cheap insurance rates for your Subaru is to shop around at every renewal for lower rates.

View Subaru Outback Insurance Rates

Your Subaru’s trim level impacts the insurance rate, so the rate you will pay to insure a Outback 2.5I will be $242 lower than the insurance cost for the higher-end Outback 3.6R Limited trim level, as shown in the chart below.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Table data does not factor in your specific Oklahoma location which can raise or lower prices significantly.

Comparing rates for low-cost insurance is easier said than done, and deciding which company has the cheapest auto insurance rates for a Subaru Outback involves a bit more work. Each insurance company has their own unique process for establishing rates, so we’ll take a look at the most budget-friendly auto insurance companies in Oklahoma.

Lowest Insurance Price Quotes for Your Subaru

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Oklahoma Farmers Union offers some of the lowest car insurance rates in Oklahoma at around $1,154 annually. USAA, GEICO, The Hartford, and Safe Auto are also some of the best Oklahoma insurance companies.

As shown in the rates above, if you buy coverage from GEICO and switched to Oklahoma Farmers Union, you might see savings of approxmiately $186. Customers with The Hartford might save as much as $205 a year, and Safe Auto policyholders might realize rate reductions of up to $223 a year.

If you want to find out if you’re overpaying, click here to begin a quote or quote prices from the following companies.

It’s important to note that these estimates are averaged across all drivers and vehicles and are not factoring in a specific rate value for a Subaru Outback. So the insurer that fits your situation best may not even be shown in the rate chart shown above. That point stresses why you need to get auto insurance quotes using your own driver data and vehicle information.

Comparison of full coverage and liability-only policies

Finding the cheapest insurance for a Subaru Outback in Oklahoma is important to the majority of vehicle owners, and one of the fastest ways to buy cheaper insurance is to not insure for full coverage. The chart below compares car insurance rates when comparing full coverage to liability only. The premiums assume no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are applied.

Averaged for all age groups, full coverage costs $2,540 per year more than just buying liability insurance. At some point, almost every driver questions if buying full coverage is worth the expense. There is no exact rule to exclude comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

How to get discounts on Oklahoma insurance

Auto insurance companies that offer the cheapest insurance for a Subaru Outback in Oklahoma may also offer policy discounts that could potentially reduce rates by as much as 25% or more if you meet certain criteria. A few popular companies and a selection of discounts can be read below.

The diagram below shows the difference between insurance premiums with and without some available policy discounts. The premiums assume a male driver, no claims or driving violations, Oklahoma state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with homeowner, passive restraint, vehicle safety, claim-free, accident-free, and multiple policy discounts applied. With discounts applied, the the average amount saved on auto insurance for a Subaru Outback is % or $.

Cheapest car insurance: Geico, Allstate, Progressive, or State Farm

When researching insurance for an Outback in Oklahoma, the top insurers to get price quotes from are Geico, Allstate, Progressive, and State Farm. Combined they make up over 48% of the entire U.S. car insurance market. All of them offer liability and physical damage protection, but each on has a distict selection of optional coverages and features that may steer you one way or another. The table below shows some of the ratings and options that may be available in Oklahoma.