How Much Does Insurance Cost for a Subaru Outback in Delaware?

How Much Does Insurance Cost for a Subaru Outback in Delaware?

Our staff writers always rib each other than when writing about auto insurance, the words “cheap” or “affordable” should not be used as a descriptor for car insurance rates. Despite the oxymoron, cheap car insurance for a Subaru Outback is not always easy to find. We’ll try to make it up to you, because we are going to show you some ways you can quote auto insurance that is cheaper than your current policy.

Your chances of finding cheaper auto insurance for a Subaru Outback in Delaware relies on lots of different factors like the number of years you have been driving, your credit score, and deductible levels for physical damage coverage. Drivers on average pay around $1,230 every 12 months to insure their Outback, but that figure is an approximation based on a 30-year-old married male driver with comprehensive and collision coverage and $250 policy deductibles.

Chances are that rate is not what you would pay, because most likely you aren’t exactly 30 years old or even a male, possibly single instead of married, or maybe you’ve had an at-fault accident or two. What seems to be a minor change in rating variables can generate big changes in the cost of insurance for a Subaru Outback.

There is no one cookie-cutter policy that works for everyone, so the best way to find the cheapest coverage for your Subaru is to compare as many rates as you can.

View Subaru Outback Insurance Rates

The trim level of your vehicle will be a contributing factor to the coverage cost, so the price you will be charged to insure a Outback 2.5I model will be $228 less than the price to insure the high end Outback 3.6R Limited version, as demonstrated by the prices below.

Subaru Outback Insurance Rates in Delaware
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $354 $434 $406 $24 $122 $1,340 $112
Outback 2.5I Premium $354 $528 $406 $24 $122 $1,434 $120
Outback 2.5I Limited $354 $528 $406 $24 $122 $1,434 $120
Outback 3.6R $354 $528 $406 $24 $122 $1,434 $120
Outback 3.6R Premium $354 $528 $406 $24 $122 $1,434 $120
Outback 3.6R Limited $394 $622 $406 $24 $122 $1,568 $131
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Delaware minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in specific location which can impact prices noticeably.

Best auto insurance company in Delaware

Insuring your vehicle with the best insurance provider is difficult considering how many companies there are to choose from in Delaware. The company rank data shown below could help you pick which companies to look at when comparing auto insurance rates for a Subaru Outback. These ratings only include companies with a national presence, so companies with more of a regional focus are not included in these rankings.

Top 15 Auto Insurance Companies in Delaware
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Driving violations and accidents

The common sense way to earn cheap insurance for a Subaru Outback in Delaware is to drive carefully and have a clean driving record. The information below illustrates how speeding tickets and accidents raise annual premium costs for different age groups. The rates are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are factored in.

The chart shows that the average cost of a car insurance policy in Delaware per year with no accidents or violations is $2,298. Get written up for one speeding ticket and the average cost hikes up to $2,591, an increase of $294 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Subaru Outback jumps again to an average of $5,193. That’s an increase of $2,895, or $241 per month, just for not being attentive to the road!

How to find economical insurance for a Subaru Outback

The list below shows some of the better money-saving solutions that can help you locate the cheapest coverage.

  • Violations like speeding or DUI increase rates
  • Raise your deductibles
  • Do not waste money insuring older vehicles for full coverage
  • Prevent rate increases by staying accident-free
  • Choose a safer vehicle and pay lower rates
  • Better credit scores save money
  • Shop around for lower rates once a year

The last item on the list is especially valuable, as we noted in this piece. Insurance prices adjust often, so don’t hesitate to change to a new company if a lower-cost policy is available.

Many consumers stick with the same company and that’s fine, but it’s not recommended if that devotedness results in you overpaying a wad of cash every year. Spend a few minutes and compare prices and find cheaper car insurance for a Subaru Outback.

Cheap Subaru Outback insurance quotes

Drivers have a lot of different ways to get cheap auto insurance quotes in Delaware, but the most popular ways are from an exlusive agent like State Farm or Liberty Mutual, an independent insurance agent, or from a direct company like Geico or Progressive.

They all have the same end result, but buyers need to know the differences in how they work.

Independent insurance agents work with multiple companies and can do rate comparisons with each one. These types of agencies are not employed by only one company and can quote rates with many companies, which may provide you with more bang for your buck. If your premiums go up, it’s easy for the agent to move the policy and you don’t have to switch agencies.

An exclusive agent is restricted to quoting rates for one company, for example Allstate and Liberty Mutual agents. Exclusive agencies are unable to give you multiple price quotes, so it’s a good idea to get additional quotes.

Direct auto insurance buyers bypass an independent or exclusive agent and buy direct either online or via phone. Buying auto insurance direct may be good for consumers who do not need risk management and have a good understanding of what specific coverages and deductibles they need.

So which method is best for finding cheap insurance for a Subaru Outback in Delaware? Most people would assume that shopping direct results in the best prices since there is no middleman, but that is generally not the case. A valid argument could also be made that buying auto insurance from an independent agent guarantees the best prices since they can provide multiple quotes, but that assumption is also not necessarily accurate. For the right applicant, the exclusive agents have price quotes that are impossible to beat.

Because of the variability of auto insurance rates, really the only way to get rock-bottom rates is to compare, compare, and compare some more. Money-saving experts recommend you get rate quotes from independent agents, exclusive agents, and direct companies to give yourself plenty of rates to compare. For a list of companies with online discounts, click here to view.