Buying the best cheap auto insurance for a Subaru Outback hinges on many rating factors such as age of the vehicle, whether or not you have filed claims in the past, and your choice of physical damage deductibles. Drivers will pay on average $1,163 each year for Outback insurance, but that amount is calculated using a 40-year-old single male driver with full physical damage coverage and $500 deductibles.
There is a good probability you’re not a 40-year-old male, married instead of single, and you need different coverage limits than the sample rates. Every driver’s needs are different, and that is why the way we recommend to find the most affordable coverage for your Subaru is to compare as many rates as possible.
Cheapest Subaru Outback Insurance Rates
The trim level of your Outback will have an impact the coverage cost, so the price to insure a Outback 2.5I trim level will be $194 less than the insurance cost for the higher-priced Outback 3.6R Limited model, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $264 | $378 | $462 | $28 | $138 | $1,270 | $106 |
| Outback 2.5I Premium | $264 | $460 | $462 | $28 | $138 | $1,352 | $113 |
| Outback 2.5I Limited | $264 | $460 | $462 | $28 | $138 | $1,352 | $113 |
| Outback 3.6R | $264 | $460 | $462 | $28 | $138 | $1,352 | $113 |
| Outback 3.6R Premium | $264 | $460 | $462 | $28 | $138 | $1,352 | $113 |
| Outback 3.6R Limited | $294 | $542 | $462 | $28 | $138 | $1,464 | $122 |
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in your specific Houston location which can lower or raise rates greatly.
Trying to find cost effective insurance is confusing at best, and figuring out which companies offer the cheapest car insurance rates for a Subaru Outback involves even more work.
Each insurance company has their own guidelines to set premium rates, so let’s begin by examining the car insurance companies that tend to be cheaper in Texas.
Best Auto Insurance Prices for Your Subaru
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,247 |
| 4 | Germania Mutual | $1,294 |
| 5 | California Casualty | $1,382 |
| 6 | Esurance | $1,407 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,461 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,597 |
| 11 | Allstate | $1,650 |
| 12 | Progressive | $1,664 |
| 13 | Amica | $1,757 |
| 14 | Home State | $2,134 |
| 15 | GEICO | $2,135 |
| 16 | Unitrin | $2,241 |
| 17 | MetLife | $2,249 |
| 18 | Encompass | $2,255 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,594 |
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Travelers may have some of the lowest car insurance rates in Houston at around $1,010 per year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also qualify as some of the cheapest Houston, TX auto insurance companies.
In the rate table above, if you buy coverage from Germania Mutual and switched to Travelers, you may realize yearly savings of about $284. Drivers with California Casualty might save as much as $372 a year, and Esurance customers might lower prices by $397 a year.
Bear in mind that those premium estimates are averaged across all ages of drivers and types of vehicles and do not take into consideration an exact zip code location for a Subaru Outback. So the car insurance company that is best for you may not even be in the list above. That is why you need to get rate quotes using your own driver information and specific vehicle type.
The diagram below shows how different deductible levels can affect premium costs when getting quotes for cheap insurance for a Subaru Outback. The prices are based on a married female driver, full physical damage coverage, and no discounts are factored in.
A 30-year-old driver could lower their policy premium by $328 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $498 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old, could reduce their rates as much as $706 or more just by choosing higher deductibles when buying full coverage. When using a larger deductible, it is necessary to have additional savings on hand to cover the extra out-of-pocket expense that comes with higher deductibles.
Responsible drivers pay cheaper car insurance rates
The common sense way to find cheap car insurance prices for an Outback is to be a cautious driver and avoid tickets and accidents. The chart below illustrates how speeding tickets and at-fault claims impact annual premium costs for different age groups. The rates are based on a married male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
In the prior example, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $2,066. Factor in two speeding tickets and the average cost increases to $2,853, an increase of $787 each year. Now add one accident along with the two speeding tickets and the annual cost of car insurance for a Subaru Outback increases to an average of $3,633. That’s an increase of $1,567, or $131 per month, just for not maintaining a clean driving record!
Why it’s important to shop around
Houston car insurance rates are impacted by many factors which can substantially decrease or increase the price of coverage. Turning one year older, getting married, or having an accident may cause policy rate changes that can now make some companies more affordable than others.
Additionally, insurers change prices as needed to adjust for heavy claims or excess profits. Higher than normal claims may result in more expensive prices, while lower claims can result in cheaper Outback insurance rates.
The graph below analyzes the cheapest car insurance in Houston, TX for a 45-year-old female driver with a clear driving record, no claims, and a decent credit rating. If we look at prices based on her current risk profile, Travelers offers the best car insurance rates in Houston at $1,284 annually. This is $620 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the remainder of the cheapest Houston, TX auto insurance companies.
The next chart shows rates after we give the driver in the first example an accident surcharge, a lower credit rating, and a traffic ticket or two. Since every insurance provider has their own guidelines to determine rates, analyzing rate quotes could now result in a completely different list of affordable Houston car insurance companies as shown below.
State Farm now has the cheapest car insurance in Houston with Mercury, Nationwide, USAA, and Safe Auto also having competitive pricing. This example demonstrates why drivers need to compare rates to find the best car insurance quotes for a Subaru Outback. Insurance rates are impacted by many things and change dramatically, so the cheapest company three years ago may now cost much more than other companies.
If you have questions and prefer to get some guidance when shopping for cheaper insurance for a Subaru Outback, the agencies below can help you make a decision which car insurance company is the best fit. To find a Houston insurance agent nearest to you, click the button at the bottom or click here to get price quotes now.
- James Banks – State Farm Insurance Agent
4809 Main St – Houston, TX 77002 – (713) 523-7100 - Oscar’s Insurance Agency
5921 S Gessner Rd – Houston, TX 77036 – (713) 271-8889 - AA-USA-Insurance
702 W Sam Houston Pkwy S – Houston, TX 77042 – (713) 914-0354 - TDECU INSURANCE AGENCY, LLC
1235 N Loop W Fwy #1100 – Houston, TX 77008 – (979) 238-8283
Find a Houston, TX insurance agent near you
How to find the cheapest car insurance for a Subaru Outback
It is possible to find better rates, and here are a few money-saving solutions that can help you find more affordable car insurance.
- Pay less by remaining claim-free
- Avoid at-fault accidents and claims
- Save money by insuring your home and auto with the same company
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Drive vehicles with five-star safety ratings
- Comparison shop at least every other year
That final tip is extraordinarily necessary, as was emphasized in the article above. Insurance prices in Houston fluctuate constantly, so don’t be unwilling to switch to a new company if you can save money. Sticking with a specific company is fine, but it’s not a great idea if your bullheadedness ends up costing you thousands of dollars over several years. Now is a great time to compare rates and find cheaper car insurance for a Subaru Outback.