Finding the cheapest insurance for a Subaru Outback in California relies on a complicated rating formula that uses factors such as whether you are married, your credit rating, and driving citations. Drivers in California pay on average $1,520 per year to insure their Outback, but that cost is an approximation using a 40-year-old single male driver with both comprehensive and collision coverage and $250 deductibles.
The issue with using an average estimated rate is the likelihood you aren’t exactly 40 years old or even a male, maybe you are married instead of single, or maybe you have a teenager that needs to be on your policy. Not every driver requires the same auto insurance coverages, so the only way to find the cheapest insurance price for your Subaru is to just take the time to compare rates yourself. Get a free quote now and you will receive price comparisons from some of the best companies that offer coverage in California.
Cheapest Subaru Outback Insurance Rates
The trim level of your Outback will have an impact the yearly cost, so the price you will pay to insure a Outback 2.5I model will be $278 less than the cost to insure the more well-appointed Outback 3.6R Limited model, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $378 | $544 | $534 | $32 | $160 | $1,648 | $137 |
| Outback 2.5I Premium | $378 | $662 | $534 | $32 | $160 | $1,766 | $147 |
| Outback 2.5I Limited | $378 | $662 | $534 | $32 | $160 | $1,766 | $147 |
| Outback 3.6R | $378 | $662 | $534 | $32 | $160 | $1,766 | $147 |
| Outback 3.6R Premium | $378 | $662 | $534 | $32 | $160 | $1,766 | $147 |
| Outback 3.6R Limited | $420 | $780 | $534 | $32 | $160 | $1,926 | $161 |
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Estimates do not factor in specific location which can decrease or increase prices substantially.
Finding cheap car insurance is hard enough, and determining which companies have the cheapest insurance rates for a Subaru Outback will require even more diligence. Each company has a different formula for filing rates in each state, so to begin we’ll rank the insurance companies that tend to have lower prices in California.
It’s important to understand that San Diego, CA insurance rates are calculated based on many things that will increase or decrease your annual premium. That is why it is so important to shop around to get the most budget-friendly insurance rates for a Subaru Outback. Insurance prices are impacted by many things and can decrease or increase without notice, so the lowest-price company three years ago may now be an over-priced policy.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,181 |
| 4 | CSAA | $1,186 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,512 |
| 9 | Mercury | $1,533 |
| 10 | Allied | $1,541 |
| 11 | Allstate | $1,559 |
| 12 | GEICO | $1,575 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,590 |
| 15 | Unitrin | $1,699 |
| 16 | State Farm | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,006 |
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USAA quotes some of the lowest car insurance rates in San Diego at around $1,109 per year. Century National, Wawanesa, CSAA, and Nationwide also qualify as some of the most economical San Diego, CA insurance companies.
As shown in the rates above, if you are a policyholder with CSAA and switched to Century National, you may see a yearly savings of upwards of $8. Customers with Nationwide might save as much as $85 a year, and 21st Century policyholders might see rate reductions of $147 a year.
To see if your current coverage is too expensive, click here to start a quote or quote prices from the following companies.
These estimates are averaged across all types of insureds and vehicles and are not factoring in an exact vehicle garaging location for a Subaru Outback. So the auto insurance company that fits your situation best may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
The example below demonstrates how deductibles can influence insurance costs when trying to find cheap insurance for a Subaru Outback. The prices are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.
A 50-year-old driver could lower rates by $434 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $656 by using a $1,000 deductible. Even younger drivers, such as the Age 20 example, can save as much as $1,098 annually by choosing a larger deductible amount. When choosing a higher deductible, it will now be necessary to have enough in a savings account to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Poor driving habits will raise your insurance rates
In a perfect world, the best way to obtain cheap insurance premiums in California for an Outback is to be a cautious driver and not receive tickets or have accidents. The illustration below shows how violations and at-fault fender-benders can affect premium costs for each different age group. The prices are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
The data charted above shows the average cost of auto insurance in California per year with no accidents and a clean driving record is $2,121. Factor in one speeding ticket and the average cost swells to $2,406, an increase of $285 each year. Now add in two accidents along with the one speeding ticket and the yearly cost of insurance for a Subaru Outback increases to an average of $5,068. That’s an increase of $2,946, or $246 per month, just for not driving safely!
How to get discounts on San Diego car insurance
Insurance providers that offer cheap quotes for a Subaru Outback may also provide price discounts that could potentially reduce rates by 35% or more if you meet specific criteria. A few popular companies and a selection of discounts are detailed below.
- Progressive discounts include multi-policy, good student, homeowner, multi-vehicle, and continuous coverage.
- GEICO offers discounts including anti-lock brakes, military active duty, daytime running lights, emergency military deployment, and federal employee.
- State Farm has discounts for anti-theft, defensive driving training, passive restraint, Steer Clear safe driver discount, safe vehicle, accident-free, and student away at school.
- Esurance may have discounts that include safety device, anti-theft, DriveSense, multi-policy, Pac-12 alumni, and homeowner.
- The Hartford offers premium reductions for bundle, good student, driver training, air bag, defensive driver, anti-theft, and vehicle fuel type.
The chart below compares premium costs with and without discounts applied. The price estimates are based on a female driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple policy, accident-free, homeowner, safe-driver, passive restraint, and claim-free discounts applied. When these discounts are applied, the average amount saved each year on insurance for a Subaru Outback is 28% or $631.
If you have questions and prefer to have some professional guidance when trying to find lower insurance rates for an Outback, the agents below can probably help you make a decision which insurance coverage will be best for you.
To locate an agency close to where you live, click the button at the bottom or click here to compare prices now.
- Farmers Insurance – Aaron Farmer
7960 Silverton Ave #202 – San Diego, CA 92126 – (858) 689-0466 - ARROWHEAD General Insurance Agency, Inc.
701 B St #2100 – San Diego, CA 92101 – (619) 744-5000 - Barney and Barney Insurance Services LLC
9171 Towne Centre Dr Suite 500 – San Diego, CA 92122 – (800) 321-4696 - Myles Collins – State Farm Insurance Agent
9920 Mira Mesa Blvd A – San Diego, CA 92131 – (858) 271-6400