Buying competitive coverage for a Subaru Outback in California doesn’t take a ton of time, but it depends on a pretty complex algorithm that uses a lot of factors such as whether you are married, where you live, and your motor vehicle report. Drivers in California will pay on average $1,347 each year for Outback insurance, but that figure is an approximation using a 40-year-old single male driver with full physical damage coverage and $500 deductibles.
More likely than not, you aren’t exactly 40 years old or even a male, possibly married instead of single, or maybe you just want liability only. Even a minor change in rating variables or coverage information can result in a big discrepancy in how much insurance for a Subaru Outback costs.
This example demonstrates why the only real way to find affordable rates for your Subaru is to do the rate comparisons yourself. Quotes are free and you will get price quotes from some of the cheapest companies available.
The trim level of your Subaru tends to have a direct effect on price, so the price you pay to insure a Outback 2.5I will be $226 cheaper than the price to insure the high end Outback 3.6R Limited trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outback 2.5I Premium||$306||$534||$534||$32||$160||$1,566||$131|
|Outback 2.5I Limited||$306||$534||$534||$32||$160||$1,566||$131|
|Outback 3.6R Premium||$306||$534||$534||$32||$160||$1,566||$131|
|Outback 3.6R Limited||$342||$628||$534||$32||$160||$1,696||$141|
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can impact auto insurance rates significantly.
Figuring out which companies quote the cheapest car insurance rates for a Subaru Outback takes a bit more work than just quoting one company’s rates.
Every car insurance company has their own guidelines to set their prices, so let’s rank the car insurance companies with the most affordable rates in Fresno. We do need to point out that California car insurance rates are influenced by many factors which can substantially change the cost of a policy. Simply turning a year older, getting divorced, or getting a reckless driving citation can trigger price changes that can cause some rates to be more affordable than the competition.
Best Cheap Insurance Rates for Your Subaru
|Rank||Company||Cost Per Year|
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USAA generally has some of the best car insurance rates in Fresno at around $1,155 a year. Century National, CSAA, Wawanesa, and Nationwide also make the cut as some of the cheaper Fresno, CA insurance companies.
As the example above demonstrates, if you are insured with Wawanesa and switched to USAA, you might see annual savings of around $37. Drivers with Nationwide might save as much as $108 a year, and 21st Century policyholders might lower prices by up to $170 a year.
It’s important to note that these estimates are averaged for all drivers and vehicles and are not factoring in a vehicle location for a Subaru Outback. So the car insurance company that fits your age and vehicle best may not even be in the top 24 companies shown above. That helps illustrate why you need to quote rates from many companies using your own personal information and vehicle type.
Does it make sense to buy full coverage?
Finding cheaper car insurance is the goal of most drivers, and one easy way to lower the cost of insurance for a Subaru Outback is to only pay for liability coverage. The illustration below illustrates the difference between premium costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The prices are based on no accidents, no driving violations, $100 deductibles, single status, and no additional discounts are factored in.
If we average the cost for ages 20 through 70, physical damage coverage costs $2,831 per year over and above liability only. That touches on the question if full coverage is worth the money. There is no set guideline that works best for making the decision to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
There are a few cases where dropping full coverage is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Shop around and save
California car insurance rates are impacted by many factors that can increase the cost of coverage. Simply getting older, buying higher coverage limits, or getting a ticket for running a stop sign can trigger rate changes resulting in some rates now being much cheaper than others. Not only may things change on your end, but insurers change rates multiple times each year in order to remain profitable. Heavier than normal losses may cause price increases, while less frequent claims can result in cheaper Outback insurance rates.
To illustrate this example, the data below shows the cheapest car insurance in Fresno, CA for a 45-year-old female driver with no accidents or violations, and excellent credit. If we estimate prices based on her current risk profile, USAA might offer the most affordable car insurance rates in Fresno at $1,291 per year. This is $360 less than the average price paid by California drivers of $1,651. CSAA, Century National, Wawanesa, and Nationwide are also included in the top five cheapest Fresno, CA auto insurance companies.
Now let’s give the driver from above some claims, bad credit, and a blemish on her driving record. Due to the fact that every auto insurer has their own guidelines for filing rates in each state, comparing prices most likely will result in a different set of affordable companies as shown below.
Grange now has the best insurance rate in Fresno with Mercury, Progressive, GEICO, and Allstate completing the list. This example demonstrates why California drivers need to perform a complete rate comparison to find the most budget-friendly car insurance quotes for a Subaru Outback. Auto insurance prices are influenced by many things and change frequently, so the cheapest option two years ago may now be one of the higher cost companies.
How to find low-cost insurance for a Subaru Outback
It is possible to find better rates, and here are a few thrifty solutions that can help you buy lower-cost coverage.
- Maintain a safe distance and avoid accidents
- Safer vehicles generally have cheaper insurance rates
- Claim-free drivers earn discounts
- Ensure your driving record is clean
- Buying home and auto insurance together can earn discounts
- Compare rate quotes frequently
That last idea is notably crucial, as we noted in this write-up. Coverage rates vary considerably, so don’t hesitate to buy from a new company if a lower price can be found. Sticking with a specific company is fine, but is isn’t recommended if that devotion results in you overpaying a small fortune year after year. If you have a few minutes, compare prices and find cheaper car insurance for a Subaru Outback in Fresno.
The Fresno car insurance agencies listed below are a good start to aid you in deciding which insurance coverage you need, as lots of drivers aren’t clear which coverage they need and would like to get some help when comparing insurance rates for an Outback. It’s not always simple to find the cheapest rates, so getting advice from a licensed agent can provide you satisfaction knowing your coverage gives you sufficient protection if you have a claim.
To locate an agency using an interactive map, click the link after the list or click here to compare price quotes.
Steph Flores Peters – State Farm Insurance Agent
371 E Bullard Ave #104 – Fresno, CA 93710 – (559) 274-0600
Dalena Benik and Associates Insurance
6740 N. West Street #108 – Fresno, CA 93711 – (559) 578-3022
Bulldog Insurance Agency
7975 N Cedar Ave – Fresno, CA 93720 – (559) 447-5000
Pillar Insurance Partners, LLC
1477 E Shaw Ave #140 – Fresno, CA 93710 – (559) 436-6441