Subaru Outback insurance cost image courtesy of QuoteInspector.com
Buying the best cheap car insurance for a Subaru Outback in California relies on an enormous amount of factors such as when you were born, the condition of your credit, and your choice of deductibles. California drivers pay approximately $1,675 per year to insure their Outback, but that is an estimation based on a 30-year-old single female driver with full physical damage coverage and $250 deductibles.
When making auto insurance estimates, the issue arises that you may not be 30 years old (or even female), maybe you are married instead of single, and you don't want the same coverages and limits as the example. Car insurance coverage is unique to each driver, so this is why the way we recommend to find cheap car insurance rates for your Subaru is to do your own rate comparisons. Price quotes are quick and you can get prices from some of the best insurers available.
The specific trim level has an effect on price, so the price you pay to insure a Outback 2.5I model will be $300 less expensive the price to insure the higher-end Outback 3.6R Limited version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outback 2.5I Premium||$428||$708||$596||$36||$178||$1,946||$162|
|Outback 2.5I Limited||$428||$708||$596||$36||$178||$1,946||$162|
|Outback 3.6R Premium||$428||$708||$596||$36||$178||$1,946||$162|
|Outback 3.6R Limited||$476||$834||$596||$36||$178||$2,120||$177|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in specific location which can modify auto insurance rates greatly.
Best insurance company in Santa Ana
Finding the best car insurance company can be difficult considering how many choices drivers have in Santa Ana. The rank data shown below can help you choose which car insurance companies you want to consider when comparing rate quotes.
These rankings are for large nationwide companies, so companies that have a smaller presence will not be included in this list. If you'd like to compare prices from these and other competitive companies, click here.
Top 10 Major Auto Insurance Companies in Santa Ana Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Major Auto Insurance Companies in Santa Ana Ranked by A.M. Best Rating
- USAA - A++
- Travelers - A++
- State Farm - A++
- GEICO - A++
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Progressive - A+
- Titan Insurance - A+
Discounts on Santa Ana auto insurance
Insurers that provide coverage for a Subaru Outback may have premium discounts that can reduce rates by 35% or more if you qualify. Popular insurance companies and some of the premium reductions they offer are included below.
- Farm Bureau discounts include driver training, youthful driver, multi-vehicle, renewal discount, safe driver, and 55 and retired.
- MetLife policyholders can earn discounts including accident-free, defensive driver, claim-free, multi-policy, good student, good driver
- Progressive may offer discounts for multi-policy, online quote discount, homeowner, good student, and continuous coverage.
- AAA may include discounts for good student, pay-in-full, multi-policy, good driver, and multi-car.
- American Family offers discounts for TimeAway discount, good student, good driver, early bird, air bags, multi-vehicle, and accident-free.
- GEICO has savings for anti-lock brakes, driver training, multi-policy, five-year accident-free, good student, defensive driver, and seat belt use.
- State Farm has discounts for multiple autos, multiple policy, driver's education, anti-theft, passive restraint, and Steer Clear safe driver discount.
The diagram below shows the difference between premium costs with and without discounts applied to the premium. The data assumes a female driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with safe-driver, homeowner, anti-theft, claim-free, marriage, and vehicle safety discounts applied. When discounts are factored in, theaverage amount saved on insurance for a Subaru Outback is 28% or $741.
Full coverage rates compared to liability only
Paying a lower price for insurance is the goal of the majority of drivers, and one of the easiest ways to lower the cost of insurance for a Subaru Outback is to only buy liability coverage. The example below illustrates the comparison of car insurance costs when comparing full coverage to liability only. The premiums assume no violations or accidents, $500 deductibles, marital status is single, and no discounts are taken into consideration.
If averaged for all ages, comprehensive and collision coverage on your policy costs $2,502 per year more than buying just liability insurance. A very common question is if buying full coverage is worth the expense. There isn't a written rule of when to phase out full coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
There are some circumstances where removing full coverage is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
The Santa Ana, CA, insurance agents below can probably aid you in deciding which car insurance company is the best fit, as many consumers aren't sure which coverage to buy and prefer to have a little guidance when shopping for cheaper insurance for an Outback. It's not always simple to find the best rates on your own, so insurance agents licensed in the state of California can add satisfaction knowing you have adequate asset protection.
To find an auto insurance agency using an interactive map, click the button link following the list or click here to compare price quotes now.
- Farmers Insurance: Sandy Hocking-Cline
1801 Park Ct Pl - Santa Ana, CA 92701 - (714) 973-9100
- Jose Gastelum - State Farm Insurance Agent
1780 E McFadden Ave Ste 114 - Santa Ana, CA 92705 - (714) 557-3344
- Mural Insurance Agency
1202 17th St #103 - Santa Ana, CA 92701 - (714) 541-1003
How to find low-cost auto insurance for a Subaru Outback
It's not impossible to find cheaper rates, and here are some thrifty ideas that can help drivers quote cheaper coverage.
- Be a cautious driver
- Increase physical damage deductibles
- Clean up your credit
- Avoid preventable accidents
- Buy a vehicle with excellent safety ratings
- Shop around once a year for cheaper rates
The last tip is particularly valuable, as was noted in this write-up. Auto insurance rates can change significantly in a year, so don't hesitate to change insurance companies if a more affordable price is available.
Loyalty to a specific company is fine, but is isn't recommended if it's costing you hundreds every year. In just a few minutes you could compare prices and find cheaper insurance for a Subaru Outback in Santa Ana.