Finding the cheapest car insurance for a Subaru Outback is dependent upon an enormous amount of factors such as when you were born, the size of your vehicle, and citations on your driving record. Drivers will pay around $1,218 annually for Outback insurance, but that amount is an estimate calculated using a 40-year-old single female driver with full coverage and $1,000 deductibles.
Most likely you aren’t exactly 40 years old or even a female, maybe you are married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Everone’s needs are different, and this illustrates why the best method for finding the most affordable coverage for your Subaru is to put in the effort to do a thorough rate comparison. In less than five minutes you can get prices from some of the best insurers that offer coverage in California.
The trim level of your vehicle will most likely have an effect on the insurance rate, so the price you will pay to insure a Outback 2.5I will be $172 cheaper than the cost to insure the more expensive 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||$228||$408||$574||$34||$172||$1,416||$118|
|Outback 2.5I Limited||$228||$408||$574||$34||$172||$1,416||$118|
|Outback 3.6R Premium||$228||$408||$574||$34||$172||$1,416||$118|
|Outback 3.6R Limited||$254||$482||$574||$34||$172||$1,516||$126|
|Get Your Own Custom Quote Go|
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Information does not factor in zip code location which can influence rates considerably.
California car insurance company ratings
Choosing the top auto insurance provider can be rather challenging considering how many choices there are in Chula Vista. The company ratings displayed below could help you pick which coverage providers you want to consider comparing prices from. These ratings only include the largest companies in America, so companies with more of a regional focus are not factored into the list.
Top 10 Major Auto Insurers in Chula Vista Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Discounts on Chula Vista insurance rates
Insurers that provide policies for a Subaru Outback may also offer rate discounts that could lower prices by as much as 25% or more if you meet eligibility requirements. Popular car insurance companies and some of the premium reductions they offer are:
- GEICO may offer discounts for emergency military deployment, seat belt use, driver training, multi-vehicle, five-year accident-free, and membership and employees.
- Mercury Insurance offers premium reductions for multi-car, good student, accident-free, annual mileage, low natural disaster claims, and multi-policy.
- Farmers Insurance may have discounts that include good student, multi-car, youthful driver, distant student, teen driver, and homeowner.
- Auto-Owners Insurance has discounts for mature driver, paid in full, company car, teen driver, and anti-theft.
- Liberty Mutual offers discounts including multi-car, multi-policy, hybrid vehicle, exclusive group savings, and new move discount.
- SAFECO discounts include accident prevention training, safe driver, drive less, homeowner, teen safe driver, teen safety rewards, and bundle discounts.
- Progressive may include discounts for homeowner, online signing, continuous coverage, online quote discount, multi-vehicle, good student, and multi-policy.
- USAA includes discounts for safe driver, loyalty savings, annual mileage, multi-vehicle, good student, and vehicle storage.
The illustration below compares car insurance rates with and without discounts applied. The price estimates are based on a male driver, no violations or claims, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, anti-theft, multiple vehicle, passive restraint, safe-driver, and accident-free discounts applied. In this example, theaverage amount saved on car insurance for a Subaru Outback is 28% or $774.
Driving violations and accidents
In a perfect world, the ideal way to find low car insurance prices in Chula Vista for an Outback is to drive safely and avoid tickets and accidents. The chart below shows how traffic citations and at-fault claims can drive up car insurance costs for different age groups. The rate quotes are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
The data in the chart shows the average cost of an auto insurance policy in Chula Vista per year with no accidents or violations is $2,615. Get written up for two speeding tickets and the average cost jumps to $3,623, an increase of $1,008 each year. Then add one accident along with the two speeding tickets and the yearly cost of car insurance for a Subaru Outback goes up to an average of $4,623. That’s an increase of $2,007, or $167 per month, just for being a less-than-perfect driver!
The illustration below illustrates how choosing a deductible can increase or decrease insurance rates when trying to find cheap insurance for a Subaru Outback. The rates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
As shown above, a 40-year-old driver could save $382 a year by changing from a $100 deductible to a $500 deductible, or save $578 by selecting a $1,000 deductible. Even younger insureds, like the age 20 example, could lower their rates $1,266 or more by selecting a higher deductible.
If you do decide to increase your deductibles, it will be required to have additional funds squirreled away to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
The agents listed below can aid you in deciding which coverage meets your needs best, since lots of people like to get help from a professional when comparing insurance rates for a Subaru Outback. It can be hard to find the cheapest car insurance policy, and insurance agents licensed in the state of California can provide you comfort knowing you have enough coverage when you need it.
To locate a Chula Vista car insurance agency nearest to you, click the button below the list or click here to compare prices now.
Hugo Aguilera – State Farm Insurance Agent
629 3rd Ave L – Chula Vista, CA 91910 – (619) 420-3227
Joaquin Alvarez – State Farm Insurance Agent
240 F St – Chula Vista, CA 91910 – (619) 425-1216
Hoffman Hanono Insurance Agency
2090 Otay Lakes Rd #102 – Chula Vista, CA 91915 – (619) 420-1861
Fred Loya Insurance
1177 Broadway STE 21 – Chula Vista, CA 91911 – (619) 422-7500
Cordova Insurance Agency, Inc.
2260 Main St #8 – Chula Vista, CA 91911 – (619) 585-3470