Finding the best cheap insurance for a Subaru Outback hinges on many factors such as whether you are single or married, whether or not you garage your vehicle, and violations on your driving record. Arizona drivers pay approximately $804 annually to insure their Outback, but that figure is an approximation calculated based on a 30-year-old married male driver with full coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 30 years old and maybe not even male, maybe you are single instead of married, and you may just want the cheapest liability coverage you can find. There is no perfect policy for every driver, so the only real way to find the cheapest coverage for your Subaru is to just compare rates yourself.
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Your vehicle’s trim level will be a contributing factor to the insurance rate, so the price you will pay to insure a Outback 2.5I will cost $136 less than the cost to insure the fancier 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 | $212 | $258 | $300 | $18 | $90 | $878 | $73 |
| Outback 2.5I Premium | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Outback 2.5I Limited | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Outback 3.6R | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Outback 3.6R Premium | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Outback 3.6R Limited | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Table data does not factor in specific Scottsdale garaging location which can affect premium rates noticeably.
Establishing which company quotes the most affordable insurance rates for a Subaru Outback requires a bit more work in order to find the lowest price quote. Every insurance company has a different formula to set premium rates, so let’s rank the insurance companies with the most affordable rates in Arizona.
It’s a good idea to be aware that Scottsdale, AZ insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay. Simply having another birthday, getting married, or getting into an accident may cause policy rate changes that can now make some companies cheaper than others.
Lowest Insurance Price Quotes for Your Subaru
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $923 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,108 |
| 6 | Progressive | $1,118 |
| 7 | GEICO | $1,142 |
| 8 | Ameriprise Group | $1,220 |
| 9 | CSAA | $1,225 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Unitrin | $1,317 |
| 13 | Safe Auto | $1,336 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,391 |
| 16 | Titan | $1,418 |
| 17 | Amica | $1,443 |
| 18 | American Family | $1,463 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,568 |
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The Hartford offers some of the cheapest car insurance rates in Scottsdale at around $836 each year. Auto-Owners, Safeco, USAA, and Travelers also qualify as some of the cheapest Scottsdale, AZ auto insurance companies.
As illustrated above, if you currently have a policy with USAA and switched to Auto-Owners, you may see an annual premium reduction of roughly $192. Customers with Travelers might save as much as $220 a year, and Progressive policyholders might lower prices by up to $230 a year.
To see how much you can save, click here to get a free quote or click through to the companies below.
Understand that those policy prices are averages for all drivers and vehicles and and are not calculated with an exact location for a Subaru Outback. So the company that fits your situation best may not even be in the top 28 companies in the list above. That is why you need to compare prices as often as possible using your own specific driver information and vehicle.
Cautious Scottsdale drivers save money
The recommended way to get the most affordable insurance premiums in Arizona for an Outback is to pay attention while driving and not receive tickets or have accidents. The diagram below shows how violations and fender-benders can affect insurance prices for each age group. The data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
In the previous example, the average cost of auto insurance in Scottsdale per year with no violations or accidents is $1,811. Receive two speeding tickets and the average cost surges to $2,431, an increase of $620 each year. Then include two accidents along with the two speeding tickets and the annual cost of insurance for a Subaru Outback goes up to an average of $4,672. That’s an increase of $2,861, or $238 per month, just for not driving carefully!
The chart below illustrates how choosing a deductible can impact insurance prices when searching for cheap insurance for a Subaru Outback. The information is based on a married male driver, full physical damage coverage, and no discounts are factored in.
The data above shows that a 30-year-old driver could save $332 a year by switching from a $100 deductible to a $500 deductible, or save $504 by changing to a $1,000 deductible. Youthful drivers, like the 20-year-old category, could possibly save $998 each year by choosing larger deductibles on their policy. If you do raise deductibles, it is necessary to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How to find budget-friendly car insurance for a Subaru Outback
Below you’ll find some of the recommended money-saving ideas that can help drivers locate cheaper auto insurance.
- Drive a car with a high safety rating
- Higher physical damage deductibles lower rates
- Older vehicles may not need full coverage
- Higher credit ratings may save you money
- Accidents can significantly increase rates
- Do not get traffic tickets
- Compare rates and switch if you can find a better deal
The last idea is very significant, as we stressed in the prior information. Insurance rates fluctuate constantly, so you should be ready to change insurance companies if a more affordable price is available. Staying with the same company for years is fine, but it’s not a good idea if that dedication is costing hundreds of dollars year after year. It takes less than five minutes to compare rates to find cheaper insurance for a Subaru Outback in Scottsdale.
If you aren’t sure which coverage you need and prefer to have a consultation when shopping around for cheaper insurance for a Subaru Outback, the agents shown below can provide answers to your questions and help you determine which car insurance company is the best fit. To locate a Scottsdale car insurance agency closest to you, click the button below the list.
- Crest Insurance Group, LLC
7900 E Thompson Peak Pkwy # 10 – Scottsdale, AZ 85255 – (480) 860-6453 - Hartford Insurance Agent
17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800 - JVP Insurance Agency
10025 E Dynamite Blvd – Scottsdale, AZ 85262 – (480) 473-3100 - Colonial General Insurance Co
8475 E Hartford Dr – Scottsdale, AZ 85255 – (480) 991-7889