Buying cheaper auto insurance for a Subaru Outback is pretty simple for most people to do, but it is dependent upon a very complex rating algorithm that uses multiple factors such as how old the Outback is, your credit rating, and your motor vehicle report. Drivers in Pennsylvania pay on average $1,248 annually to insure their Outback, but that amount is an approximation based on a 30-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
The problem with using this number is the good chance you aren’t exactly 30 years old or even a female, married instead of single, or maybe you are just looking for cheap liability insurance. Auto insurance is unique to each driver, so the way we recommend to find affordable rates for your Subaru is to compare as many rates as possible.
Compare Subaru Outback Insurance Rates
Vehicle trim level has an effect on the cost of coverage, so the price you will pay to insure a Outback 2.5I will cost $226 less than the cost to insure the more well-appointed Outback 3.6R Limited trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $318 | $434 | $444 | $26 | $134 | $1,356 | $113 |
| Outback 2.5I Premium | $318 | $528 | $444 | $26 | $134 | $1,450 | $121 |
| Outback 2.5I Limited | $318 | $528 | $444 | $26 | $134 | $1,450 | $121 |
| Outback 3.6R | $318 | $528 | $444 | $26 | $134 | $1,450 | $121 |
| Outback 3.6R Premium | $318 | $528 | $444 | $26 | $134 | $1,450 | $121 |
| Outback 3.6R Limited | $356 | $622 | $444 | $26 | $134 | $1,582 | $132 |
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rates do not factor in specific garaging location which can revise price quotes greatly.
Selecting the best car insurance provider can be difficult considering how many choices there are in Pittsburgh. The ranking information in the next section may help you choose which coverage providers to look at when buying insurance for a Subaru Outback. These ratings include the largest auto insurers in America, so companies that only write business in Pennsylvania or surrounding areas will not be included in this list.
Top 10 Major Car Insurance Companies Overall in Pittsburgh
- The General
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
- USAA
Discount Pittsburgh auto insurance
Insurers that offer cheap quotes for a Subaru Outback may additionally offer special discounts that may potentially lower prices by as much as 25% or more if you meet certain criteria. Large auto insurance companies and their offered discounts include:
- GEICO has savings for federal employee, driver training, defensive driver, multi-vehicle, anti-theft, multi-policy, and five-year accident-free.
- Auto-Owners Insurance may offer discounts for teen driver, company car, anti-lock brakes, paid in full, safe driver, and student away at school.
- American Family has discounts for TimeAway discount, accident-free, bundled insurance, good student, Steer into Savings, early bird, and multi-vehicle.
- Esurance may include discounts for paid-in-full, claim free, online quote, multi-policy, anti-theft, and safety device.
- Progressive may have discounts that include homeowner, online quote discount, continuous coverage, good student, online signing, and multi-vehicle.
- State Farm includes discounts for good driver, good student, Steer Clear safe driver discount, student away at school, driver’s education, and passive restraint.
- AAA offers discounts including multi-policy, education and occupation, AAA membership discount, multi-car, and anti-theft.
The chart below illustrates the comparison of insurance costs with and without discounts applied. The prices are based on a female driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with passive restraint, multiple vehicle, homeowner, defensive driving course, safe-driver, and multiple policy discounts applied. In this example, theaverage amount saved on auto insurance for a Subaru Outback is 28% or $463.
Rate increases following a ticket or accident
The obvious way to find good auto insurance rates in Pittsburgh for an Outback is to drive attentively and avoid accidents and violations. The information below demonstrates how traffic citations and at-fault accidents can raise auto insurance rates for different categories of driver ages. The premiums are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,692. Get two speeding tickets and the average cost hikes up to $2,260, an increase of $568 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Subaru Outback increases to an average of $2,832. That’s an increase of $1,140, or $95 per month, just for being a careless driver!
The information below highlights how deductible selection can increase or decrease annual premium 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 discounts are applied to the premium.
The data above shows that a 30-year-old driver could reduce rates by $368 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $558 by selecting a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could lower their rates $816 every year just by choosing higher deductibles. If you make the decision to raise deductibles, it’s a good idea to have enough savings to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.