Subaru Outback insurance image courtesy of QuoteInspector.com
Finding economical coverage for a Subaru Outback relies on a lot of rating criteria such as annual miles driven, the likelihood of your vehicle being stolen, and driving citations. Drivers in Florida pay around $1,081 a year to insure their Outback, but that price is a valuation using a 40-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.
It's more than likely you may not be 40 years old (or even male), possibly single instead of married, or maybe your Outback doesn't need full coverage. The different assumptions illustrate why the way we recommend to find cheap car insurance rates for your Subaru is to compare as many rates as you can. Quotes are always free and you will receive rate quotes from the best auto insurance companies that insure vehicles in Florida.
Vehicle trim level can impact price, so the rate you pay to insure a Outback 2.5I model will be $172 less than the price to insure the higher-priced Outback 3.6R Limited model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outback 2.5I Premium||$270||$402||$430||$26||$128||$1,256||$105|
|Outback 2.5I Limited||$270||$402||$430||$26||$128||$1,256||$105|
|Outback 3.6R Premium||$270||$402||$430||$26||$128||$1,256||$105|
|Outback 3.6R Limited||$300||$474||$430||$26||$128||$1,358||$113|
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Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in vehicle location which can modify price quotes noticeably.
Shopping around for low-cost car insurance is not always easy, and figuring out which company offers the lowest-priced car insurance rates for a Subaru Outback may require even more diligence. Each insurer uses different criteria to set their prices, so first let's look at the rankings for the car insurance companies with the most affordable rates in Florida.
It's important that you understand Florida car insurance rates are impacted by many things that may substantially change the policy premium. Taking a driver safety course, increasing deductibles, or getting a couple of tickets may cause policy rate changes that can cause some rates to be much higher than others.
Find the Best Cheap Insurance for Your Subaru
|Rank||Company||Cost Per Year|
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USAA offers some of the most affordable car insurance rates in Miami at around $957 per year. Amica, Electric, Progressive, and Travelers would also make the list of some of the lowest-priced Miami, FL car insurance companies.
As shown in the table above, if you are a policyholder with Progressive and switched to Amica, you might achieve yearly savings of upwards of $47. Florida drivers with Travelers may save as much as $142 a year, and Allied insureds might cut rates by $199 a year.
Understand that those estimates are averaged for all drivers and vehicles in Florida and do not take into consideration a specific location for a Subaru Outback. So the company that fits your situation best may not even be in the list above. That helps illustrate why you need to get rate quotes using your own specific driver information and vehicle.
Violations and accidents raise rates
The obvious way to snag the cheapest car insurance rates in Florida for an Outback is to be a safe driver and avoid at-fault accidents and violations. The example below illustrates how traffic citations and at-fault collisions can affect car insurance rates for different categories of driver ages. The rates are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
In the chart above, the average cost of car insurance in Miami per year with no accidents and a clean driving record is $1,894. Get written up for one speeding ticket and the average cost hikes up to $2,178, an increase of $284 each year. Now add in one accident along with the one speeding ticket and the yearly cost of car insurance for a Subaru Outback goes up to an average of $2,951. That's an increase of $1,057, or $88 per month, just for not driving safely!
Discounts on Miami auto insurance rates
Insurance providers that offer cheap quotes for a Subaru Outback may provide discounts that may potentially lower prices by 25% or more if you can meet the requirements. The best car insurance companies and their possible discounts include:
- State Farm includes discounts for accident-free, defensive driving training, good driver, good student, student away at school, and driver's education.
- Farmers Insurance may offer discounts for switch companies, mature driver, homeowner, good student, and electronic funds transfer.
- GEICO discounts include daytime running lights, emergency military deployment, multi-policy, five-year accident-free, seat belt use, air bags, and driver training.
- American Family may have discounts that include defensive driver, good driver, accident-free, TimeAway discount, bundled insurance, good student, and air bags.
- Nationwide offers discounts including anti-theft, business or organization, easy pay, accident-free, family plan, Farm Bureau membership, and good student.
- Progressive offers premium reductions for online signing, good student, online quote discount, multi-vehicle, continuous coverage, homeowner, and multi-policy.
The example below shows the comparison of insurance costs with and without discounts applied to the policy premium. The costs are based on a male driver, no violations or claims, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multiple vehicle, multiple policy, vehicle safety, homeowner, accident-free, and marriage discounts applied. When taking advantage of discounts, the average savings per year on car insurance for a Subaru Outback is 28% or $584.
The information below illustrates how your choice of deductibles can increase or decrease insurance costs when trying to find cheap insurance for a Subaru Outback. The data assumes a married male driver, comp and collision included, and no additional discounts are factored in.
The data above shows that a 40-year-old driver could lower their policy premium by $360 a year by changing from a $100 deductible up to a $500 deductible, or save $544 by switching to a $1,000 deductible. Even younger drivers, such as the Age 20 example, can cut as much as $1,196 each year by selecting a higher deductible. If you do make the decision to raise your deductibles, it is necessary to have additional funds squirreled away to allow you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.