Who Has the Cheapest Irvine Car Insurance Rates for a Subaru Outback?

Buying cheap insurance for a Subaru Outback relies on a complicated formula that considers factors such as age of the vehicle, your credit history, and the level of deductible you choose. Drivers in California pay approximately $1,151 annually for Outback insurance, but that amount is an estimate using a 50-year-old married female driver with full physical damage coverage and $250 deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not 50 and maybe not even a female, maybe you are single instead of married, and you need different coverage limits than the sample rates. Even a slight change in policy rating criteria or coverages could result in a significant change in the amount insurance costs for a Subaru Outback.

Every driver’s needs are different, and that is why the best way to find the cheapest rates for your Subaru is to do your own rate comparisons.

Insure Your Subaru for Less

The specific model of Outback tends to have a direct effect on the insurance rate, so the cost to insure a Outback 2.5I model will be $204 lower than the cost to insure the more costly Outback 3.6R Limited version, as shown in the prices below.

Subaru Outback Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $296 $392 $416 $24 $124 $1,252 $104
Outback 2.5I Premium $296 $478 $416 $24 $124 $1,338 $112
Outback 2.5I Limited $296 $478 $416 $24 $124 $1,338 $112
Outback 3.6R $296 $478 $416 $24 $124 $1,338 $112
Outback 3.6R Premium $296 $478 $416 $24 $124 $1,338 $112
Outback 3.6R Limited $330 $562 $416 $24 $124 $1,456 $121
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify insurance rates noticeably.

Choosing a highly-rated insurer can be rather challenging considering how many companies sell coverage in California. The company rank data in the lists below can help you decide which auto insurance companies you want to consider when trying find the best insurance for a Subaru Outback. The ratings below only include large, nationwide insurance companies, so smaller companies are not taken into consideration for these rankings.

Irvine, CA Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
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Data Source: Insure.com Best Car Insurance Companies

Full coverage versus liability only rates

Finding the cheapest auto insurance should be important to the majority of people, and one of the quickest ways to lower the cost of insurance for a Subaru Outback is to not buy full coverage. The example below shows the comparison of auto insurance costs with and without full coverage. The rates are based on no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are applied.

If we average the cost for all age groups, comprehensive and collision coverage on your policy costs an extra $3,057 per year more than buying just liability insurance. That proposes the question if buying full coverage is a waste of money. There is no written rule for excluding comp and collision coverage, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

There are some circumstances where dropping full coverage is not a good plan. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Get discounts on Irvine auto insurance

Save on auto insurance for an Outback in IrvineCar insurance companies that provide policies for a Subaru Outback may have premium discounts that can lower rates by as much as 35% if you meet specific eligibility requirements. A few popular companies and some of the premium reductions they offer are detailed below.

The diagram below illustrates the comparison of yearly insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, accident-free, safe-driver, passive restraint, marriage, and defensive driving course discounts applied. When discounts are factored in, the average savings per year on auto insurance for a Subaru Outback is 28% or $586.

Ideas for finding budget-friendly auto insurance for a Subaru Outback

Lowering your rates is not difficult, and here are a few thrifty ideas that can help drivers find lower-cost car insurance.

That last tip is extremely crucial, as was stressed in the prior information. Rates can be modified anytime, so don’t be unwilling to switch carriers if a cheaper price is available. Having brand loyalty is commendable, but it’s not a good idea if that loyalty ends up costing big bucks every year. If you have a few minutes, now is a great time to compare rates and find cheaper insurance for a Subaru Outback in Irvine.

If you aren’t sure which coverage you need and prefer to get help from a professional when trying to find the best insurance rates for an Outback, the insurance agencies below are a good start to provide answers to your questions and help you determine which auto insurance policy would work best for you.

To find an Irvine insurance agency closest to you, click the button after the list or click here to compare price quotes.

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