Finding affordable auto insurance for a Subaru Outback in California hinges on a very complex rating algorithm that uses multiple factors such as how many miles you drive each year, your address, and whether or not you are a good driver. Drivers pay approximately $1,482 each year for Outback insurance, but that amount is using a 50-year-old single female driver with full coverage and $100 deductibles.
There’s a high likelihood you aren’t exactly 50 years old or even a female, married instead of single, and maybe you have sub-par credit that needs to be factored in. Even a slight difference in the rating criteria used to formulate rates can result in a large change in the price of a policy.
This example demonstrates why the only real way to find the cheapest coverage for your Subaru is to do a thorough rate comparison.
The specific model of Outback tends to have a direct impact on the cost of coverage, so the price to insure a Outback 2.5I model will be $280 cheaper than the cost to insure the high end Outback 3.6R Limited model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $370 | $554 | $500 | $30 | $150 | $1,604 | $134 |
| Outback 2.5I Premium | $370 | $672 | $500 | $30 | $150 | $1,722 | $144 |
| Outback 2.5I Limited | $370 | $672 | $500 | $30 | $150 | $1,722 | $144 |
| Outback 3.6R | $370 | $672 | $500 | $30 | $150 | $1,722 | $144 |
| Outback 3.6R Premium | $370 | $672 | $500 | $30 | $150 | $1,722 | $144 |
| Outback 3.6R Limited | $412 | $792 | $500 | $30 | $150 | $1,884 | $157 |
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in garaging location in San Jose which can raise or lower insurance rates significantly.
Comparing rates for reasonably-priced auto insurance is challenging, and determining which companies have the lowest-priced auto insurance rates for a Subaru Outback takes a bit more work. Every insurance company has their own formula for establishing rates, so we’ll go over the lowest cost auto insurance companies in California.
Compare Cheap Insurance Quotes for Your Subaru
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,146 |
| 3 | CSAA | $1,186 |
| 4 | Century National | $1,190 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,503 |
| 9 | Progressive | $1,512 |
| 10 | GEICO | $1,513 |
| 11 | Allied | $1,541 |
| 12 | Allstate | $1,559 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,606 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,699 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,006 |
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USAA offers some of the most affordable car insurance rates in San Jose at around $1,143 per year. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also some of the lowest-priced San Jose, CA auto insurance companies.
In the rate table above, if you are a customer of Century National and switched to USAA, you could realize savings of roughly $47. Customers with Nationwide might save as much as $83 a year, and 21st Century insureds might reduce prices by as much as $182 a year.
Remember that these premiums are averages for all types of insureds and vehicles and and are not calculated with a specific vehicle garaging location for a Subaru Outback. So the auto insurance company that fits your situation best may not even be in the top 24 companies shown above. That emphasizes why you need to get auto insurance quotes using your own driver data and vehicle information.
Poor driving habits will raise your auto insurance rates
The ideal way to score good auto insurance rates in San Jose for an Outback is to be a good driver and avoid accidents and traffic violations. The example below demonstrates how citations and at-fault collisions can influence premium costs for different ages of insureds. The rates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
In the example above, the average cost of auto insurance in California per year with a clean driving record and no accidents is $2,121. Get one speeding ticket and the average cost surges to $2,406, an increase of $285 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of auto insurance for a Subaru Outback goes up to an average of $5,068. That’s an increase of $2,946, or $246 per month, just for a couple of infractions!
You may be paying too much for Outback insurance
San Jose, CA auto insurance rates are based on many factors that control the cost of a policy. Simply getting older, having a teen driver, or getting a ticket for running a stop sign can produce rate changes resulting in some companies being affordable when they were higher priced. Not only may your situation change, but auto insurance companies change the rates they charge in California as often as every quarter to ensure their profitability. Significantly higher claims can result in additional premium costs, while less frequent claims may result in cheaper Outback insurance rates.
To illustrate this example, the chart below shows the cheapest car insurance in San Jose, CA for a 40-year-old female driver with a clean driving record, no accidents, and excellent credit. If we estimate prices based on her current risk profile, USAA might quote the most affordable car insurance rates in San Jose at $1,217 each year. This is $434 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the list of the best San Jose, CA auto insurance companies.
In this next rate comparison, we will give the driver from the first example some claims, a lower credit rating, and a few blemishes on her driving record. Because each insurer has a unique formula for setting rates, comparing prices will most likely result in a different set of the cheapest companies as shown below.
Grange now has the cheapest price in San Jose with Mercury, Allstate, Allied, and Progressive now being in the top five. This shows why it is critical to shop around when trying to find cheap insurance rates for a Subaru Outback. Prices are calculated by many different factors and can change without notice, so the most economical company the last time you shopped around may now be one of the higher cost companies.