Buying the best cheap auto insurance for a Subaru Outback depends on a lot of rating factors such as age of the vehicle, where you live, and citations or violations on your driving record. Ohio drivers will pay on average $711 per year for Outback insurance, but that cost is a valuation based on a 40-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
It’s more than likely you’re not a 40-year-old female, maybe you are married instead of single, and maybe your Outback is older and does not require full coverage. Car insurance coverage is unique to each driver, so this is why the best method for finding cheap insurance prices for your Subaru is to do the rate comparisons yourself.
The specific model of Outback tends to have a direct impact on the insurance rate, so the cost to insure a Outback 2.5I will cost $114 less than the cost to insure the more well-appointed Outback 3.6R Limited version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outback 2.5I Premium||$154||$270||$296||$18||$88||$826||$69|
|Outback 2.5I Limited||$154||$270||$296||$18||$88||$826||$69|
|Outback 3.6R Premium||$154||$270||$296||$18||$88||$826||$69|
|Outback 3.6R Limited||$172||$318||$296||$18||$88||$892||$74|
|Get Your Own Custom Quote Go|
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Estimates do not factor in specific location which can decrease or increase coverage rates greatly.
How to find a good Ohio car insurance company
Finding a good quality company is hard considering how many companies there are to choose from in Columbus. The company ratings displayed below could help you pick which coverage providers to look at when trying to find cheaper insurance for a Subaru Outback.
These rankings are only comprised of companies with a nationwide focus, so smaller regional companies are not factored into these rankings. If you’d like to compare prices and find the cheapest rates for a Subaru Outback, follow this link.
Top 10 Major Auto Insurers Overall in Columbus
- 21st Century
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- American Family
Top 10 Major Auto Insurers in Columbus Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General
Get discounts on Columbus insurance
Auto insurance companies that offer coverage for a Subaru Outback may provide premium discounts that could reduce prices by as much as 25% or more if you meet specific criteria. Larger car insurance companies and some of the discounts are outlined below.
- American Family offers discounts for bundled insurance, mySafetyValet, Steer into Savings, defensive driver, and good driver.
- State Farm offers discounts including anti-theft, safe vehicle, defensive driving training, multiple policy, and good driver.
- 21st Century may offer discounts for teen driver, good student, defensive driver, 55 and older, early bird, homeowners, and student driver.
- Travelers has savings for save driver, good student, new car, IntelliDrive, home ownership, and early quote.
- GEICO may include discounts for anti-lock brakes, five-year accident-free, driver training, air bags, military active duty, defensive driver, and federal employee.
The diagram below illustrates the comparison of insurance prices with and without discounts being applied to the rates. The premium estimates are based on a male driver, a clean driving record, no claims, Ohio state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with accident-free, defensive driving course, homeowner, passive restraint, multiple vehicle, and anti-theft discounts applied. With discounts applied, the average savings per year on car insurance for a Subaru Outback is 27% or $398.
Why you should compare rates
Ohio car insurance rates are calculated based on many things that can increase the price of your policy. Simply turning a year older, having a teen driver, or getting a ticket for careless driving may prompt premium changes that can cause some rates to be more affordable than before.
In addition to those changes, insurance companies file new Ohio car insurance rates as needed in order to offset underwriting gains or losses. An extended period of higher than normal claims can cause high rates, while profitable underwriting can cause cheaper Outback insurance rates.
To help illustrate this point, the bar chart below shows which companies have the cheapest car insurance in Columbus, OH for a 45-year-old female driver with a clear driving record, no claims, and good credit. If we compare prices based on her personal risk profile, Utica National offers the best car insurance rates in Columbus at $796 a year. This is $244 less than the average premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and USAA are the rest of the cheapest Columbus, OH auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart some claims, a lower credit rating, and a traffic ticket or two. Since each auto insurance company has a different process to determine rates, analyzing rate quotes will most likely result in a completely different list of the cheapest car insurance companies in Columbus as shown below.
Cincinnati Insurance now has the cheapest auto insurance in Columbus with Merchants Insurance Group, Motorists Mutual, General Casualty, and Grange Mutual also being competitive. This illustrates why it is important to perform an extensive rate comparison when trying to find the most budget-friendly auto insurance quotes for a Subaru Outback.
Prices are determined by many different factors and change frequently, so the best option when you bought your policy may now be quite expensive.