Buying competitive auto insurance for a Subaru Outback is pretty easy for most people, but it hinges on a complicated formula that considers factors such as driver age, the likelihood of your vehicle being stolen, and any prior driving offenses. Drivers pay approximately $845 per year for Outback insurance, but that price is an approximation based on a 50-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.
When projecting a rate like this, the problem is that you’re not a 50-year-old female, maybe you are married instead of single, or maybe you want more liability coverage than is required by law in Colorado. Just a very minor change in rating criteria could end up with a large change in the cost of insurance for a Subaru Outback.
Every driver’s needs are different, and that is why the only real way to find cheap auto insurance rates for your Subaru is to compare rates from as many companies as possible.
The specific trim level will most likely have an effect on the annual cost of coverage, so the price you will pay to insure a Outback 2.5I model will be $120 cheaper than the cost to insure the higher-end Outback 3.6R Limited trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $162 | $232 | $396 | $24 | $118 | $932 | $78 |
| Outback 2.5I Premium | $162 | $282 | $396 | $24 | $118 | $982 | $82 |
| Outback 2.5I Limited | $162 | $282 | $396 | $24 | $118 | $982 | $82 |
| Outback 3.6R | $162 | $282 | $396 | $24 | $118 | $982 | $82 |
| Outback 3.6R Premium | $162 | $282 | $396 | $24 | $118 | $982 | $82 |
| Outback 3.6R Limited | $182 | $332 | $396 | $24 | $118 | $1,052 | $88 |
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rates do not factor in zip code location which can modify premiums noticeably.
How to find a good Colorado auto insurance company
Selecting the highest-rated insurer is hard considering how many companies there are in Colorado. The information in the lists below may help you choose which insurers you want to consider when shopping insurance around for a Subaru Outback. The rankings below are only comprised of companies who write in the majority of U.S. states, so companies that only write business in Colorado or surrounding areas are not taken into consideration for the list.
| 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 |
| 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 |
| 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 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
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Data Source: Insure.com Best Car Insurance Companies
Safe drivers pay cheaper rates
One of the best ways to find the cheapest auto insurance prices in Colorado for an Outback is to drive cautiously and not receive tickets or have accidents. The information below shows how traffic citations and fender-benders can raise car insurance rates for different ages of insureds. The data is based on a single female driver, comp and collision included, $500 deductibles, and no discounts are factored in.
In the chart above, the average cost of car insurance in Colorado per year with no accidents or violations is $1,899. Factor in one speeding ticket and the average cost swells to $2,153, an increase of $254 each year. Then include two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Subaru Outback jumps again to an average of $4,408. That’s an increase of $2,509, or $209 per month, just for not driving responsibly!
Types of discounts on Denver car insurance rates
Insurance providers that offer quotes for a Subaru Outback may have special discounts that could reduce prices by as much as 35% or more if you qualify. A list of auto insurance companies and the discounts they provide include:
- State Farm has discounts for accident-free, good driver, safe vehicle, Drive Safe & Save, student away at school, and Steer Clear safe driver discount.
- GEICO offers discounts including multi-vehicle, good student, daytime running lights, driver training, air bags, and federal employee.
- SAFECO may offer discounts for multi-car, drive less, homeowner, anti-theft, teen safety rewards, bundle discounts, and accident prevention training.
- Farmers Insurance has savings for good student, youthful driver, business and professional, alternative fuel, and pay in full.
- AAA may include discounts for multi-car, good driver, AAA membership discount, anti-theft, good student, pay-in-full, and multi-policy.
- USAA offers premium reductions for loyalty savings, safe driver, vehicle storage, family discount, multi-policy, annual mileage, and driver training.
The information below shows the comparison of yearly insurance costs with and without discounts applied. Data assumes a female driver, no claims, a clean driving record, Colorado state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with claim-free, defensive driving course, homeowner, safe-driver, marriage, and anti-theft discounts applied. When taking advantage of discounts, theamount saved on auto insurance for a Subaru Outback is 28% or $527.
The information below shows how choosing a deductible can raise or lower insurance rates when quoting cheap insurance for a Subaru Outback. The rates are based on a married female driver, comp and collision included, and no policy discounts are applied.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $298 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $452 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old example, have the ability to save up to $738 every year by choosing larger deductibles on their policy. If you do make the decision to raise your deductibles, it’s a good idea to have additional funds in a savings account to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.