Finding cheaper coverage for a Subaru Outback in Texas is pretty easy for most people to do, but it hinges on an enormous amount of rating factors such as when you were born, whether or not you have prior claims, and whether or not you are a good driver. Texas drivers pay on average $1,463 each year for Outback insurance, but that is an estimation calculated based on a 40-year-old single female driver with full comprehensive and collision coverage and $100 deductibles.
But there is a good chance that you aren’t exactly 40 years old or even a female, maybe you are married instead of single, or you just prefer to insure for liability only. There is no one cookie-cutter policy that works for everyone, so the best way to find cheap car insurance rates for your Subaru is to compare as many rates as possible. It only takes a couple of minutes and you will get price quotes from top-rated car insurance companies that offer coverage in Texas.
The specific trim level has an effect on the annual cost of coverage, so the price you pay to insure a Outback 2.5I trim level will be $278 lower than the cost to insure the higher-end Outback 3.6R Limited trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $356 | $550 | $496 | $30 | $148 | $1,580 | $132 |
| Outback 2.5I Premium | $356 | $670 | $496 | $30 | $148 | $1,700 | $142 |
| Outback 2.5I Limited | $356 | $670 | $496 | $30 | $148 | $1,700 | $142 |
| Outback 3.6R | $356 | $670 | $496 | $30 | $148 | $1,700 | $142 |
| Outback 3.6R Premium | $356 | $670 | $496 | $30 | $148 | $1,700 | $142 |
| Outback 3.6R Limited | $396 | $788 | $496 | $30 | $148 | $1,858 | $155 |
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rate quotes do not factor in your specific Fort Worth location which can influence rates significantly.
Finding a highly-rated insurance provider is hard considering how many companies are available to choose from in Fort Worth. The company ratings shown below may help you select which companies you want to consider when trying to find cheaper insurance for a Subaru Outback.
These rankings include companies with a nationwide focus, so companies without a large exposure are not factored into the list. If you wish to compare rates and find cheaper insurance for a Subaru Outback, just click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
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Data Source: Insure.com Best Car Insurance Companies
Discounts on Fort Worth auto insurance rates
Auto insurance companies that offer quotes for a Subaru Outback may provide rate discounts that can reduce rates by as much as 25% or more if you meet specific eligibility requirements. A list of companies and the discounts they provide are included below.
- State Farm discounts include driver’s education, good student, Steer Clear safe driver discount, accident-free, defensive driving training, and passive restraint.
- GEICO may include discounts for good student, air bags, five-year accident-free, military active duty, and daytime running lights.
- Progressive has savings for continuous coverage, online quote discount, good student, homeowner, online signing, and multi-vehicle.
- 21st Century policyholders can earn discounts including driver training, 55 and older, theft prevention, air bags, defensive driver, and good student.
- American Family may offer discounts for mySafetyValet, early bird, multi-vehicle, defensive driver, and bundled insurance.
- The Hartford may have discounts that include vehicle fuel type, defensive driver, good student, driver training, and air bag.
- AAA includes discounts for AAA membership discount, multi-car, anti-theft, pay-in-full, good driver, education and occupation, and good student.
The example below compares auto insurance costs with and without discounts applied to the policy rates. The costs are based on a male driver, no claims or violations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with safe-driver, vehicle safety, homeowner, claim-free, multiple vehicle, and marriage discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on insurance for a Subaru Outback is 28% or $668.
The example below illustrates how your choice of deductibles can affect insurance prices when researching cheap insurance for a Subaru Outback. The information is based on a married male driver, full physical damage coverage, and no discounts are factored in.
In the chart above, a 40-year-old driver could save $382 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $578 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old example, could shave $1,270 or even more just by choosing larger deductibles. If you do make the decision to raise your deductibles, it is important to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
How to find budget-friendly auto insurance for a Subaru Outback
Lowering your rates is not difficult, and here are some penny-pinching solutions that can help drivers quote cheap auto insurance.
- Home or renters coverage can save on auto insurance
- Vehicles with good safety ratings are usually cheaper to insure
- Drivers with good credit ratings often pay less
- Remove physical damage coverage on older vehicles
- Avoid accidents and claims
- Keep rates low by shopping around frequently
That last tip is notably critical, as was discussed in the prior information. Insurance rates go up and down frequently, so don’t be tentative to switch companies if a more affordable price is available. Many drivers tend to have loyalty to a certain company, but it’s not a good idea if it’s costing you a lot of money every month. Take a couple minutes and compare rates and find cheaper insurance for a Subaru Outback in Fort Worth.
If you aren’t sure which coverage to buy and prefer to have a consultation when trying to find the best insurance rates for an Outback, the agents below can help you make a decision which coverage fits your budget. To locate an agency closest to you, click the button at the bottom of the list.
Nationwide Insurance: The Jeter Agency
6650 N Beach St Ste 118 – Fort Worth, TX 76137 – (817) 788-8620
Gary Gilmore – State Farm Insurance Agent
9324 Clifford St #106 – Fort Worth, TX 76108 – (817) 367-6106
State Farm Insurance – Larry Wilkerson
8651 John T White Rd #103 – Fort Worth, TX 76120 – (817) 795-1196