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

Finding the cheapest coverage for a Subaru Outback in Arizona depends on a lot of things such as your age, the likelihood of your vehicle being stolen, and the level of deductible you choose. Drivers pay approximately $829 per year to insure their Outback, but that is an estimate based on a 30-year-old single male driver with full coverage and $1,000 deductibles.

It’s more than likely you may not be 30 years old (or even male), you might be married instead of single, and you don’t want the same coverages and limits as the example. Just a minor difference in rating criteria could end up with a large change in the price of a policy.

This shows why the only real way to find the cheapest coverage for your Subaru is to compare as many rates as possible.

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The trim level of your vehicle has an effect on price, so the rate you pay to insure a Outback 2.5I will be $110 less than the insurance cost for the more well-appointed Outback 3.6R Limited model, as shown in the prices below.

Subaru Outback Insurance Rates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $184 $202 $392 $24 $118 $920 $77
Outback 2.5I Premium $184 $246 $392 $24 $118 $964 $80
Outback 2.5I Limited $184 $246 $392 $24 $118 $964 $80
Outback 3.6R $184 $246 $392 $24 $118 $964 $80
Outback 3.6R Premium $184 $246 $392 $24 $118 $964 $80
Outback 3.6R Limited $206 $290 $392 $24 $118 $1,030 $86
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in Phoenix location which can modify auto insurance rates noticeably.

Figuring out which company has the best car insurance rates for a Subaru Outback calls for more time in order to find the best policy. Each insurance company uses their own method to determine premium rates, so we’ll take a look at the car insurance companies that tend to be cheaper in Phoenix.

It’s a good idea to know that Arizona car insurance rates are influenced by many factors which can significantly increase or decrease the price of coverage. Improving your credit rating, getting married, or getting a few speeding tickets may prompt premium changes resulting in some rates now being more affordable than the competition.

Cheapest Insurance Rates for Your Subaru

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Who has the cheapest car insurance in Arizona?
Rank Company Cost Per Year
1 The Hartford $836
2 Auto-Owners $888
3 Safeco $896
4 USAA $1,113
5 Travelers $1,119
6 GEICO $1,131
7 Progressive $1,164
8 Ameriprise Group $1,172
9 CSAA $1,177
10 Allied $1,209
11 Farm Bureau Mutual $1,297
12 Unitrin $1,303
13 Safe Auto $1,323
14 Farmers $1,337
15 State Farm $1,364
16 Amica $1,429
17 American Family $1,435
18 Titan $1,476
19 California Casualty $1,506
20 Safeway $1,554
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The Hartford quotes some of the cheapest car insurance rates in Phoenix at around $836 per year. This is $592 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers would also make the list of some of the more affordable Phoenix, AZ auto insurance companies.

As shown in the table above, if you currently have coverage with Safeco and switched to The Hartford, you could earn a yearly price reduction of around $60. Policyholders with USAA could save as much as $277 a year, and Travelers policyholders might cut rates by $283 a year.

To compare your rates to other Arizona insurance companies, click here to start your free quote or visit any of the low-priced companies below.

Remember that these prices are averaged across all types of insureds and vehicles and do not take into consideration an exact zip code location for a Subaru Outback. So the insurer that is best for you may not even be in the top 28 companies in the list above. That affirms the importance of why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

Liability rates compared to full coverage

Reducing the cost of car insurance is probably important to most people, and one good way to buy cheaper insurance for a Subaru Outback is to not insure for full coverage. The information below shows the comparison of auto insurance rates with full coverage compared to only the Arizona minimum liability coverage. The premium estimates are based on no claims or driving violations, $500 deductibles, drivers are single, and no other discounts are factored in.

Averaged out for all age groups, physical damage coverage on your policy costs $1,706 per year more than just buying liability only. That is a large expense and it proposes the question if you should buy full coverage. There is no specific rule that is best for determining when to drop physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s say your vehicle’s book value is $11,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $10,000 after paying your policy deductible. If premium cost is more than $1,000 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

The example below demonstrates how deductible levels can influence insurance prices when quoting cheap insurance for a Subaru Outback. The price estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

As shown above, a 40-year-old driver could cut expenses by $254 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $384 by selecting a $1,000 deductible. Even younger drivers, like the Age 20 category, can save as much as $630 or more by choosing larger deductibles on their policy. When choosing a higher deductible, it is essential to have enough funds in savings to enable you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Rate increases following a ticket or accident

The ideal way to score affordable car insurance premiums in Arizona for an Outback is to be an attentive driver and avoid accidents and traffic citations. The illustration below shows how speeding tickets and at-fault accidents can raise annual premium costs for different age groups. The information is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

The data above shows the average cost of car insurance in Arizona per year with no accidents and a clean driving record is $1,164. Add in one speeding ticket and the average cost swells to $1,358, an increase of $194 each year. Then throw in one accident along with the one speeding ticket and the yearly cost of car insurance for a Subaru Outback goes up to an average of $1,892. That’s an increase of $728, or $61 per month, just for not being more responsible behind the wheel!

If you have coverage questions and would like to get help from a professional when comparing insurance rates for a Subaru Outback, the agents listed below are willing to answer your questions and help you decide which auto insurance policy would work best for you. To find an auto insurance agency close to you, click the link after the list or click here to get price quotes now.

Brian Stevens – State Farm Insurance Agent
21043 N Cave Creek Rd A12Phoenix, AZ 85024(602) 569-6600

Jacob Rosell – State Farm Insurance Agent
2218 N 24th StPhoenix, AZ 85008(602) 267-8200

State Farm: Mat Herseth
751 E Union Hills Dr #A9, Phoenix 85024751 E Union Hills Dr #A9, AZ 85024(602) 788-6700

Chris Bolton – State Farm Insurance Agent
1630 N 7th StPhoenix, AZ 85006(602) 252-1330

Jerry Wood – State Farm Insurance Agent
3738 E Thomas RdPhoenix, AZ 85018(602) 955-3284

View more Phoenix, AZ insurance agents