Subaru Outback insurance policy image courtesy of QuoteInspector.com
Finding competitive insurance for a Subaru Outback is dependent upon a pretty complex algorithm that uses a lot of factors such as miles driven annually, whether or not you garage your vehicle, and the deductible amount you use. Georgia drivers pay on average $1,229 each year for Outback insurance, but that is an approximation based on a 50-year-old single male driver with full coverage and $250 deductibles.
If we were betting, you aren't exactly 50 years old or even a male, maybe you are married instead of single, and you need different coverage limits than the sample rates. This demonstrates why the best way to find the cheapest coverage for your Subaru is to compare rates from as many companies as possible.
The trim level of your Subaru will likely have an effect on the insurance rate, so the cost to insure a Outback 2.5I model will cost $220 less than the price to insure the fancier Outback 3.6R Limited version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outback 2.5I Premium||$296||$528||$444||$26||$134||$1,428||$119|
|Outback 2.5I Limited||$296||$528||$444||$26||$134||$1,428||$119|
|Outback 3.6R Premium||$296||$528||$444||$26||$134||$1,428||$119|
|Outback 3.6R Limited||$328||$622||$444||$26||$134||$1,554||$130|
|Get Your Own Custom Quote Go|
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate quotes do not factor in vehicle location which can influence rates substantially.
Buying coverage from the top insurance company is difficult considering how many companies sell coverage in Georgia. The information shown next can help you select which auto insurers you want to consider when comparing rate quotes.
The rankings below are only made up of the largest auto insurers in America, so smaller companies that only insure vehicles in Georgia are not taken into consideration for this list. To check prices from these and other top-rated companies, click here.
Top 10 Large Auto Insurers in Atlanta Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Drive responsibly or pay higher rates
One of the best ways to earn the most affordable insurance prices for an Outback is to be a careful driver and have a clean driving record. The diagram below demonstrates how traffic citations and at-fault claims can influence auto insurance costs for each different age group. The rates are based on a single male driver, full coverage, $500 deductibles, and no discounts are factored in.
In the chart above, the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,231. Add in one speeding ticket and the average cost increases to $2,515, an increase of $284 each year. Then throw in two accidents along with the one speeding ticket and the annual cost of insurance for a Subaru Outback goes up to an average of $5,039. That's an increase of $2,808, or $234 per month, just for a couple of infractions!
How to get discounts on Atlanta car insurance
Insurance companies that provide coverage for a Subaru Outback may additionally offer price discounts that can reduce rates by 25% or more if you meet certain criteria. A list of insurance companies and some of the discounts are included below.
- State Farm offers discounts for accident-free, safe vehicle, driver's education, good student, multiple autos, and Drive Safe & Save.
- GEICO discounts include emergency military deployment, defensive driver, anti-theft, multi-vehicle, good student, air bags, and multi-policy.
- Progressive has discounts for multi-policy, multi-vehicle, continuous coverage, online signing, homeowner, good student, and online quote discount.
- 21st Century may have discounts that include teen driver, student driver, theft prevention, driver training, air bags, automatic seat belts, and homeowners.
- American Family policyholders can earn discounts including accident-free, Steer into Savings, good student, good driver, and bundled insurance.
- The Hartford has savings for anti-theft, bundle, air bag, good student, vehicle fuel type, defensive driver, and driver training.
- AAA includes discounts for multi-car, anti-theft, multi-policy, AAA membership discount, education and occupation, and good driver.
The diagram below illustrates the difference between insurance premiums with and without policy discounts. Data assumes a male driver, no claims or driving citations, Georgia state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with defensive driving course, accident-free, multiple policy, safe-driver, marriage, and homeowner discounts applied. When discounts are applied, the average savings per year on insurance for a Subaru Outback is 28% or $554.
Your cheap Outback insurance may actually be overpriced
Atlanta, GA insurance rates are impacted by many factors which can significantly increase or decrease the price of coverage. Simply improving your credit, moving to a new city, or getting a driving violation can trigger rate changes that may make certain companies cheaper in comparison to the competition. Not only may your risk profile change, but insurers change rates every year or even multiple times each year as an adjustment for underwriting gains or losses. Unexpectedly high claims may cause increased rates, while a better claims history may result in cheaper Outback insurance rates.
For example, the data below analyzes the cheapest car insurance in Atlanta, GA for a 40-year-old male driver with no accidents, a clean driving record, and a decent credit rating. When comparing rates based on his personal risk profile, Auto-Owners quotes the cheapest car insurance rates in Atlanta at $1,195 per year. This is $334 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are also on the list of the best Atlanta, GA auto insurance companies.
The example below compares rates after we give the driver in the first chart a couple of claims, bad credit, and a few blemishes on his driving record. Since each auto insurer has their own unique process for determining prices, comparing insurance quotes will most likely result in a new list of companies as shown below.
The Hartford now has the cheapest rate in Atlanta with Travelers, Mercury, State Farm, and Safeco completing the list. This example shows why drivers need to perform a complete rate comparison when trying to get the most budget-friendly insurance quotes for a Subaru Outback. Insurance prices are determined by many things and change frequently, so the cheapest company six months ago may now be quite expensive.
How to find low-cost auto insurance for a Subaru Outback
The list below details some of the recommended thrifty suggestions that can help you quote cheap car insurance.
- Improve your credit
- Do not get into accidents
- Raise comprehensive and collision coverage deductibles
- Avoid getting tickets or violations
- Get cheaper liability coverage by choosing a safer vehicle
- Compare rates often to find the best deal
That final tip is especially significant, as we discussed in the prior article. Car insurance prices in Atlanta change constantly, so don't be unwilling to change to a new company if a better rate can be found.
Having a favorite company is great, but it's not a good idea if it's costing you a lot of money. If you have a few minutes, compare rates and find cheaper auto insurance for a Subaru Outback.