Finding the cheapest coverage for a Subaru Outback in Texas can be pretty simple, but it depends on a lot of things such as driver age, the likelihood of vehicle theft, and driving violations and tickets. Drivers in Texas will pay on average $1,017 annually to insure their Outback, but that is a valuation using a 30-year-old married female driver with full coverage and $500 deductibles.
But there is a good chance that you are not 30 years old and maybe not even female, possibly single instead of married, and you might want liability-only or different deductibles. Even a slight difference in the criteria used to calculate rates can make a big difference in the cost of a policy.
Not every driver requires the same auto insurance coverages, so the way we recommend to find the cheapest rates for your Subaru is to do a thorough rate comparison.
Compare Subaru Outback Insurance Rates
The specific trim level has an effect on price, so the price to insure a Outback 2.5I trim level will be $170 cheaper than the price to insure the higher-priced Outback 3.6R Limited trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $262 | $322 | $388 | $24 | $116 | $1,112 | $93 |
| Outback 2.5I Premium | $262 | $392 | $388 | $24 | $116 | $1,182 | $99 |
| Outback 2.5I Limited | $262 | $392 | $388 | $24 | $116 | $1,182 | $99 |
| Outback 3.6R | $262 | $392 | $388 | $24 | $116 | $1,182 | $99 |
| Outback 3.6R Premium | $262 | $392 | $388 | $24 | $116 | $1,182 | $99 |
| Outback 3.6R Limited | $292 | $462 | $388 | $24 | $116 | $1,282 | $107 |
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase premiums substantially.
Finding decent, low-priced insurance is challenging, and determining which insurers offer the most affordable auto insurance rates for a Subaru Outback will require even more shopping around. Each insurance company has a different process for setting prices, so we need to take a look at the lowest cost auto insurance companies in Corpus Christi, TX.
Find Cheaper Auto Insurance for Your Subaru
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,247 |
| 4 | Germania Mutual | $1,282 |
| 5 | Esurance | $1,407 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,461 |
| 9 | Nationwide | $1,585 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,775 |
| 14 | GEICO | $2,093 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,324 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,646 |
| Find Your Rate Go | ||
Travelers offers some of the most affordable car insurance rates in Corpus Christi at around $1,041 a year. This is $863 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the lowest-priced Corpus Christi, TX insurance companies.
As depicted above, if you currently have a policy with Texas Farm Bureau and switched to Travelers, you could earn a yearly savings of approximately $206. Customers with Germania Mutual could save as much as $241 a year, and Esurance insureds might lower prices by up to $366 a year.
These policy prices are averages across all drivers and vehicles in Texas and do not factor in an exact vehicle garaging location for a Subaru Outback. So the car insurance company that can offer you the best rate may not even be in the list above. That points out the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.
Rate difference between full and liability-only coverage
Finding the cheapest auto insurance is important to most vehicle owners, and one common way to save on the cost of insurance for a Subaru Outback is to not buy comprehensive and collision coverage. The diagram below shows the difference between car insurance rates with liability coverage only compared to full coverage. The premiums are based on no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are applied.
Averaged for all ages 20 through 70, physical damage coverage costs an additional $2,888 per year more than just buying liability only. At some point, about every driver wonders if physical damage coverage is worth the money. There is no written rule to exclude physical damage insurance, but there is a broad guideline. If the annual cost of comprehensive and collision 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.
Chances are good that you’re overpaying for Outback insurance
Corpus Christi auto insurance rates are calculated based on many things that can increase the price you pay for coverage. Improving your credit score, having a teenage driver, or getting a couple of tickets may cause policy rate changes that may make certain companies much cheaper than others.
Not only may things change on your end, but auto insurance companies change rates every year or even multiple times each year to adjust for heavy claims or excess profits. Significantly higher losses may cause rate hikes, while a better loss history can result in lower-cost Outback insurance rates.
For instance, the graph below shows which companies have the cheapest car insurance in Corpus Christi, TX for a 40-year-old female driver with no prior accidents, a clean driving record, and good credit. When comparing rates based on her personal risk profile, Travelers might quote the cheapest car insurance rates in Corpus Christi at $1,089 a year. This is $815 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the cheapest Corpus Christi, TX auto insurance companies.
The example below compares rates after we give the driver from the first example an accident claim, a lower credit rating, and a couple of points charged on her driving record. Since every insurance provider uses a different method for filing rates in each state, analyzing rates may now result in a new list of the cheapest car insurance companies in Corpus Christi as shown below.
State Farm now has the lowest price in Corpus Christi with Mercury, Nationwide, Safe Auto, and USAA also being competitive. This demonstrates why it is critical to take the time to shop around when trying to find cheap insurance rates for a Subaru Outback.
Auto insurance prices are influenced by many factors and can decrease or increase without notice, so the best company the last time you shopped your coverage around may now be priced much higher than other options.