Buying cheaper car insurance for a Subaru Outback in Texas can be really easy, but it depends on many rating factors such as how long your commute is, if you have a tendency to file claims, and blemishes on your driving record. Texas drivers pay around $882 per year to insure their Outback, but that cost is a projection calculated based on a 40-year-old married female driver with full physical damage coverage and $1,000 deductibles.
Odds are that you may not be 40 years old (or even female), maybe you are single instead of married, or maybe you prefer liability limits higher than required by Texas state law. Having just a slight change in policy rating criteria or coverages can result in a big discrepancy in the cost of insuring your Outback.
There is no one cookie-cutter policy that works for everyone, so the only way to find the cheapest coverage for your Subaru is to do your own rate comparisons. Get a free quote now and you will receive prices from top-rated car insurance companies that insure Subaru vehicles in Texas.
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The specific trim level tends to impact the annual cost of coverage, so the cost to insure a Outback 2.5I model will be $128 less expensive the cost to insure the fancier Outback 3.6R Limited model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $176 | $252 | $400 | $24 | $120 | $972 | $81 |
| Outback 2.5I Premium | $176 | $306 | $400 | $24 | $120 | $1,026 | $86 |
| Outback 2.5I Limited | $176 | $306 | $400 | $24 | $120 | $1,026 | $86 |
| Outback 3.6R | $176 | $306 | $400 | $24 | $120 | $1,026 | $86 |
| Outback 3.6R Premium | $176 | $306 | $400 | $24 | $120 | $1,026 | $86 |
| Outback 3.6R Limited | $196 | $360 | $400 | $24 | $120 | $1,100 | $92 |
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in your specific Laredo location which can revise prices noticeably.
Establishing which companies offer the best insurance rates for a Subaru Outback will require more time in order to find the best price. Every auto insurer uses a little different formula for setting prices, so let’s take a look at the insurance companies with the overall cheapest rates in Texas.
It’s important to understand that Texas insurance rates are influenced by many factors that will increase or decrease the policy price. Getting older, getting divorced, or getting a speeding ticket can trigger price changes that can now make some companies cheaper in comparison to the competition.
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Travelers may have some of the best car insurance rates in Laredo at around $1,052 a year. This is $852 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the cheaper Laredo, TX insurance companies.
In the above rates, if you have coverage with Germania Mutual and switched to USAA, you may see an annual premium reduction of approximately $187. Policyholders with Esurance might save as much as $284 a year, and California Casualty customers might reduce rates by $287 a year.
To see how much you can save, click here to get a free quote or click through to the companies below.
Understand that those premium estimates are averaged across all insureds and vehicles and and are not calculated with an exact zip code location for a Subaru Outback. So the car insurance company that is best suited for you may not even be in the top 23 companies in the list above. That affirms the importance of why you need to get auto insurance quotes using your own driver and vehicle profiles.
Safe drivers pay less for insurance
In a perfect world, the best way to snag good insurance premiums in Texas for an Outback is to be a good driver and avoid accidents and violations. The diagram below shows how speeding tickets and at-fault claims can affect car insurance costs for each different age category. The premiums assume a single female driver, full coverage, $100 deductibles, and no policy discounts are applied.
In the chart above, the average cost of an auto insurance policy in Texas per year with a clean driving record and no accidents is $2,502. Add in one speeding ticket and the average cost surges to $2,834, an increase of $331 each year. Then add one accident along with the one speeding ticket and the annual cost of insurance for a Subaru Outback increases to an average of $3,769. That’s an increase of $1,266, or $106 per month, just for not keeping your driving record clean!
Why you should be shopping around
Laredo insurance rates are determined by lots of factors that may substantially change the cost of having a policy. Simply having another birthday, adding a teenager to your policy, or getting a driving violation can trigger rate changes that can make some companies much cheaper than others. Also, auto insurance companies change their prices as needed in order to be able to pay unexpected claims. Larger than normal claims may result in price increases, while a better claims history can cause lower-cost Outback insurance rates.
To illustrate this example, the data below shows which companies have the cheapest car insurance in Laredo, TX for a 35-year-old female driver with a good driving record, no prior claims, and a good credit rating. When quoting prices based on her current risk profile, Travelers has the best car insurance rates in Laredo at $1,335 annually. This is $569 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the best Laredo, TX auto insurance companies.
The next chart shows rates after we give the driver in the first example an at-fault accident, a lower credit rating, and a speeding ticket. Because each insurer has their own guidelines for setting rates, getting updated rate quotes may now show a significantly different list of companies as shown below.
State Farm now has the best price in Laredo with Mercury, USAA, Safe Auto, and Nationwide completing the list. This example demonstrates why it is crucial to compare rates to get the cheapest auto insurance quotes for a Subaru Outback. Rates are determined by many things and can increase or decrease at any time, so the cheapest option a year ago may now be costing you a lot of money.