Buying cheap coverage for a Subaru Outback in Florida hinges on an enormous amount of rating factors such as the age of the Outback, whether or not you garage your vehicle, and your driving record. Florida drivers will pay around $1,279 per year for Outback insurance, but that cost is an estimate based upon a 50-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
When projecting a rate like this, the problem is that you are not 50 years old and maybe not even female, possibly married instead of single, or you just want cheap liability insurance instead of full coverage. Having just a slight change in the rating criteria used to formulate rates could result in a significant change in the policy rate.
Different coverage needs are the reason why the only real way to find the most affordable coverage for your Subaru is to just compare rates yourself. It only takes a couple of minutes and you will receive price comparisons from top-rated companies in Florida.
Cheapest Subaru Outback Insurance Rates
The specific model of Outback will have an impact the cost of coverage, so the price to insure a Outback 2.5I will be $226 cheaper than the cost to insure the higher-priced 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 | $312 | $438 | $472 | $28 | $142 | $1,392 | $116 |
| Outback 2.5I Premium | $312 | $532 | $472 | $28 | $142 | $1,486 | $124 |
| Outback 2.5I Limited | $312 | $532 | $472 | $28 | $142 | $1,486 | $124 |
| Outback 3.6R | $312 | $532 | $472 | $28 | $142 | $1,486 | $124 |
| Outback 3.6R Premium | $312 | $532 | $472 | $28 | $142 | $1,486 | $124 |
| Outback 3.6R Limited | $348 | $628 | $472 | $28 | $142 | $1,618 | $135 |
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Information does not factor in specific location which can affect premiums significantly.
Buying coverage from a high-quality insurance provider can be difficult considering how many choices you have in Florida. The company rank data listed below can help you select which companies to look at when shopping around.
The rankings below are for large, nationwide insurance companies, so companies that have a smaller presence are not taken into consideration for this list. To compare rates and find cheaper insurance for a Subaru Outback, just click here.
Top 10 Major Car Insurance Companies Overall in Tampa
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Major Car Insurance Companies in Tampa Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Get discount Tampa insurance
Insurance companies that offer quotes for a Subaru Outback could also offer policy discounts that could lower prices by 35% or more if you can meet the requirements. Companies and the discounts they provide are outlined below.
- State Farm may include discounts for driver’s education, multiple policy, Steer Clear safe driver discount, good driver, and safe vehicle.
- Farmers Insurance may offer discounts for good student, distant student, multi-car, alternative fuel, homeowner, teen driver, and business and professional.
- Progressive offers discounts including online quote discount, good student, multi-vehicle, multi-policy, homeowner, and continuous coverage.
- GEICO policyholders can earn discounts including seat belt use, federal employee, daytime running lights, defensive driver, good student, and five-year accident-free.
- Auto-Owners Insurance discounts include group or association, paperless, air bags, multiple vehicles, multi-policy, good student, and paid in full.
- The Hartford has savings for good student, driver training, vehicle fuel type, air bag, and bundle.
- Farm Bureau offers discounts for good student, youthful driver, driver training, safe driver, renewal discount, and 55 and retired.
- USAA offers premium reductions for vehicle storage, new vehicle, multi-policy, defensive driver, and family discount.
The information below visualizes the comparison of insurance costs with and without discounts applied to the rates. The prices are based on a male driver, no violations or claims, Florida state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with marriage, multiple policy, multiple vehicle, accident-free, safe-driver, and anti-theft discounts applied. When discounts are factored in, the average savings per year on auto insurance for a Subaru Outback is 28% or $797.
Compare quotes and save
Tampa, FL auto insurance rates are influenced by many factors which can substantially change the price of your policy. Turning one year older, getting married, or getting into an accident can produce rate changes that can make some companies cheaper than others. Additionally, car insurance companies change rates every year in order to be able to pay unexpected claims. Larger than normal claims may cause a rate increase, while lower claim expenses may result in cheaper Outback insurance rates.
For instance, the bar chart below shows a variety of companies that have the cheapest car insurance in Tampa, FL for a 40-year-old female driver with a clean driving record, no accidents, and excellent credit. Based on her current risk factors, USAA may offer the best car insurance rates in Tampa at $1,487 per year. This is $961 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are the remainder of the cheapest Tampa, FL auto insurance companies.
Let’s now give the driver from the first rate comparison some claims, bad credit, and a speeding citation. Because every insurance company has a different process for determining rates, analyzing rates may now present a completely different list of companies as shown below.
USAA now has the best insurance rate in Tampa, FL with Allied, Esurance, State Farm, and Auto-Owners completing the list. This example shows why it is important to do a thorough rate comparison when trying to find the lowest insurance quotes for a Subaru Outback. Insurance prices are determined by many risk factors and can increase or decrease at any time, so the best company the last time you compared rates may now be one of the higher cost companies.
How to find the cheapest car insurance for a Subaru Outback
Here are some thrifty suggestions that can help you get lower-cost coverage.
- Drivers with good credit often pay less
- Drive attentively and avoid accidents
- Ensure your driving record is clean
- Increase your physical damage deductibles
- Home or renters coverage can save on auto insurance
- Avoid price increases by not filing claims
- Shop around for cheaper prices
That last idea is extraordinarily valuable, as was noted in this piece. Car insurance prices can change in a short period of time, so drivers shouldn’t hesitate to buy from a different company if you find a cheaper price.
Sticking with a specific company is fine, but is isn’t recommended if that faithfulness ends up costing you money that could be going to better use. Now is a great time to compare prices and find cheaper auto insurance for a Subaru Outback in Tampa.