Who Has Affordable Car Insurance Quotes for a Subaru Outback in Sacramento?

Buying the cheapest car insurance for a Subaru Outback in California depends on many rating criteria such as how old the vehicle is, your credit status, and any prior driving citations you have received. Drivers in California will pay on average $1,165 each year for Outback insurance, but that is an approximation calculated based on a 40-year-old married female driver with full coverage and $500 deductibles.

It’s highly likely you may not be 40 years old (or even female), single instead of married, and you may just want the cheapest liability coverage you can find. Everyone has unique insurance needs, and this illustrates why the best way to find cheap auto insurance rates for your Subaru is to do a thorough rate comparison.

Find Cheaper Subaru Outback Insurance

The specific trim level will most likely have an effect on the coverage cost, so the price to insure a Outback 2.5I model will be $192 less than the cost to insure the high end Outback 3.6R Limited trim level, as shown in the prices below.

Subaru Outback Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $270 $374 $464 $28 $138 $1,274 $106
Outback 2.5I Premium $270 $454 $464 $28 $138 $1,354 $113
Outback 2.5I Limited $270 $454 $464 $28 $138 $1,354 $113
Outback 3.6R $270 $454 $464 $28 $138 $1,354 $113
Outback 3.6R Premium $270 $454 $464 $28 $138 $1,354 $113
Outback 3.6R Limited $300 $536 $464 $28 $138 $1,466 $122
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rates do not factor in vehicle location which can impact coverage prices significantly.

Best car insurance in Sacramento

Selecting the top car insurance provider can be a challenge considering how many companies provide coverage in Sacramento. The company ratings below may help you choose which car insurance providers to look at when shopping around.

These rankings only include companies that insure vehicles across America, so smaller regional companies are not included in this list. To get price quotes from these companies and more, click this link.

Top 10 Major Auto Insurance Providers in Sacramento Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Top 10 Major Auto Insurance Providers Overall in Sacramento

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

The illustration below shows how choosing a deductible can affect insurance costs when trying to find cheap insurance for a Subaru Outback. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

A 40-year-old driver could pocket $372 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $564 by choosing a $1,000 deductible. Young drivers, like the 20-year-old category, can cut $930 or more by choosing larger deductibles on their policy.

If you do raise deductibles, it is a good idea to have enough savings to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Should you buy full coverage?

Saving on car insurance should be important to most people, and an easy way to find cheap insurance for a Subaru Outback is to not insure for full coverage. The diagram below shows the difference between auto insurance rates with full physical damage coverage and with liability coverage only. The price estimates are based on no claims or driving violations, $100 deductibles, single marital status, and no discounts are taken into consideration.

If averaged for all ages, physical damage coverage costs $3,057 per year more than just buying liability only. Many of you may wonder if buying full coverage is worth the expense. There is no exact rule to stop buying physical damage insurance, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

How to find budget-friendly auto insurance for a Subaru Outback

It is possible to find better rates, and here are some of the recommended penny-pinching ideas that can help California drivers buy cheaper car insurance.

The last tip is particularly crucial, as was stressed in the article above. Auto insurance prices in Sacramento can be modified anytime, so drivers shouldn’t be resistant to change insurance companies if a better deal can be had. Brand loyalty is not necessarily bad, but we do not recommend it if that dedication is costing a small fortune year after year. Now is a great time to shop around to find cheaper car insurance for a Subaru Outback.

If you like to get some professional input when comparing insurance rates for an Outback, the agents below are a good start to aid you in deciding which auto insurance policy would work best for you.

To find an auto insurance agency near you, click the button link following the list or click here to get price quotes now.

Castro Property and Commercial Insurance
155 15th St cWest Sacramento, CA 95691(916) 482-9600

Ron Andre – State Farm Insurance Agent
394 Florin RdSacramento, CA 95831(916) 428-2918

Leland Insurance Agency
910 Florin Rd # 108Sacramento, CA 95831(916) 428-1309

Bates Insurance Agency | Auto Insurance and Homeowners Insurance and Car Insurance
2306 J StSacramento, CA 95816(916) 251-3548

Jack-Novicio Insurance Agency, Inc.
3400 Watt Ave #204Sacramento, CA 95821(916) 783-0000

More insurance agents in Sacramento, CA