Finding competitive coverage for a Subaru Outback in Pennsylvania hinges on a complex formula that considers things such as whether you are married or single, your credit rating, and the level of deductible you choose. Drivers in Pennsylvania pay approximately $771 per year for Outback insurance, but that is an approximation based upon a 30-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.
When making auto insurance estimates, the issue arises that you’re not a 30-year-old male, you might be single instead of married, or maybe you prefer liability limits higher than required by Pennsylvania state law. Everyone has unique insurance needs, and this illustrates why the best way to find the cheapest insurance price for your Subaru is to compare rates from as many companies as possible.
Cheapest Subaru Outback Insurance Rates
The trim level of your vehicle impacts the yearly cost, so the rate you will pay to insure a Outback 2.5I will cost $116 less than the price to insure the more well-appointed Outback 3.6R Limited model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $178 | $222 | $330 | $20 | $98 | $848 | $71 |
| Outback 2.5I Premium | $178 | $270 | $330 | $20 | $98 | $896 | $75 |
| Outback 2.5I Limited | $178 | $270 | $330 | $20 | $98 | $896 | $75 |
| Outback 3.6R | $178 | $270 | $330 | $20 | $98 | $896 | $75 |
| Outback 3.6R Premium | $178 | $270 | $330 | $20 | $98 | $896 | $75 |
| Outback 3.6R Limited | $198 | $318 | $330 | $20 | $98 | $964 | $80 |
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in vehicle location which can increase or decrease coverage rates substantially.
Shopping around for low-cost car insurance is easier said than done, and deciding which companies quote the most affordable car insurance rates for a Subaru Outback calls for even more perseverance. Each insurer uses their own calculation to set premium rates, so let’s begin by taking a look at the most budget-friendly car insurance companies in Philadelphia.
It’s important that readers know that Philadelphia, PA car insurance rates are based on many factors which can substantially decrease or increase the price of coverage. Improving your credit rating, buying a home, or getting a DUI can cause premium changes that can make some companies higher-priced than before.
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General Casualty normally has some of the best car insurance rates in Philadelphia at around $748 annually. Travelers, Erie, USAA, and Penn National also rank well as some of the most economical Philadelphia, PA insurance companies.
In this example, if you are insured with USAA and switched to Travelers, you may see savings of around $14. Pennsylvania drivers with Penn National might save as much as $29 a year, and Auto-Owners customers might see rate reductions of $170 a year.
Remember that these estimates are averaged for all types of insureds and vehicles and do not take into consideration an exact vehicle garaging location for a Subaru Outback. So the auto insurance company that fits your needs best may not even be in the top 30 companies in the list above. That helps illustrate why you need to compare rates from multiple companies using your own specific driver information and vehicle.
The information below illustrates how choosing a deductible can influence annual premium costs when searching for cheap insurance for a Subaru Outback. The prices are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
In the chart above, a 40-year-old driver could lower their car insurance rates by $244 a year by increasing from a $100 deductible up to a $500 deductible, or save $372 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 chart data, have the ability to save as much as $608 or more by choosing a larger deductible amount. When using a larger deductible, it will be important to have additional savings on hand to satisfy the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Your cheap Outback insurance may actually be overpriced
Philadelphia, PA car insurance rates are calculated based on many things that may substantially change the policy price. Improving your credit rating, increasing liability limits, or getting a ticket for careless driving can produce rate changes resulting in some rates now being much cheaper than others.
Not only may your situation change, but insurers file new Pennsylvania car insurance rates as often as every quarter in order to maintain liquidity for claims. An extended period of higher than normal claims may cause price increases, while profitable underwriting may cause lower-cost Outback insurance rates.
The graph below shows the company with the cheapest car insurance in Philadelphia, PA for a 35-year-old male driver with a clear driving record, no claims, and good financial standing. If we look at prices based on his personal risk profile, General Casualty might offer the most affordable car insurance rates in Philadelphia at $1,701 annually. This is $44 more than the average premium paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National are also included in the best Philadelphia, PA auto insurance companies.
The chart below compares rates after we give the driver from above a claim, a lower credit rating, and a few traffic violations. Since every insurance provider has a proprietary formula for determining rates, analyzing rate quotes may now present a substantially altered list of cheap Philadelphia auto insurance companies as shown below.
Amica now has the best insurance rate in Philadelphia, PA with Atlantic States, Travelers, Erie, and Donegal Mutual now rounding out the top five. This shows why consumers need to compare as many rates as possible when trying to get the most affordable insurance quotes for a Subaru Outback.
Insurance prices are influenced by many factors and can decrease or increase without notice, so the most affordable company when you last compared rates may now be quite expensive.
How to find budget-friendly car insurance for a Subaru Outback
The list below shows some of the recommended money-saving solutions that can help Philadelphia drivers get cheaper coverage.
- Buy vehicles with five-star safety ratings
- Good credit can save money
- Violations like speeding or DUI increase rates
- Drop full coverage on older vehicles
- Increase the comprehensive and collision deductibles on your policy
- Do not get into accidents
- Compare rates once a year for cheaper prices
The final tip is certainly valuable, as we pointed out in the prior article. Prices in Philadelphia fluctuate constantly, so don’t be tentative to change insurance companies if you find a cheaper price.
Having brand loyalty is commendable, but it’s not recommended if it’s costing you a lot of money. It only takes a couple minutes to compare rates and find cheaper car insurance for a Subaru Outback.