Who Has the Cheapest Insurance for a Subaru Outback in Utah?

Because the topic is car insurance, the word “cheap” really should not be used anywhere in the article as a descriptor for car insurance rates. Please forgive the oxymoron, but cheap auto insurance for a Subaru Outback just does not exist. But don’t let that discourage you, because we will teach you how you can find and buy car insurance that is easy on your budget.

The odds of finding the best cheap insurance for a Subaru Outback in Utah is dependent upon a whole bunch of rating criteria such as the safety features of your vehicle, whether or not you have had gaps between policies, and if you had any at-fault accidents in the last few years. Drivers in Utah on average will pay $1,010 every 12 months for Outback insurance, but that figure is based on rate data for a 40-year-old single male driver who requires full coverage including both comprehensive and collision and $100 policy deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not exactly 40 years old and possibly not even male, possibly married instead of single, or maybe you just want liability only instead of full coverage. Making even small differences in the criteria used to calculate rates can induce significant differences in how much coverage for a Subaru Outback costs.

There is no one cookie-cutter policy that works for everyone, so the only way to find cheap car insurance rates for your Subaru is to get into the habit of comparing rates once a year.

Save Now on Outback Insurance

The trim level of your Subaru tends to have a direct effect on the coverage cost, so the price you pay to insure a Outback 2.5I will be $200 cheaper than the insurance cost for the fancier Outback 3.6R Limited model, as shown in the prices below.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Utah minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Prices do not factor in specific location which can impact rates significantly.

Finding the right auto insurance provider is hard considering how many companies sell coverage in Utah. The company information listed below can help you decide which auto insurance companies you want to consider when shopping your coverage around. The rankings below include companies with a nationwide focus, so smaller companies are not included in this list.

Discount Utah auto insurance rates

Car insurance companies that offer the cheapest insurance for a Subaru Outback in Utah may provide price discounts that could lower prices by 35% or more if you meet eligibility requirements. A few of the larger companies and their possible discounts are outlined below.

The example below compares insurance rates with and without discounts applied to the rates. The prices are based on a female driver, no claims or driving violations, Utah state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, homeowner, multiple vehicle, marriage, claim-free, and passive restraint discounts applied. When these discounts are applied, the average savings per year on car insurance for a Subaru Outback is % or $.

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Comparison of full coverage and liability-only policies

Finding the cheapest insurance for a Subaru Outback in Utah is the goal of the majority of people, and one of the quickest ways to find cheap insurance is to not buy full coverage. The chart below shows the difference between auto insurance rates when comparing full coverage to liability only. The rate quotes are based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 2293,957],[‘Age 30’, 1221,527],[‘Age 40’, 1183,489],[‘Age 50’, 1085,459],[‘Age 60’, 1051,451],[‘Age 70’, 1301,601]]);var options = {title: ‘Full Coverage Compared to Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Outback in Utah’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged out for all age groups, physical damage coverage on your policy costs $1,356 per year over liability only. At some point, about every driver wonders if paying for full coverage is worth it. There is no specific rule of when to drop full coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

Best rates: Progressive, State Farm, Allstate, or Geico

When it comes to insurance for an Outback in Utah, probably the best companies to start with are Progressive, State Farm, Allstate, and Geico. All four can cover your vehicle for liability and physical damage, but each one has different options that may affect your buying decision. The next table shows ratings for price and service, as well as some optional coverages offered by each company.

Who has the cheapest Subaru Outback insurance quotes?

Drivers have many ways to purchase car insurance in Utah, but the most frequently used are either through an independent agent, a captive (or exclusive) agency like State Farm or Liberty Mutual, or direct online or over the phone from a company like Geico or Progressive. Each way is similar, but each is slightly different in how they provide price quotes.

Independent insurance agents are appointed by several companies and can get rate quotes from all of them. These types of agents can quote with many companies and give you more rate choices, which may give you the best shot at cutting your rates. If you want to switch companies, they simply switch companies in-house and you don’t have to switch agencies.

An exlusive, or captive, agency is usually just provide rates from a single company, two examples are State Farm and Allstate agents. Exclusive agents cannot provide rate quotes from other companies, so if their prices are high, they cannot shop around.

Opting to purchase car insurance direct means you bypass a local agent and buy from a direct company like Geico. Shopping direct may be good for drivers who have little risk and understand what car insurance covers and what it doesn’t.

Out of those three methods, which one works best to find the cheapest insurance for a Subaru Outback in Utah? We would first guess that buying direct results in the best prices since that prevents the need to pay agent commissions, but that turns out to not be true. A good argument could also be made that buying from an independent agent is the best way to go since they can provide multiple quotes, but that is not accurate either. For some people, exclusive agencies have really good rates that are well below what direct and independents offer.

Since car insurance companies use so many rating factors, the only true way to make sure you’re not overpaying for car insurance is to compare, compare, and compare some more. It’s a good idea to get prices from all three to get an idea of which is cheapest. For a list of companies offering online discounts in Utah, click here to view.