Best Cheap Insurance Quotes for a Subaru Outback in Ohio

Buying the cheapest car insurance for a Subaru Outback in Ohio hinges on an enormous amount of rating factors such as age of the vehicle, the insurance company you are currently insured with, and citations on your driving record. Drivers pay on average $940 a year to insure an Outback, but that price is an estimation that uses rate data for a 30-year-old single female driver who needs full coverage and $100 policy deductibles.

It’s highly likely you are not a 30-year-old female, maybe you are married instead of single, and you may just want the cheapest liability coverage you can find. What people think is a minor change in policy rating factors can result in a large change in the rate quoted for a Subaru Outback.

The different assumptions illustrate why the only way to find cheap auto insurance rates for your Subaru is to shop your policy around at every renewal.

View Subaru Outback Insurance Rates

Your Subaru’s trim level will have an impact the annual cost of coverage, so the price you pay to insure a Outback 2.5I trim level will be $184 less expensive the cost to insure the more costly Outback 3.6R Limited trim level, as shown in the table below.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Price information does not factor in vehicle garaging location which can modify insurance rates noticeably.

Selecting the right auto insurance company can be challenging considering how many companies provide coverage in Ohio. The ranking data below may help you choose which coverage providers to look at when comparing rate quotes.

The ratings below are for large, nationwide insurance companies, so companies that focus mainly on Ohio business are not factored into this list. If you would like to check rates and find the cheapest rates for a Subaru Outback, click here.

Top 10 Major Car Insurance Companies in Ohio Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Erie Insurance – A+
6. The Hartford – A+
7. Progressive – A+
8. Nationwide – A+
9. Allstate – A+
10. Titan Insurance – A+

Top 10 Major Car Insurance Companies in Ohio Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. Safeco Insurance
8. GEICO
9. The General
10. Esurance

Top Companies for Subaru Outback Insurance in Ohio

Liability-only versus full coverage

Finding the best cheap insurance for a Subaru Outback in Ohio is important to most drivers, and one great way to lower the cost of insurance is to buy only liability coverage. The diagram below illustrates the difference between annual premium costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no violations or accidents, $500 deductibles, single marital status, and no discounts are factored in.

If all age groups are averaged, full coverage costs $1,399 per year more than just buying liability only. That is a significant amount which raises the question if you should buy full coverage at all. There is no clear-cut formula of when to phase out comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s pretend your vehicle’s settlement value is $9,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,500 after paying your policy deductible. If premium cost is more than $850 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where buying only liability insurance is not recommended. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

The diagram below demonstrates how deductibles can influence yearly insurance costs when getting quotes for cheap insurance for a Subaru Outback. The premiums are based on a single male driver, full physical damage coverage, and no discounts are applied.

A 40-year-old driver could reduce rates by $202 a year by increasing from a $100 deductible to a $500 deductible, or save $306 by selecting a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, can cut up to $646 or more by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it is necessary to have enough funds in savings to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.