Who Has Cheap Insurance for a Subaru Outback in Illinois?

Who Has Cheap Insurance for a Subaru Outback in Illinois?

When we talk about car insurance, the word “cheap” shouldn’t be used anywhere in the article to describe car insurance prices. Excuse the oxymoron, but cheap auto insurance for a Subaru Outback is almost non-existent. Don’t let that bother you, though, because there may be ways you can still find and buy auto insurance that is cheaper than what you are paying now.

The chances that you’ll find the cheapest coverage for a Subaru Outback in Illinois is dependent upon many factors such as if you are single or married, whether or not you have had gaps between policies, and if you had any at-fault accidents in the last few years. Illinois drivers pay on average $700 each year for Outback insurance, but that rate is an estimation rating a 30-year-old married female driver that has full coverage and $500 deductibles.

There is a high probability that you may not be 30 years old (or even female), possibly single instead of married, or maybe you have a speeding ticket or two that will increase rates. Just a slight change in the rating criteria used to formulate rates can lead to a big change in quoted rates.

Each driver’s needs are different, and that demonstrates why the best way to find the cheapest insurance price for your Subaru is to compare as many rates as possible.

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Your vehicle’s trim level tends to have a direct impact on the insurance rate, so the rate you will pay to insure a Outback 2.5I trim level will be $116 cheaper 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 Illinois
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $180 $220 $266 $16 $80 $762 $64
Outback 2.5I Premium $180 $268 $266 $16 $80 $810 $68
Outback 2.5I Limited $180 $268 $266 $16 $80 $810 $68
Outback 3.6R $180 $268 $266 $16 $80 $810 $68
Outback 3.6R Premium $180 $268 $266 $16 $80 $810 $68
Outback 3.6R Limited $200 $316 $266 $16 $80 $878 $73
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Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rates do not factor in vehicle location which can impact price quotes considerably.

Establishing which companies have the lowest-priced insurance rates for a Subaru Outback will involve a little more effort than just quoting one company’s rates. Each insurance company uses different criteria for setting prices, so let’s rank the insurance companies with the overall cheapest rates in Illinois.

It’s important that readers know that Illinois insurance rates are calculated based on many things that can increase the price you pay. Simply turning a year older, buying a home, or getting a reckless driving citation can trigger rate changes that can cause some rates to be more affordable than before.

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Illinois auto insurance company rankings
Rank Company Cost Per Year
1 The Hartford $776
2 Rockford Mutual $838
3 Erie $878
4 Titan $886
5 Cincinnati Insurance $888
6 Utica National $946
7 Travelers $952
8 SECURA $975
9 USAA $988
10 State Farm $1,002
11 Auto-Owners $1,022
12 Safeco $1,063
13 GEICO $1,118
14 Amica $1,120
15 Farmers $1,170
16 California Casualty $1,173
17 MetLife $1,207
18 Esurance $1,233
19 Progressive $1,256
20 State Auto $1,273
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The Hartford offers some of the lowest car insurance rates in Illinois at around $776 annually. Rockford Mutual, Erie, Titan, and Cincinnati Insurance also are some of the most economical Illinois auto insurance companies.

As the rates illustrate above, if you currently buy coverage from Titan and switched to The Hartford, you might achieve an annual premium reduction of upwards of $110. Policyholders with Cincinnati Insurance could save as much as $112 a year, and Utica National customers might cut rates by $170 a year.

To compare your rates to other Illinois insurance companies, click here to start your free quote or visit any of the low-priced companies below.

Understand that those policy rates are averages across all ages of drivers and types of vehicles and and are not calculated with a specific rate value for a Subaru Outback. So the company that has the lowest price for you may not even be shown in the list of companies shown earlier. That affirms the importance of why you need to compare as many prices as possible using your own driver data and vehicle information.

The chart below shows how choosing a deductible can affect annual premium costs when getting quotes for cheap insurance for a Subaru Outback. Data assumes a single male driver, full physical damage coverage, and no discounts are taken into consideration.

The data above shows that a 40-year-old driver could lower rates by $266 a year by changing from a $100 deductible up to a $500 deductible, or save $402 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could roll back prices as much as $866 each year by using higher deductibles when buying full coverage.

If you do decide to increase your deductibles, it will be required to have additional funds in a savings account to offset the extra out-of-pocket expense, which deters some people from using high deductibles.

Should you buy full coverage?

Finding cheap insurance for a Subaru Outback in Illinois should be important to the majority of vehicle owners, and a good way to save on the cost of insurance is to not insure for full coverage. The example below illustrates the difference between annual premium costs with and without full coverage. Data assumes no accidents or driving violations, $500 deductibles, marital status is single, and no discounts are applied.

As an average for all age groups, physical damage coverage on your policy costs an additional $1,487 per year more than just buying liability insurance. At some point, almost every driver questions if full coverage is worth the money. There is no clear-cut rule of when to drop full coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

Who has the cheapest Subaru Outback insurance quotes?

Drivers have a lot of different ways to quote cheap insurance rates in Illinois, but the most common methods are using an exclusive insurance agent such as State Farm or Auto-Owners, a non-exclusive or independent agent, or buying direct from a company like Progressive or Geico.

Each way has the same basic steps, but it’s important to understand the differences in how they work.

Independent agencies can place your business with multiple companies and can get rate quotes from all of them. These types of agencies have the option to give you a larger rate selection, which may give you a better overall rate comparison. If your premiums go up, it’s simple to move the policy which prevents you from having to find a new agency.

An exclusive ageny is limited to one company, two of the more popular are a Liberty Mutual or State Farm agent. These agents normally cannot provide rate quotes from other companies, so it’s a take it or leave it situation.

If you want to buy insurance direct, you do not use an independent or exclusive agent and instead buy direct from companies such as Progressive or Geico. Buying direct may be a decent choice drivers who have fewer assets and know more than average about the limitations of their policy.

Which way is best to buy cheap insurance for a Subaru Outback in Illinois? It would be premature to say buying from a direct car insurance company saves money since that eliminates agent commissions, but unfortunately, it’s not that simple. It would also be easy to say buying insurance from an independent agent is the best way due to increased selection, but that assumption is also not accurate. In a lot of cases, exclusive agents have really good rates that independents and direct companies can’t touch.

Because there are so many factors that make up insurance rates, the only true way to find out which one is cheapest is to get rate quotes and compare. To find the best rates, be sure to get prices from all three types in order to have enough rates to compare. To see some of the cheapest online companies available, click here to view.