Finding cheap car insurance for a Subaru Outback is pretty simple, but it hinges on a complicated rating formula that uses factors such as whether you are male or female, your profession, and any prior driving offenses you have. Louisiana drivers will pay around $1,076 per year for Outback insurance, but that is a valuation based upon a 50-year-old married female driver with full coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you’re not a 50-year-old female, single instead of married, or maybe you don’t qualify for the same discounts. Different coverage needs are the reason why the only way to find cheap car insurance rates for your Subaru is to compare as many rates as possible.
Find Cheaper Subaru Outback Insurance
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 model will be $174 less than the price to insure the higher-end Outback 3.6R Limited model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $254 | $332 | $436 | $26 | $130 | $1,178 | $98 |
| Outback 2.5I Premium | $254 | $404 | $436 | $26 | $130 | $1,250 | $104 |
| Outback 2.5I Limited | $254 | $404 | $436 | $26 | $130 | $1,250 | $104 |
| Outback 3.6R | $254 | $404 | $436 | $26 | $130 | $1,250 | $104 |
| Outback 3.6R Premium | $254 | $404 | $436 | $26 | $130 | $1,250 | $104 |
| Outback 3.6R Limited | $282 | $478 | $436 | $26 | $130 | $1,352 | $113 |
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rates do not factor in vehicle garaging location which can modify price quotes significantly.
Finding dependable, reasonably-priced car insurance is not always easy, and figuring out which companies have the lowest-priced auto insurance rates for a Subaru Outback calls for even more shopping around. Each company has their own formula to set policy rates, so we need to take a look at the auto insurance companies with the most affordable rates in New Orleans, LA.
We do need to point out that Louisiana auto insurance rates are determined by lots of factors that will increase or decrease the price you have to pay for coverage. Events like a birthday, buying a safer car, or getting a speeding ticket can cause premium changes that can now make some companies more affordable than the competition.
Find the Cheapest Car Insurance for Your Subaru
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,594 |
| 2 | MetLife | $1,854 |
| 3 | GEICO | $1,945 |
| 4 | Progressive | $1,986 |
| 5 | Safeway | $2,198 |
| 6 | Southern Farm Bureau | $2,204 |
| 7 | California Casualty | $2,315 |
| 8 | State Farm | $2,359 |
| 9 | Safe Auto | $2,627 |
| 10 | Allstate | $2,975 |
| 11 | Encompass | $3,138 |
| 12 | Liberty Mutual | $3,719 |
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USAA has some of the best car insurance rates in New Orleans at around $1,594 a year. MetLife, GEICO, Progressive, and Safeway would also be considered some of the best New Orleans, LA insurance companies.
As shown in the table above, if you currently have coverage with Safeway and switched to MetLife, you could see yearly savings of roughly $344. Customers with Southern Farm Bureau might save as much as $350 a year, and California Casualty policyholders might cut rates by $461 a year.
To find out how much you can save, click here to begin a quote or feel free to get quotes from the companies below.
Be aware that those policy prices are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific vehicle garaging location for a Subaru Outback. So the car insurance company that is best suited for you may not even be in the top 12 companies shown above. That point stresses why you need to compare prices as often as possible using your own individual information.
The chart below highlights how deductible choice can change premium costs when quoting cheap insurance for a Subaru Outback. The data is based on a married female driver, full coverage, and no discounts are applied.
The data above shows that a 30-year-old driver could reduce rates by $402 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $610 by switching to a $1,000 deductible. Youthful drivers, like the age 20 example, could potentially save up to $860 or even more just by choosing larger deductibles. When choosing a higher deductible, it is a good idea to have enough savings set aside to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Careless New Orleans drivers pay higher rates
In a perfect world, the best way to receive the most affordable auto insurance prices in New Orleans for an Outback is to drive carefully and avoid accidents and violations. The diagram below illustrates how violations and accident claims can influence insurance costs for each age group. The data is based on a married male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
The chart shows that the average cost of auto insurance in Louisiana per year with no accidents or violations is $2,243. Receive two speeding tickets and the average cost jumps to $3,092, an increase of $849 each year. Next add two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Subaru Outback jumps again to an average of $6,350. That’s an increase of $4,106, or $342 per month, just for not driving attentively!
How to find cheaper auto insurance for a Subaru Outback
The list below summarizes a few money-saving solutions that can help New Orleans drivers buy cheap auto insurance.
- Violations like speeding or DUI increase rates
- Drive attentively and avoid accidents
- Drive a car with a high safety rating
- Save money by insuring older vehicles for liability only
- Insure your home and auto with the same company
- Pay less by remaining claim-free
- Compare rates and switch if you can find a better deal
The last tip in the list is very significant, as we pointed out in the article above. Prices charged by car insurance companies in New Orleans can change considerably based on profitability, so don’t be hesitant to buy a policy from a new company if a more affordable rate is found.
Many drivers prefer to stick with one company, but it’s not recommended if that stubbornness costs you big bucks every year. It takes less than five minutes to compare prices and find cheaper car insurance for a Subaru Outback.
If you like to have professional advice when comparing insurance rates for an Outback, the insurance agencies below are a good start to aid you in deciding which coverages are best. To locate a New Orleans insurance agent using an interactive map, click the button at the bottom or click here to get price quotes now.
- Allstate Insurance: Paul Scaffidi
720 Harrison Ave c – New Orleans, LA 70124 – (504) 822-8007 - Nick Pontiff – State Farm Insurance Agent
229 N Genois St – New Orleans, LA 70119 – (504) 309-8773 - Carl Mixon – State Farm Insurance Agent
4716 Canal St – New Orleans, LA 70119 – (504) 482-7897 - Beth Anne Naugher – State Farm Insurance Agent
3536 Holiday Dr a – New Orleans, LA 70114 – (504) 367-6660 - Integra Insurance in Baton Rouge, Shreveport and New Orleans | Texas and Louisiana Insurance Agents
2750 Lake Villa Dr #305 – Metairie, LA 70002 – (877) 969-3026