Finding the cheapest auto insurance for a Subaru Outback in Florida doesn’t take a ton of time, but it is dependent upon a lot of rating factors such as age of the vehicle, the size of your vehicle, and any prior driving offenses. Drivers in Florida pay approximately $1,273 per year to insure their Outback, but that cost is an estimation calculated based on a 40-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you’re not a 40-year-old male, you might be married instead of single, and you don’t want the same coverages and limits as the example. Having the smallest difference in the factors used in pricing a policy can result in a big discrepancy in the cost of insuring your Outback.
Every driver’s needs are different, and that is why the only way to find the cheapest insurance price for your Subaru is to compare rates from as many companies as possible. Comparing quotes is easy and you will receive prices from top-rated companies in Florida.
The trim level of your vehicle will influence price, so the price you will be charged to insure a Outback 2.5I model will be $212 less than the insurance cost for the more expensive Outback 3.6R Limited model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outback 2.5I Premium||$290||$504||$504||$30||$152||$1,480||$123|
|Outback 2.5I Limited||$290||$504||$504||$30||$152||$1,480||$123|
|Outback 3.6R Premium||$290||$504||$504||$30||$152||$1,480||$123|
|Outback 3.6R Limited||$322||$594||$504||$30||$152||$1,602||$134|
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate quotes do not factor in garaging location in Jacksonville which can raise or lower coverage prices greatly.
Deciphering which company quotes the lowest-priced car insurance rates for a Subaru Outback may require a tad more effort in order to find coverage that fits your budget. Each auto insurance company uses a different method for determining rates, so to begin we’ll rank the overall cheapest car insurance companies in Jacksonville.
It’s important to understand that Florida car insurance rates are influenced by many factors that may substantially change the price you have to pay. Simply having a birthday, having a claim, or having an at-fault accident may cause policy rate changes that can make some companies more affordable than before.
Find Cheaper Auto Insurance for Your Subaru
|Rank||Company||Cost Per Year|
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USAA may have some of the lowest car insurance rates in Jacksonville at around $948 a year. This is $1,500 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Mercury would also make the list of some of the most economical Jacksonville, FL insurance companies.
As shown in the table above, if you currently have a policy with Progressive and switched to Electric, you may see yearly savings of approximately $153. Drivers with Mercury may save as much as $239 a year, and Travelers customers might lower prices by up to $251 a year.
Bear in mind that those rates are averaged for all drivers and vehicles and do not factor in an exact zip code location for a Subaru Outback. So the car insurance company that fits your situation best may not even be in the list above. That point stresses why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.
Get discount Jacksonville car insurance
Insurance providers that offer quotes for a Subaru Outback may have premium discounts that can reduce rates by as much as 25% or more if you meet specific eligibility requirements. A few of the larger companies and a partial list of their discounts are detailed below.
- American Family may include discounts for early bird, Steer into Savings, defensive driver, good student, and TimeAway discount.
- Farm Bureau policyholders can earn discounts including 55 and retired, youthful driver, safe driver, multi-vehicle, driver training, good student, and multi-policy.
- State Farm has savings for driver’s education, multiple autos, accident-free, passive restraint, safe vehicle, and Drive Safe & Save.
- Travelers offers discounts for student away at school, driver training, good student, early quote, multi-car, and home ownership.
- The Hartford includes discounts for good student, anti-theft, driver training, vehicle fuel type, and bundle.
- GEICO discounts include membership and employees, anti-lock brakes, multi-policy, multi-vehicle, and daytime running lights.
- Progressive has discounts for good student, multi-policy, online quote discount, homeowner, online signing, and continuous coverage.
The diagram below illustrates the comparison of car insurance rates with and without discounts applied to the premium. Data assumes a male driver, no claims or violations, Florida state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with accident-free, vehicle safety, multiple vehicle, multiple policy, claim-free, and passive restraint discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on car insurance for a Subaru Outback is 28% or $730.
Shop around and save
Jacksonville car insurance rates are based on many factors which can substantially change the cost of having a policy. Improving your credit score, buying a different vehicle, or getting a couple of tickets may cause policy rate changes resulting in some companies being more affordable than competitors.
Not only may your risk profile change, but auto insurance companies amend pricing multiple times each year as an adjustment for underwriting gains or losses. Higher than usual claims may result in increased rates, while better underwriting can produce cheaper Outback insurance rates.
To illustrate this example, the data below shows rates for the cheapest car insurance in Jacksonville, FL for a 30-year-old female driver with a good driving record, no prior claims, and a good credit rating. When comparing rates based on her personal risk profile, USAA may have the best car insurance rates in Jacksonville at $1,106 a year. This is $1,342 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers round out the rest of the cheapest Jacksonville, FL auto insurance companies.
In this example, we will give the driver from the first rate comparison an accident claim, less-than-perfect credit, and a traffic ticket or two. Because each company has a unique formula to determine rates, comparing insurance quotes most likely will result in a completely different list of affordable companies as shown below.
USAA now has the lowest price on auto insurance in Jacksonville with Mercury, Esurance, State Farm, and Auto-Owners now rounding out the top five. This example shows why consumers need to take the time to shop around with many companies to get cheap auto insurance quotes for a Subaru Outback.
Prices are calculated by many factors and can decrease or increase without notice, so the cheapest company the last time you shopped around may now be wasting a lot of money.
Tips to find economical insurance for a Subaru Outback
It is possible to find better rates, and here are some penny-pinching ideas that can help you get more affordable coverage.
- Violations like speeding or DUI increase rates
- Buy vehicles with good safety ratings
- Remain accident-free and save
- Try paying for small claims out-of-pocket
- Save money by bundling your home and auto policies
- Shop around for cheaper prices
The final tip is incredibly necessary, as was noted in the prior information. Coverage prices can be adjusted at any time, so don’t be afraid to buy from a different company if you can find a cheaper rate.
We understand brand loyalty, but it isn’t a good idea if it’s costing you potentially thousands of dollars a year. It only takes a couple minutes to compare rates and find cheaper car insurance for a Subaru Outback in Jacksonville.