Finding cheap insurance for a Subaru Outback in Arizona is pretty easy to do, but it depends on a pretty complex algorithm that uses a lot of factors such as the mileage of your daily commute, whether you are claim-free, and the level of deductible you choose. Drivers pay around $1,051 annually to insure their Outback, but that figure is an estimation calculated using a 40-year-old single female driver with full coverage and $250 deductibles.
This brings up the issue that more than likely you’re not a 40-year-old female, possibly married instead of single, or maybe you have a speeding ticket that needs to be factored in. Have just a small change in rating variables or coverage information could end up with a large change in the cost of insurance.
Auto insurance requires individual risk assessment, so the only way to find the most affordable coverage for your Subaru is to just take the time to compare rates yourself.
Find Cheaper Subaru Outback Insurance
The trim level of your vehicle will have an impact the coverage cost, so the rate you will pay to insure a Outback 2.5I trim level will cost $188 less than the cost to insure the more expensive Outback 3.6R Limited model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $250 | $362 | $390 | $24 | $116 | $1,142 | $95 |
| Outback 2.5I Premium | $250 | $442 | $390 | $24 | $116 | $1,222 | $102 |
| Outback 2.5I Limited | $250 | $442 | $390 | $24 | $116 | $1,222 | $102 |
| Outback 3.6R | $250 | $442 | $390 | $24 | $116 | $1,222 | $102 |
| Outback 3.6R Premium | $250 | $442 | $390 | $24 | $116 | $1,222 | $102 |
| Outback 3.6R Limited | $280 | $520 | $390 | $24 | $116 | $1,330 | $111 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price information does not factor in vehicle location which can modify premiums considerably.
How to find a good Arizona auto insurance company
Ending up with the highest-rated auto insurance company is hard considering how many companies are available to choose from in Arizona. The company rank data below may help you select which auto insurers to look at when shopping your coverage around.
The ratings below are only made up of companies with a national presence, so smaller companies that only insure vehicles in Arizona are not included in these rankings. To compare price quotes from the insurers below and more, follow this link.
Top 10 Major Auto Insurance Providers in Tucson Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Major Auto Insurance Providers Overall in Tucson
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Auto insurance rates are higher with tickets and accidents
The recommended way to snag the cheapest auto insurance rates in Tucson for an Outback is to drive cautiously and avoid tickets and accidents. The illustration below highlights how speeding tickets and at-fault collisions influence auto insurance costs for different insured age categories. The information is based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.
In the example above, the average cost of car insurance in Tucson per year with no violations or accidents is $1,974. Get two speeding tickets and the average cost surges to $2,658, an increase of $684 each year. Next add one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Subaru Outback increases to an average of $3,335. That’s an increase of $1,361, or $113 per month, just for not driving responsibly!
Why you should be comparing rates
Tucson, AZ auto insurance rates are influenced by many factors that control the cost of having a policy. Turning one year older, moving across town, or getting a ticket for running a stop sign can trigger changes in premium resulting in some rates now being more affordable than the competition. And not only may your rating factors change, but auto insurance companies change premium rates as often as every quarter as an adjustment for underwriting gains or losses. Higher than normal claims may cause additional premium costs, while less frequent claims can produce lower-cost Outback insurance rates.
The chart below shows the cheapest car insurance in Tucson, AZ for a 35-year-old female driver with no violations or accidents, and a high credit rating. Based on her current risk factors, The Hartford might offer the cheapest car insurance rates in Tucson at $1,011 each year. This is $417 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and Progressive round out the rest of the best Tucson, AZ auto insurance companies.
The next chart shows rates after we give the driver from the first set of rates an accident surcharge, a lower credit rating, and a speeding citation. Since each company uses their own method to establish rates, getting updated rate quotes may now result in a new list of the cheapest Tucson car insurance companies as shown below.
GEICO now has the best price on car insurance in Tucson, AZ with Ameriprise Group, Allied, CSAA, and Safeco now being in the top five. This shows why it is important to perform an extensive rate comparison when trying to find the lowest auto insurance rates for a Subaru Outback.
Prices are influenced by many different factors and can change substantially, so the best price the last time you checked may now be quite expensive.
How to find budget-friendly auto insurance for a Subaru Outback
The list below shows many thrifty suggestions that can help Arizona drivers buy cheaper coverage.
- Avoid having at-fault accidents
- Avoid getting citations and tickets
- Improve your credit score
- Buy vehicles with five-star safety ratings
- Increase deductibles to save money
- Compare price quotes at least once a year
The last suggestion is extraordinarily valuable, as we stressed in the article above. Coverage rates can be adjusted at any time, so don’t hesitate to buy from a different company if a better deal can be had. We understand brand loyalty, but it’s not recommended if that loyalty ends up costing thousands of dollars over several years. If you have a few minutes, compare rates to find cheaper auto insurance for a Subaru Outback in Tucson.
If you have coverage questions and would like to have professional advice when shopping around for cheaper insurance for an Outback, the agents below are a good start to answer your questions and help you decide which car insurance company is the best fit.
To find an agent closest to you, click the link after the list or click here to compare rates now.
Mike Pierce Insurance
1809 S 6th Ave – Tucson, AZ 85713 – (520) 884-8488
Casey Santoro – State Farm Insurance Agent
4231 W Ina Rd Ste 121 – Tucson, AZ 85741 – (520) 744-2400
Arizona Southern Insurance Agency
6544 E 22nd St – Tucson, AZ 85710 – (520) 747-3900