Buying economical coverage for a Subaru Outback is pretty easy for most people to do, but it relies on a complicated formula that considers factors such as whether you are married or single, your geographic location, and if you have tickets or violations. Kentucky drivers will pay around $1,023 per year for Outback insurance, but that amount is an estimation using a 30-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
The issue with using an average estimated rate is the likelihood you aren’t exactly 30 years old or even a male, you might be married instead of single, or maybe you are just looking for cheap liability insurance. Auto insurance is unique to each driver, so the only way to find the most affordable coverage for your Subaru is to just take the time to compare rates yourself. Price quotes are quick and you will receive rate quotes from some of the best insurers that insure Subaru vehicles in Kentucky.
The trim level of your Outback tends to impact the cost of coverage, so the price to insure a Outback 2.5I will cost $152 less than the price to insure the higher-end Outback 3.6R Limited version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outback 2.5I Premium||$264||$342||$428||$26||$128||$1,188||$99|
|Outback 2.5I Limited||$264||$342||$428||$26||$128||$1,188||$99|
|Outback 3.6R Premium||$264||$342||$428||$26||$128||$1,188||$99|
|Outback 3.6R Limited||$294||$404||$428||$26||$128||$1,280||$107|
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in Louisville location which can modify prices considerably.
Finding decent, low-priced auto insurance is difficult, and deciding which company quotes the most affordable auto insurance rates for a Subaru Outback will require more quotes for comparison. Every car insurance company uses slightly different criteria to determine premium rates, so let’s begin by taking a look at the auto insurance companies with the overall best prices in Louisville, KY.
It’s important that readers know that Louisville auto insurance rates are impacted by many things which can substantially decrease or increase your annual premium. This price variation is why it is crucial to do a thorough rate comparison when trying to find the best auto insurance rates for a Subaru Outback. Insurance prices can be determined by many things and can decrease or increase without notice, so the cheapest option two years ago may now be priced much higher than other options.
Best Auto Insurance Prices for Your Subaru
|Rank||Company||Cost Per Year|
|2||Kentucky Farm Bureau||$1,139|
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Cincinnati Insurance may offer some of the lowest car insurance rates in Louisville at around $1,082 each year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual also make the cut as some of the most economical Louisville, KY auto insurance companies.
As shown in the rates above, if you buy coverage from Kentucky Farm Bureau and switched to Cincinnati Insurance, you could realize savings of upwards of $57. Kentucky drivers with USAA could save as much as $141 a year, and Auto-Owners policyholders might lower prices by up to $317 a year.
To compare your rates to other Kentucky insurance companies, click here to begin a quote or click through to the companies below.
It’s important to note that these prices are averaged across all insureds and vehicles and and are not figured with an exact location for a Subaru Outback. So the company that has the lowest price for you may not even be in the top 21 companies shown above. That’s why you need to get car insurance quotes using your own driver and vehicle profiles.
Insurance rate increases from tickets or accidents
The easiest method to receive cheap auto insurance prices for an Outback is to drive safe and avoid getting tickets or having accidents. The information below shows how speeding tickets and accidents drive up insurance costs for different age groups. Data assumes a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
In the previous chart, the average cost of a car insurance policy in Louisville per year with no accidents and a clean driving record is $1,856. Get one speeding ticket and the average cost swells to $2,092, an increase of $236 each year. Now throw in one accident along with the one speeding ticket and the annual cost of auto insurance for a Subaru Outback goes up to an average of $2,745. That’s an increase of $889, or $74 per month, just for not being more responsible behind the wheel!
The chart below shows how choosing a deductible can influence insurance costs when researching cheap insurance for a Subaru Outback. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The data above shows that a 30-year-old driver could reduce rates by $320 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $486 by selecting a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, can cut as much as $688 or even more by choosing larger deductibles on their policy.
If you make the decision to raise deductibles, it is necessary to have additional funds squirreled away to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Types of discounts on Louisville insurance rates
Insurance companies that provide policies for a Subaru Outback may additionally offer premium discounts that can lower rates by as much as 30% if you meet eligibility requirements. Companies and a partial list of their discounts include:
- State Farm offers discounts including Steer Clear safe driver discount, accident-free, Drive Safe & Save, anti-theft, multiple policy, and defensive driving training.
- GEICO may offer discounts for air bags, membership and employees, daytime running lights, emergency military deployment, and multi-policy.
- Progressive has discounts for online signing, continuous coverage, multi-policy, multi-vehicle, good student, online quote discount, and homeowner.
- 21st Century policyholders can earn discounts including homeowners, anti-lock brakes, automatic seat belts, good student, and student driver.
- American Family has savings for early bird, TimeAway discount, accident-free, bundled insurance, mySafetyValet, and good student.
- The Hartford offers discounts for driver training, vehicle fuel type, anti-theft, air bag, defensive driver, and bundle.
- AAA may have discounts that include multi-policy, good student, pay-in-full, multi-car, anti-theft, and AAA membership discount.
The illustration below compares car insurance costs with and without discounts applied to the policy rates. The data assumes a female driver, no violations or accidents, Kentucky state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with marriage, accident-free, homeowner, anti-theft, claim-free, and multiple vehicle discounts applied. When drivers qualify for the discounts, the average savings per year on auto insurance for a Subaru Outback is 28% or $489.
The Louisville car insurance agencies listed below can most likely answer your questions and help you decide which coverage fits your budget, since lots of drivers aren’t clear which coverage they need and would like to get some professional input when shopping for the best coverage for an Outback. It can be difficult to do it yourself, so getting professional guidance from a licensed agent can provide satisfaction knowing your coverage gives you enough coverage when you need it. To find a Louisville insurance agent closest to you, click the button after the list.
Tracy Blair Haus State Farm Insurance Agency
11501 Main St – Louisville, KY 40243 – (502) 244-0271
Sam Wheeler – State Farm Insurance Agent
2902 Bardstown Rd – Louisville, KY 40205 – (502) 459-9700
Gerald Schott Insurance
10602 Timberwood Cir # 14 – Louisville, KY 40223 – (502) 426-5887
Troy Coulter – State Farm Insurance Agent
4906 Outer Loop – Louisville, KY 40219 – (502) 964-2002