What Car Insurance is Cheapest for a Subaru Outback in San Francisco?

Finding cheap auto insurance for a Subaru Outback in California depends on many rating factors such as how you use your vehicle, where you live, and any driving offenses on your record. Drivers pay on average $1,033 annually to insure their Outback, but that amount is an estimation using a 30-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.

There’s a good chance you’re not a 30-year-old male, you might be single instead of married, or maybe you just want liability only. There is no one cookie-cutter policy that works for everyone, so the only way to find affordable rates for your Subaru is to do your own rate comparisons.

Find Cheaper Subaru Outback Insurance

Your Subaru’s trim level can impact the cost of coverage, so the price to insure a Outback 2.5I model will be $156 lower than the cost to insure the higher-end Outback 3.6R Limited model, as shown in the table below.

Subaru Outback Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $238 $298 $442 $26 $132 $1,136 $95
Outback 2.5I Premium $238 $362 $442 $26 $132 $1,200 $100
Outback 2.5I Limited $238 $362 $442 $26 $132 $1,200 $100
Outback 3.6R $238 $362 $442 $26 $132 $1,200 $100
Outback 3.6R Premium $238 $362 $442 $26 $132 $1,200 $100
Outback 3.6R Limited $266 $426 $442 $26 $132 $1,292 $108
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in specific garaging location which can raise or lower premiums substantially.

Selecting the highest-rated insurance provider can be challenging considering how many choices you have in California. The ranking information shown next can help you pick which car insurance providers you want to consider when trying to find cheaper insurance for a Subaru Outback.

These rankings are for the largest companies in the United States, so companies that have a smaller presence are not factored into these rankings. If you wish to compare rates from these top insurers and more, just click here.

Top 10 Major Auto Insurers in San Francisco Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

The chart below demonstrates how deductibles can influence premium costs when getting quotes for cheap insurance for a Subaru Outback. The data is based on a single male driver, full physical damage coverage, and no discounts are applied.

A 50-year-old driver could cut expenses by $450 a year by increasing from a $100 deductible up to a $500 deductible, or save $680 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could lower their rates $1,466 each year just by choosing higher deductibles.

When raising deductibles, it is important to have emergency funds available to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Rate difference between full and liability-only coverage

Finding cheaper car insurance should be important to the majority of people, and one of the quickest ways to save on the cost of insurance for a Subaru Outback is to not buy full coverage. The diagram below shows the difference between auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The rates are based on no violations or accidents, $500 deductibles, drivers are single, and no additional discounts are factored in.

Averaged out for all age groups, physical damage coverage on your policy costs $2,502 per year over liability only. That is a large expense and it proposes the question if paying for full coverage is a waste of money. There is no exact rule for excluding full coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s assume your vehicle’s book value is $11,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $10,000 after the policy deductible has been paid. If it’s costing you more than $1,000 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are a few situations where buying only liability insurance is not a good plan. If you haven’t satisfied your loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Here’s why you should shop around

California car insurance rates are based on many factors that may substantially change the policy price. Simply having a birthday, having a teen driver, or getting a speeding ticket can cause premium changes that may make certain companies more affordable than the competition. Not only may your risk profile change, but auto insurance companies change premium rates as often as every three months to ensure their profitability. Unexpectedly high claims may cause more expensive prices, while a profitable period can cause cheaper Outback insurance rates.

To illustrate this example, the bar chart below shows which company has the cheapest car insurance in San Francisco, CA for a 40-year-old male driver with no accidents or violations, and solid credit. If we look at prices based on his personal risk profile, USAA may offer the lowest car insurance rates in San Francisco at $1,477 each year. This is $174 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also on the list of the most affordable San Francisco, CA auto insurance companies.

In this next rate comparison, we will give the driver in the first example an accident surcharge, a lower credit score, and a few blemishes on his driving record. Due to the fact that each insurance company uses their own formula to establish rates, comparing quotes may now show a significantly different list of affordable companies as shown below.

Grange now has the best price in San Francisco with GEICO, Allstate, Mercury, and Allied now being in the top five. This example demonstrates why it is so important to do a thorough rate comparison when trying to find the lowest car insurance rates for a Subaru Outback. Insurance prices are made up of many risk factors and change frequently, so the best option the last time you checked may now be one of the higher cost companies.

How to find more affordable auto insurance for a Subaru Outback

The list below shows many thrifty solutions that can help you buy cheaper coverage.

The last idea is certainly critical, as was emphasized in this article. Auto insurance rates change constantly, so don’t be tentative to buy a policy from a new company if a more affordable rate is found.

We understand brand loyalty, but it isn’t a good idea if your bullheadedness ends up costing you hundreds of dollars a year. It only takes a couple minutes to compare rates to find cheaper car insurance for a Subaru Outback in San Francisco.

The agents below are willing to aid you in deciding which coverages you need, since many consumers aren’t sure which coverage to buy and prefer to get some help when trying to find lower insurance rates for an Outback. It’s not always easy to do it yourself, and a licensed agent can provide you satisfaction knowing your policy gives you sufficient coverage at claim time. To find an auto insurance agency near you, click the button link following the list.

View map of San Francisco, CA insurance agents