Finding the best cheap coverage for a Subaru Outback is dependent upon a large number of rating criteria such as the safety rating for your Outback, your residence address, and if you have a history of accidents. Michigan drivers will pay on average $2,043 each year to insure their Outback, but that cost is an estimation calculated based on a 30-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.
Odds are that you’re not a 30-year-old female, married instead of single, or maybe you’re a renter instead of a homeowner. This demonstrates why the only way to find cheap insurance rates for your Subaru is to just take the time to compare rates yourself. It’s really quite easy you will receive prices from some of the best companies that insure vehicles in Michigan.
Vehicle trim level has an effect on the cost of insurance, so the rate you pay to insure a Outback 2.5I model will cost $296 less than the insurance cost for the higher-end Outback 3.6R Limited model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outback 2.5I Premium||$412||$696||$932||$56||$280||$2,376||$198|
|Outback 2.5I Limited||$412||$696||$932||$56||$280||$2,376||$198|
|Outback 3.6R Premium||$412||$696||$932||$56||$280||$2,376||$198|
|Outback 3.6R Limited||$460||$820||$932||$56||$280||$2,548||$212|
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in garaging location in Detroit which can affect coverage prices considerably.
Trying to find cost effective insurance is not most people’s favorite thing to do, and finding out which company quotes the most affordable car insurance rates for a Subaru Outback calls for even more work. Every car insurance company has a unique formula to determine premium rates, so first let’s look at the rankings for the most affordable car insurance companies in Detroit, MI.
It’s a good idea to know that Michigan car insurance rates are impacted by many things that control the price you pay for coverage. Things like having a birthday, buying a home instead of renting, or getting into an accident can trigger rate changes that may make certain companies much higher than others.
Find the Cheapest Car Insurance for Your Subaru
|Rank||Company||Cost Per Year|
|7||Pioneer State Mutual||$1,488|
|18||Auto Club Group||$2,416|
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USAA may offer some of the most affordable car insurance rates in Detroit at around $949 a year. This is $1,444 less than the average policy premium paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and MEEMIC also make the cut as some of the more affordable Detroit, MI car insurance companies.
As depicted above, if you have coverage with MEEMIC and switched to GEICO, you may see annual savings of in the vicinity of $415. Drivers with Chubb could save as much as $435 a year, and Pioneer State Mutual customers might see rate reductions of $495 a year.
It’s important to note that these premium estimates are averages for all types of drivers and the different vehicles they drive and are not factoring in a vehicle location for a Subaru Outback. So the auto insurance company that can offer you the best price may not even be in the top 30 companies shown above. That is why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.
Safe drivers pay less for car insurance
The recommended way to earn the cheapest car insurance prices in Michigan for an Outback is to drive cautiously and not get tickets or have accidents. The illustration below shows how violations and accidents influence insurance premiums for each age group. The costs are based on a single male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of auto insurance in Michigan per year with a clean driving record and no accidents is $3,656. Get written up for one speeding ticket and the average cost jumps to $4,126, an increase of $470 each year. Then add one accident along with the one speeding ticket and the 12-month cost of car insurance for a Subaru Outback jumps again to an average of $5,404. That’s an increase of $1,747, or $146 per month, just for not being attentive to the road!
How to get discounts on Detroit insurance rates
Insurers that offer cheap quotes for a Subaru Outback may also offer rate discounts that can reduce rates by 35% or more if you qualify for them. A few popular companies and some of the discounts include:
- AAA may include discounts for multi-policy, multi-car, AAA membership discount, anti-theft, and good student.
- Progressive includes discounts for multi-policy, good student, continuous coverage, online signing, and multi-vehicle.
- State Farm offers discounts for multiple policy, safe vehicle, Drive Safe & Save, passive restraint, anti-theft, multiple autos, and defensive driving training.
- Esurance may have discounts that include Switch & Save, paid-in-full, anti-lock brakes, DriveSense, anti-theft, and online quote.
- Nationwide offers premium reductions for multi-policy, good student, defensive driving, business or organization, Farm Bureau membership, and family plan.
The diagram below illustrates the difference between insurance prices with and without policy discounts. Data assumes a female driver, no tickets, no at-fault accidents, Michigan state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with anti-theft, defensive driving course, passive restraint, accident-free, multiple vehicle, and marriage discounts applied. When drivers take advantage of discounts, theamount saved on car insurance for a Subaru Outback is 28% or $1,031.
How to find the cheapest insurance for a Subaru Outback
Lowering your rates is not difficult, and here are some of the recommended penny-pinching solutions that can help drivers find cheap coverage.
- Safe vehicles cost less to insure
- Speeding tickets and other violations increase rates
- On older vehicles, drop full coverage
- Buy your homeowners policy from the same company as your auto insurance
- Frequent claims will increase rates
- At-fault accidents can raise rates significantly
- Shop around for lower rates once a year
The last item on the list is especially valuable, as was emphasized in this article. Insurance prices can change in a short period of time, so drivers shouldn’t be resistant to switch to a new company if you can find a cheaper rate.
Having brand loyalty is commendable, but we do not recommend it if it’s costing you a lot of money. It only takes a couple minutes to compare rates to find cheaper insurance for a Subaru Outback in Detroit.