Buying competitive insurance for a Subaru Outback relies on a complex formula that considers things such as your financial responsibility, if you are a frequent claim filer, and any past driving violations you may have had. Oregon drivers pay approximately $1,021 per year for Outback insurance, but that is an estimate based upon a 40-year-old married male driver with full physical damage coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 40 years old and maybe not even male, possibly single instead of married, and maybe your Outback just needs liability-only coverage. Even a minor change in the rating criteria used to formulate rates could end up in a significant change in how much coverage for a Subaru Outback costs.
There is no one cookie-cutter policy that works for everyone, so the best method for finding cheap auto insurance rates for your Subaru is to just take the time to compare rates yourself.
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The specific trim level tends to have a direct impact on the cost of insurance, so the price to insure a Outback 2.5I model will be $194 less than the insurance cost for the higher-priced Outback 3.6R Limited trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $282 | $376 | $330 | $20 | $98 | $1,106 | $92 |
| Outback 2.5I Premium | $282 | $456 | $330 | $20 | $98 | $1,186 | $99 |
| Outback 2.5I Limited | $282 | $456 | $330 | $20 | $98 | $1,186 | $99 |
| Outback 3.6R | $282 | $456 | $330 | $20 | $98 | $1,186 | $99 |
| Outback 3.6R Premium | $282 | $456 | $330 | $20 | $98 | $1,186 | $99 |
| Outback 3.6R Limited | $314 | $538 | $330 | $20 | $98 | $1,300 | $108 |
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Table data does not factor in zip code location which can decrease or increase premium rates greatly.
Trying to find reasonably-priced car insurance is tough enough, and deciding which company quotes the cheapest auto insurance rates for a Subaru Outback requires even more diligence.
Each auto insurer has their own formula to establish rates, so we’ll take a look at the auto insurance companies with the overall best prices in Portland, OR. It’s a good idea to know that Oregon auto insurance rates are calculated based on many things that can increase the price you pay for coverage. Improving your financial situation, moving to a different location, or getting a ticket for running a stop sign can trigger rate changes that may make certain companies higher when they were quite affordable.
Best Car Insurance Prices for Your Subaru
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Grange | $694 |
| 2 | Country | $831 |
| 3 | Oregon Mutual | $844 |
| 4 | Travelers | $914 |
| 5 | USAA | $970 |
| 6 | State Farm | $1,029 |
| 7 | Amica | $1,137 |
| 8 | GEICO | $1,155 |
| 9 | Allied | $1,179 |
| 10 | Mutual Enumclaw | $1,188 |
| 11 | California Casualty | $1,194 |
| 12 | Progressive | $1,222 |
| 13 | MetLife | $1,301 |
| 14 | 21st Century | $1,324 |
| 15 | American Family | $1,474 |
| 16 | Encompass | $1,574 |
| 17 | Allstate | $1,722 |
| 18 | Farmers | $2,013 |
| 19 | Safeco | $2,216 |
| 20 | Liberty Mutual | $2,533 |
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Grange has some of the lowest car insurance rates in Portland at around $694 each year. This is $784 less than the average price paid by Oregon drivers of $1,478. Country, Oregon Mutual, Travelers, and USAA also make the cut as some of the lowest-priced Portland, OR car insurance companies.
In the rate table above, if you currently have a policy with Travelers and switched to Country, you could see a yearly price reduction of about $83. Insureds with USAA may save as much as $139 a year, and State Farm insureds might reduce rates by $198 a year.
Be aware that those prices are averages for all types of insureds and vehicles and and are not figured with a specific zip code for a Subaru Outback. So the car insurance company that can offer the best rates for your situation may not even be in the list above. That points out the importance of why you need to compare as many prices as possible using your own specific driver and vehicle information.
Get discount Portland auto insurance
Auto insurance companies that offer coverage for a Subaru Outback may also provide special discounts that may potentially lower prices by 25% or more if you meet certain criteria. A list of auto insurance companies and some of the discounts can be found below.
- Progressive offers discounts for homeowner, online signing, multi-policy, continuous coverage, and multi-vehicle.
- The Hartford may have discounts that include bundle, driver training, anti-theft, defensive driver, air bag, and good student.
- Mercury Insurance offers discounts including accident-free, multi-car, professional/association, multi-policy, annual mileage, type of vehicle, and low natural disaster claims.
- GEICO offers premium reductions for five-year accident-free, seat belt use, federal employee, membership and employees, and anti-lock brakes.
- AAA may include discounts for multi-car, AAA membership discount, good driver, good student, and education and occupation.
- State Farm has discounts for passive restraint, good student, multiple policy, driver’s education, and safe vehicle.
The example below illustrates the difference between insurance costs with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no violations or accidents, Oregon state minimum liability limits, full 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 defensive driving course, safe-driver, vehicle safety, multiple policy, homeowner, and marriage discounts applied. When drivers qualify for the discounts, the average savings per year on auto insurance for a Subaru Outback is 28% or $471.
The information below shows how choosing a deductible can influence insurance rates when trying to find cheap insurance for a Subaru Outback. The premiums assume a single male driver, full physical damage coverage, and no discounts are applied.
In the chart above, a 50-year-old driver could lower their policy premium by $326 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $492 by changing to a $1,000 deductible. Youthful drivers, like the age 20 example, could potentially save $1,062 every year just by using higher deductibles.
When insureds make the decision to increase the deductibles on their policy, it is necessary to have spare funds to cover the extra out-of-pocket expense that is associated with using high deductibles.
The insurance agencies below can probably provide answers to your questions and help you determine which policy fits your needs best, as some drivers aren’t sure which coverage they need and prefer to get some help when shopping for the best coverage for an Outback. It can be complicated to find coverage yourself, so getting advice from a licensed agent can add comfort knowing your policy gives you adequate protection in the event of a claim. To find an agent near you, click the button at the bottom or click here to compare price quotes now.
- Peninsula Insurance
12700 NW Cornell Rd – Portland, OR 97229 – (503) 644-5333 - Reggie Guyton – State Farm Insurance Agent
8180 N Lombard St – Portland, OR 97203 – (503) 289-3601 - Bill Northfield – State Farm Insurance Agent
5915 SE 43rd Ave – Portland, OR 97206 – (503) 775-8202 - Stamm Stuart Bybee Insurance
16455 SE Division St – Portland, OR 97236 – (971) 254-1148 - Fox Insurance Agency
1819 SW 5th Ave – Portland, OR 97201 – (503) 277-2300
More Portland, OR insurance agents
Ideas to find low-cost car insurance for a Subaru Outback
Here are a few penny-pinching suggestions that can help you find low-cost coverage.
- Prevent price hikes by avoiding at-fault accidents
- Violations and traffic tickets increase rates
- Save money by insuring your home and auto with the same company
- Higher physical damage deductibles lower rates
- Avoid filing small claims
- Maintaining good credit helps earn cheaper rates
- Compare rate quotes often
The final tip is especially necessary, as was discussed in this piece. Coverage prices in Portland vary greatly, so drivers shouldn’t hesitate to buy a policy from a new company if a better rate can be found.
Staying with the same car insurance company is fine, but it isn’t a good idea if that dedication is costing big bucks every year. It takes less than five minutes to shop around and find cheaper auto insurance for a Subaru Outback.