Finding cheaper auto insurance for a Subaru Outback depends on many rating criteria such as when you were born, the performance level of your vehicle, and your choice of physical damage deductibles. Drivers in New York pay around $909 each year to insure their Outback, but that amount is an estimate based upon a 40-year-old single male driver with full coverage and $250 deductibles.
But there is a high likelihood that you are not 40 and maybe not even a male, maybe you are married instead of single, or you just want cheap liability insurance instead of full coverage. Even a slight change in policy rating criteria or coverages can result in a massive change in the cost of insurance.
There is no one cookie-cutter policy that works for everyone, so the way we recommend to find the cheapest coverage for your Subaru is to put in the effort to do a thorough rate comparison. In less than five minutes you can get prices from top-rated companies available.
Your Subaru’s trim level can impact the cost of coverage, so the rate you will pay to insure a Outback 2.5I model will be $168 cheaper than the cost to insure the more costly 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 Premium||$226||$396||$320||$18||$96||$1,056||$88|
|Outback 2.5I Limited||$226||$396||$320||$18||$96||$1,056||$88|
|Outback 3.6R Premium||$226||$396||$320||$18||$96||$1,056||$88|
|Outback 3.6R Limited||$252||$468||$320||$18||$96||$1,154||$96|
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price estimates do not factor in vehicle garaging location which can revise premium rates greatly.
Comparing rates for reasonably-priced car insurance is not the easiest thing to accomplish, and deciding which companies quote the cheapest auto insurance rates for a Subaru Outback may require even more shopping around. Each company has a different formula to determine premium rates, so let’s rank the most competitive auto insurance companies in Buffalo, NY.
It’s a good idea to know that Buffalo, NY auto insurance rates are based on many factors that will increase or decrease the price of your policy. This is why it is crucial to shop around with many companies to find cheap car insurance rates for a Subaru Outback. Insurance rates are impacted by many things and can decrease or increase without notice, so the best price when you last compared rates may now be priced much higher than other options.
Find the Best Cheap Insurance for Your Subaru
USAA offers some of the cheapest car insurance rates in Buffalo at around $1,187 per year. Erie, Progressive, Utica National, and Travelers also rank well as some of the most economical Buffalo, NY insurance companies.
As the example above demonstrates, if you buy coverage from Erie and switched to USAA, you may see yearly savings of upwards of $18. Drivers with Progressive could save as much as $309 a year, and Utica National policyholders might reduce rates by $347 a year.
To find out how your current rates compare, click here to get a free quote or visit any of the low-priced companies below.
It’s important to note that these prices are averages across all drivers and vehicles and are not factoring in an exact zip code location for a Subaru Outback. So the auto insurance company that has the cheapest rates for you may not even be in the top 20 companies in the list above. That underscores the importance of why you need to get quotes using your own driver and vehicle profiles.
Discounts on Buffalo insurance
Insurers that offer coverage for a Subaru Outback may provide premium discounts that could lower prices by as much as 25% or more if you meet specific eligibility requirements. A list of companies and the discounts they provide are included below.
- Farm Bureau may have discounts that include 55 and retired, youthful driver, driver training, multi-vehicle, renewal discount, safe driver, and good student.
- MetLife discounts include multi-policy, good student, claim-free, accident-free, defensive driver, good driver
- Progressive offers discounts for continuous coverage, multi-policy, multi-vehicle, homeowner, online signing, online quote discount, and good student.
- AAA has discounts for good student, pay-in-full, anti-theft, education and occupation, and good driver.
- American Family policyholders can earn discounts including Steer into Savings, accident-free, defensive driver, mySafetyValet, air bags, and bundled insurance.
- GEICO offers discounts including anti-theft, military active duty, emergency military deployment, membership and employees, and seat belt use.
- State Farm has savings for Steer Clear safe driver discount, passive restraint, good driver, anti-theft, and defensive driving training.
The example below shows the difference between insurance costs with and without discounts being applied to the rates. The costs are based on a male driver, no violations or accidents, New York state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with marriage, safe-driver, claim-free, multiple policy, passive restraint, and vehicle safety discounts applied. With discounts applied, the average savings per year on auto insurance for a Subaru Outback is 28% or $372.
Can you find cheaper Outback insurance?
Buffalo auto insurance rates are calculated based on many things that may substantially change the cost of having a policy. Improving your credit rating, moving across town, or getting a reckless driving citation may prompt premium changes that may make certain companies more affordable than the competition.
In addition, companies change their prices as needed to adjust for gains or losses. Higher than normal claim frequency or severity may cause high rates, while lower claim levels can cause cheaper Outback insurance rates.
For example, the graph below analyzes the cheapest car insurance in Buffalo, NY for a 45-year-old male driver with a clean driving record, no accidents, and a high credit rating. Based on his personal risk profile, USAA may offer the best car insurance rates in Buffalo at $1,934 per year. This is $141 less than the average rate paid by New York drivers of $2,075. Erie, Utica National, Progressive, and Travelers are the rest of the most affordable Buffalo, NY auto insurance companies.
The chart below compares rates after we give the driver from the first set of rates a chargeable claim, less-than-perfect credit, and a stop sign violation. Because each company uses their own calculation to set premium rates, analyzing rates will most likely result in a different list of the cheapest Buffalo car insurance companies as shown below.
Amica now has the cheapest insurance rate in Buffalo, NY with MetLife, Preferred Mutual, Erie, and New York Central Mutual also having competitive pricing. This illustrates why Buffalo drivers need to compare many different companies to get the most economical insurance rates for a Subaru Outback. Insurance rates consist of many risk factors and can increase or decrease at any time, so the cheapest company the last time you checked may now be quite expensive.