Buying affordable auto insurance for a Subaru Outback is dependent upon lots of different factors such as how many miles you drive each year, the performance level of your vehicle, and your choice of physical damage deductibles. North Carolina drivers will pay on average $953 annually for Outback insurance, but that is an estimate based upon a 30-year-old single male driver with full coverage and $100 deductibles.
But there is a good chance that you’re not a 30-year-old male, maybe you are married instead of single, and you need different coverage limits than the sample rates. Have just a small change in rating criteria or coverage limits can make a large difference in policy price.
Not everyone needs the same coverages, so the only way to find the cheapest coverage for your Subaru is to just compare rates yourself.
Your Subaru’s trim level will have an impact the cost of insurance, so the rate you pay to insure a Outback 2.5I trim level will be $170 less than the cost to insure the more expensive Outback 3.6R Limited version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $276 | $318 | $326 | $20 | $98 | $1,038 | $87 |
| Outback 2.5I Premium | $276 | $386 | $326 | $20 | $98 | $1,106 | $92 |
| Outback 2.5I Limited | $276 | $386 | $326 | $20 | $98 | $1,106 | $92 |
| Outback 3.6R | $276 | $386 | $326 | $20 | $98 | $1,106 | $92 |
| Outback 3.6R Premium | $276 | $386 | $326 | $20 | $98 | $1,106 | $92 |
| Outback 3.6R Limited | $308 | $456 | $326 | $20 | $98 | $1,208 | $101 |
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rates do not factor in Charlotte location which can affect prices greatly.
Best car insurance company in Charlotte
Ending up with a good quality insurance provider can be challenging considering how many companies there are in Charlotte. The company information listed below may help you pick which car insurance providers you want to consider buying from.
The rankings below are only comprised of the largest companies in America, so companies that have a smaller presence are not taken into consideration for these rankings. To compare prices and find cheaper insurance for a Subaru Outback, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
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Data Source: Insure.com Best Car Insurance Companies
Rate comparison of full coverage and liability-only
Saving on car insurance is probably important to most drivers, and one way to buy cheaper insurance for a Subaru Outback is to buy only liability coverage. The example below shows the comparison of insurance costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no violations or accidents, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
As an overall average, full coverage costs $1,421 per year more than just insuring for liability. That proposes the question if it’s worth it to buy full coverage. There is no set rule to stop paying for physical damage coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
How careless driving impacts car insurance rates
The ideal way to get affordable car insurance prices for an Outback is to drive safe and avoid tickets and accidents. The illustration below demonstrates how traffic citations and at-fault claims impact yearly insurance costs for each age group. The data assumes a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
In the prior example, the average cost of a car insurance policy per year with no accidents or violations is $971. Get written up for one speeding ticket and the average cost increases to $1,132, an increase of $161 each year. Then add in two accidents along with the one speeding ticket and the annual cost of car insurance for a Subaru Outback goes up to an average of $2,631. That’s an increase of $1,660, or $138 per month, just for not being a responsible driver!
Your low-price policy may be costing you money
North Carolina car insurance rates are calculated based on many things which can substantially change the price you pay. Simply having a birthday, moving across town, or having an at-fault accident can cause premium changes resulting in some companies being cheaper in comparison to the competition.
In addition to those changes, insurers file new North Carolina auto insurance rates without warning as an adjustment for underwriting gains or losses. A period of increased losses may cause high rates, while a lower level of claims may result in cheaper Outback insurance rates.
The chart below shows the companies that have the cheapest car insurance in Charlotte, NC for a 35-year-old male driver with no accidents or violations, and a good credit rating. If we compare prices based on his current rating profile, Utica National offers the cheapest car insurance rates in Charlotte at $768 each year. This is $104 less than the average policy premium paid by North Carolina drivers of $872. Progressive, Liberty Mutual, NC Farm Bureau, and Penn National are the remaining cheapest Charlotte, NC auto insurance companies.
Now let’s give the driver from above a chargeable claim, bad credit, and a traffic citation. Due to the fact that every insurance company uses a different method for determining rates, analyzing rates may now show a significantly different list of the cheapest companies as shown below.
Titan now has the cheapest car insurance in Charlotte, NC with State Farm, Auto-Owners, Erie, and National General also being competitive. This demonstrates why it is crucial to compare many different companies when trying to find the most budget-friendly insurance rates for a Subaru Outback.
Auto insurance prices are determined by many things and can change substantially, so the cheapest company a year ago may now be one of the more expensive options.
How to find more affordable car insurance for a Subaru Outback
The list below summarizes some of the better money-saving ideas that can help Charlotte drivers buy cheap coverage.
- Higher comprehensive and collision coverage deductibles will save money
- Safer vehicles generally have cheaper insurance rates
- Do not waste money insuring older vehicles for full coverage
- Improve your credit score
- Do not file small claims
- Save money by bundling your home and auto policies
- Compare prices frequently to find the best deal
That last idea is notably critical, as we emphasized in the prior information. Coverage rates vary greatly, so drivers shouldn’t be resistant to buy from a different company if a lower-cost policy is available.
Being loyal to a particular company is commendable, but is isn’t recommended if that inflexibility results in costing you money that could be spent on other things. If you have a few minutes, now is a great time to compare prices to find cheaper car insurance for a Subaru Outback in Charlotte.
If you aren’t sure which coverage to buy and prefer to get some help when shopping for cheaper insurance for an Outback, the insurance agencies below are willing to provide answers to your questions and help you determine which coverage fits your budget. To locate a Charlotte auto insurance agent by location nearest to you, click the link at the bottom.
Craig and Preston Insurance Agency
2210 Coronation Blvd Suite A – Charlotte, NC 28227 – (704) 321-2900
Denis Wilson – State Farm Insurance Agent
1850 E 3rd St #360 – Charlotte, NC 28204 – (704) 376-4088
Honeycutt Insurance Agency
3121 Springbank Ln F – Charlotte, NC 28226 – (704) 752-8233