Finding economical car insurance for a Subaru Outback in California hinges on a pretty complex algorithm that uses a lot of factors such as how safe your vehicle is, your claims history, and your choice of deductibles. Drivers in California will pay on average $1,221 each year for Outback insurance, but that cost is an approximation based upon a 30-year-old single male driver with full physical damage coverage and $1,000 deductibles.
But there is a high likelihood that you are not 30 and maybe not even a male, married instead of single, or you just prefer to insure for liability only. Just a minor difference in rating variables or coverage information can result in a large change in the price of coverage.
This example demonstrates why the best way to find cheap auto insurance rates for your Subaru is to just take the time to compare rates yourself. Quotes are always free and you will get price quotes from some of the best companies in California.
The trim level of your Outback tends to impact the yearly cost, so the rate you pay to insure a Outback 2.5I trim level will be $158 less than the price to insure the higher-priced Outback 3.6R Limited trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $272 | $298 | $578 | $34 | $174 | $1,356 | $113 |
| Outback 2.5I Premium | $272 | $362 | $578 | $34 | $174 | $1,420 | $118 |
| Outback 2.5I Limited | $272 | $362 | $578 | $34 | $174 | $1,420 | $118 |
| Outback 3.6R | $272 | $362 | $578 | $34 | $174 | $1,420 | $118 |
| Outback 3.6R Premium | $272 | $362 | $578 | $34 | $174 | $1,420 | $118 |
| Outback 3.6R Limited | $302 | $426 | $578 | $34 | $174 | $1,514 | $126 |
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in garaging location in Long Beach which can alter coverage rates considerably.
Ending up with the best auto insurance company can be challenging considering how many different companies insure vehicles in Long Beach. The ranking data displayed below could help you decide which insurers to look at comparing rate quotes with. The ratings below are only made up of the companies with a significant amount of written premium nationwide, so smaller regional companies are not factored into the list.
Top 10 Large Auto Insurers in Long Beach Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Top 10 Large Auto Insurers in Long Beach Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
The diagram below illustrates how your deductible choice can affect insurance rates when trying to find cheap insurance for a Subaru Outback. The premium estimates are based on a married female driver, full coverage, and no other discounts are factored in.
The chart above illustrates that a 30-year-old driver could cut expenses by $434 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $656 by changing to a $1,000 deductible. Even younger drivers, such as the Age 20 example, could shave $930 annually just by using higher deductibles.
When increasing deductibles, it will be necessary to have plenty of money set aside to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Types of discounts on Long Beach car insurance rates
Insurance providers that offer quotes for a Subaru Outback may additionally offer rate discounts that can lower rates by as much as 35% or more if you meet the requirements. A list of auto insurance companies and a partial list of their discounts can be found below.
- State Farm has discounts for Steer Clear safe driver discount, driver’s education, good driver, multiple policy, safe vehicle, student away at school, and accident-free.
- Liberty Mutual has savings for teen driver discount, new graduate, exclusive group savings, preferred payment discount, newly retired, and hybrid vehicle.
- American Family may have discounts that include multi-vehicle, bundled insurance, Steer into Savings, defensive driver, and early bird.
- Progressive offers discounts for continuous coverage, good student, online signing, multi-policy, multi-vehicle, homeowner, and online quote discount.
- Farmers Insurance may offer discounts for good student, mature driver, teen driver, multi-car, distant student, electronic funds transfer, and youthful driver.
- Auto-Owners Insurance offers premium reductions for group or association, company car, paperless, safe driver, multiple vehicles, and multi-policy.
- SAFECO may include discounts for teen safe driver, anti-lock brakes, accident prevention training, drive less, teen safety rewards, and safe driver.
The information below illustrates the comparison of yearly insurance costs with and without discounts applied to the policy rates. The data assumes a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with homeowner, passive restraint, accident-free, defensive driving course, multiple vehicle, and anti-theft discounts applied. When these discounts are applied, theaverage amount saved on auto insurance for a Subaru Outback is 28% or $873.
Why you should compare rates
California auto insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay. Turning one year older, increasing deductibles, or getting a DUI may cause policy rate changes that can cause some rates to be cheaper than competitors. Not only may your risk profile change, but car insurance companies change premium rates as often as every three months in order to remain profitable. Larger than normal claims can cause higher rates, while a better loss history may produce cheaper Outback insurance rates.
For instance, the data below compares the cheapest car insurance in Long Beach, CA for a 45-year-old female driver with no prior accidents, a clean driving record, and excellent credit. When quoting prices based on her current situation, USAA quotes the best car insurance rates in Long Beach at $1,362 each year. This is $289 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the best Long Beach, CA auto insurance companies.
In this next rate comparison, we will give the driver from the first set of rates an at-fault accident, less-than-perfect credit, and a stop sign violation. Since each company uses a different method for determining rates, comparing quotes may now result in a significantly different list of the cheapest Long Beach car insurance companies as shown below.
Grange now has the best auto insurance rate in Long Beach, CA with Progressive, Allied, Mercury, and Allstate also having competitive pricing. This example demonstrates why it is so important to compare rates to find cheap insurance rates for a Subaru Outback. Rates are impacted by many risk factors and can decrease or increase without notice, so the most affordable company the last time you checked may now be costing you a lot of money.
How to find the cheapest insurance for a Subaru Outback
The list below summarizes some of the recommended money-saving ideas that can help drivers buy cheaper car insurance.
- Violations like speeding or DUI increase rates
- Bundle home and auto and save
- Raise comprehensive and collision coverage deductibles
- Avoid preventable accidents
- Higher credit scores can equal lower rates
- Pay less by remaining claim-free
- Shop your coverage around for the best deal
The last idea is incredibly vital, as was pointed out in the article above. Auto insurance rates can change significantly in a year, so drivers shouldn’t hesitate to buy from a new company if a more affordable price is available.
Staying with the same car insurance company is fine, but it’s not a great idea if that faithfulness ends up costing you several hundred dollars every year. If you have a few minutes, shop around to find cheaper insurance for a Subaru Outback in Long Beach.
If you would rather have a little guidance when comparing insurance rates for a Subaru Outback, the insurance agencies below can probably help you decide which coverage fits your budget. To locate a Long Beach car insurance agency close to you, click the button below the list or click here to compare rates now.
- Farmers Insurance – Debra Gonzalez
6390 E Willow St – Long Beach, CA 90815 – (562) 795-0488 - Earl Jordan – State Farm Insurance Agent
2545 E Broadway – Long Beach, CA 90803 – (562) 434-0911 - Farmers Insurance: Kimberly Terrell
4425 Atlantic Ave – Long Beach, CA 90807 – (310) 567-7726 - Brad Garofalo – State Farm Insurance Agent
2221 Palo Verde Ave Ste 2D – Long Beach, CA 90815 – (562) 280-0488 - Global Guard Insurance
1310 Pine Ave d – Long Beach, CA 90813 – (562) 591-5181