Buying the best cheap car insurance for a Subaru Outback is pretty straightforward, but it relies on a lot of factors such as the mileage of your daily commute, if you have prior claims, and if you have tickets or violations. Drivers in North Carolina pay around $779 a year for Outback insurance, but that price is based upon a 40-year-old single female driver with full coverage and $500 deductibles.
This brings up the issue that more than likely you may not be 40 years old (or even female), possibly married instead of single, or maybe you are just looking for cheap liability insurance. Even a slight change in the factors used in pricing a policy could end up with a large change in rates.
This demonstrates why the way we recommend to find the cheapest rates for your Subaru is to compare as many rates as possible. Price quotes are quick and you will be able to compare rates from top-rated companies available.
The trim level of your Subaru will likely have an effect on the insurance rate, so the rate you will pay to insure a Outback 2.5I model will be $124 less expensive the insurance cost for the high end Outback 3.6R Limited version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $170 | $242 | $324 | $20 | $96 | $852 | $71 |
| Outback 2.5I Premium | $170 | $296 | $324 | $20 | $96 | $906 | $76 |
| Outback 2.5I Limited | $170 | $296 | $324 | $20 | $96 | $906 | $76 |
| Outback 3.6R | $170 | $296 | $324 | $20 | $96 | $906 | $76 |
| Outback 3.6R Premium | $170 | $296 | $324 | $20 | $96 | $906 | $76 |
| Outback 3.6R Limited | $188 | $348 | $324 | $20 | $96 | $976 | $81 |
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Estimates do not factor in garaging location in Raleigh which can alter prices greatly.
North Carolina insurance companies
Picking a high-quality insurer can be challenging considering how many choices there are in Raleigh. The information displayed below may help you decide which car insurance providers you want to consider when comparing rates.
These ratings only include companies that insure vehicles across America, so smaller regional companies are not factored into the list. To compare prices from these and other competitive companies, simply click here.
Top 10 Large Car Insurance Companies in Raleigh Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- Nationwide – A+
- The Hartford – A+
- Allstate – A+
Top 10 Large Car Insurance Companies in Raleigh Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
- The Hartford – 87%
Difference between full coverage and liability only rates
Reducing the cost of insurance is the goal of the majority of people, and one easy way to pay lower rates for insurance for a Subaru Outback is to not pay for full coverage. The illustration below illustrates the difference between insurance premiums with full coverage compared to only the North Carolina minimum liability coverage. The information is based on no claims or driving citations, $100 deductibles, drivers are not married, and no discounts are applied.
If the expense is averaged for all age categories, physical damage coverage on your policy costs $1,734 per year more than just insuring for liability. At some point, about every driver wonders if buying full coverage is a good investment. There isn’t a steadfast formula for excluding physical damage coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
There are a few situations where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Compare rates to save
Raleigh insurance rates are influenced by many factors that control your annual premium. Simply turning a year older, buying higher coverage limits, or getting a reckless driving citation can cause premium changes resulting in some companies being cheaper than competitors.
In addition, auto insurance companies amend premium rates every year or even multiple times each year to ensure their profitability. Higher than usual claims may cause additional premium costs, while profitable underwriting can cause cheaper Outback insurance rates.
For instance, the bar chart below shows the cheapest car insurance in Raleigh, NC for a 35-year-old female driver with a good driving record, no prior claims, and a good credit rating. If we estimate rates based on her personal risk profile, Utica National has the most affordable car insurance rates in Raleigh at $691 a year. This is $181 less than the average premium paid by North Carolina drivers of $872. Progressive, Liberty Mutual, NC Farm Bureau, and GEICO are also on the list of the most affordable Raleigh, NC auto insurance companies.
In the next rate comparison, we’ll give the driver from the first example an at-fault accident, less-than-perfect credit, and a stop sign violation. Since each auto insurer has a proprietary formula to set premium rates, comparing quotes may now result in a different ranking of companies as shown below.
Penn National now has the cheapest insurance rate in Raleigh, NC with State Farm, Auto-Owners, Allied, and National General also being competitive. This example illustrates why drivers need to shop around to find the most affordable car insurance rates for a Subaru Outback. Auto insurance prices are impacted by many risk factors and change frequently, so the cheapest option the last time you shopped your coverage around may now not even be in the top five.
The insurance agencies listed below are a good start to answer your questions and help you decide which insurance coverage will be best for you, since lots of people like to have the advice of a professional agent when buying car insurance for a Subaru Outback. It can be complicated to find the best policy yourself, so professional agents can provide peace of mind knowing your coverage gives you enough coverage when you need it.
To find an agent close to you, click the button after the list or click here to compare prices now.
Matt Roberts Agency, Inc.
1151 Falls River Avenue, Suite 105-A – Raleigh, NC 27614 – (919) 845-2999
Alex Burt – State Farm Insurance Agent
3021 Berks Way #102 – Raleigh, NC 27614 – (919) 435-1417
Protective Agency
2026 New Bern Ave – Raleigh, NC 27610 – (919) 231-2281
Find a Raleigh, NC insurance agent near you
Tips for finding budget-friendly car insurance for a Subaru Outback
The list below shows a few penny-pinching suggestions that can help drivers buy cheap car insurance.
- Keep your driving record clean
- Don’t have frequent claims
- Assess whether full coverage is needed
- Increase physical damage deductibles
- Maintain a safe distance and avoid accidents
- Shop around for lower rates once a year
The last item on the list is very critical, as was affirmed in this article. Auto insurance rates in Raleigh change a lot, so don’t be tentative to switch to a new company if you can find a cheaper rate. Having a favorite company is great, but we do not recommend it if that devotion results in you overpaying a wad of cash every year. It only takes a couple minutes to shop around and find cheaper car insurance for a Subaru Outback.