Finding the cheapest coverage for a Subaru Outback in Indiana doesn't take a lot of effort, but it relies on a lot of rating criteria such as the mileage of your daily commute, whether or not you garage your vehicle, and violations on your driving record. Drivers will pay around $986 each year to insure their Outback, but that amount is a valuation calculated based on a 30-year-old single male driver with full physical damage coverage and $250 deductibles.
But there is a good chance that you are not 30 and maybe not even a male, you might be married instead of single, or maybe you just want different deductibles. Just a very minor change in the criteria used to calculate rates can result in a large change in the amount insurance costs for a Subaru Outback.
The different assumptions illustrate why the only real way to find affordable rates for your Subaru is to do a thorough rate comparison. In less than five minutes you will receive prices from top-rated companies in Indiana.
The specific model of Outback will likely have an effect on the cost of coverage, so the price you will be charged to insure a Outback 2.5I model will be $160 cheaper than the cost to insure the higher-priced Outback 3.6R Limited version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outback 2.5I Premium||$280||$366||$368||$22||$110||$1,146||$96|
|Outback 2.5I Limited||$280||$366||$368||$22||$110||$1,146||$96|
|Outback 3.6R Premium||$280||$366||$368||$22||$110||$1,146||$96|
|Outback 3.6R Limited||$310||$430||$368||$22||$110||$1,240||$103|
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in specific zip code location which can impact coverage prices noticeably.
Indiana car insurance companies
Buying coverage from the best car insurance provider can be challenging considering how many different companies there are to choose from in Indiana. The company ratings in the next section may help you choose which insurers you want to consider when trying find the best insurance for a Subaru Outback. The ratings below are for major nationwide insurance companies, so companies with more of a regional focus are not factored into this list.
Top 10 Major Auto Insurers in Indiana Ranked by Customer Service
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Liberty Mutual
- Erie Insurance
Top Companies for Subaru Outback Insurance in Indiana
Full coverage versus liability only rates
Reducing the cost of car insurance is probably important to most vehicle owners, and one of the best ways to pay lower rates for insurance for a Subaru Outback in Indiana is to buy only liability coverage. The information below compares car insurance rates when comparing full coverage to liability only. The price estimates are based on no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
If the expense is averaged for all age categories, full coverage on your policy costs an extra $1,501 per year more than buying just liability insurance. That amount may make you wonder if paying for full coverage is a waste of money. There is no clear-cut formula of when to stop paying for physical damage coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then you might consider buying liability only.
There are some cases where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.
Shop around and save
Indiana car insurance rates are calculated based on many things which can substantially change the price you have to pay for coverage. Improving your credit rating, buying a different vehicle, or having an at-fault accident may generate price changes resulting in some companies being cheaper than competitors. In addition, car insurance companies file new Indiana auto insurance rates as needed in order to offset underwriting gains or losses. Higher than usual claims may cause more expensive premiums, while a better loss history can produce lower-priced Outback insurance rates.
The chart below shows which company has the cheapest car insurance in Indiana for a 30-year-old female driver with no prior claims, no tickets, and solid credit. When quoting prices based on her current risk factors, Travelers may have the most affordable car insurance rates in Indiana at $596 per year. This is $644 less than the average rate paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Western Reserve are also included in the top five cheapest Indiana auto insurance companies.
The next chart shows rates after we give the driver in the first example an at-fault accident, bad credit, and a speeding ticket. Since every insurance provider uses a different method to set their prices, analyzing rates could result in a completely different list of the cheapest car insurance companies in Indiana as shown below.
Indiana Farmers Mutual now has the best price on car insurance in Indiana with Auto-Owners, State Farm, Cincinnati Insurance, and Nationwide also having competitive pricing. This example proves why consumers need to take the time to shop around when trying to get the most affordable auto insurance rates for a Subaru Outback. Insurance prices are determined by many factors and change substantially, so the best company when you bought your policy may now not even be in the top five.