Buying cheaper auto insurance for a Subaru Outback in Texas hinges on lots of different factors such as whether you are single or married, the condition of your credit, and driving violations and tickets. Drivers in Texas will pay around $1,336 annually for Outback insurance, but that price is a valuation calculated based on a 40-year-old single female driver with full coverage and $250 deductibles.
There is a good probability you’re not a 40-year-old female, you might be married instead of single, or maybe you prefer to not insure for full coverage. Insurance is an individual thing, so the best way to find the cheapest insurance price for your Subaru is to put in the effort to do a thorough rate comparison.
Your Subaru’s trim level will have an impact the coverage cost, so the price you will be charged to insure a Outback 2.5I model will be $238 less expensive the insurance cost for the higher-priced Outback 3.6R Limited trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $318 | $460 | $496 | $30 | $148 | $1,452 | $121 |
| Outback 2.5I Premium | $318 | $560 | $496 | $30 | $148 | $1,552 | $129 |
| Outback 2.5I Limited | $318 | $560 | $496 | $30 | $148 | $1,552 | $129 |
| Outback 3.6R | $318 | $560 | $496 | $30 | $148 | $1,552 | $129 |
| Outback 3.6R Premium | $318 | $560 | $496 | $30 | $148 | $1,552 | $129 |
| Outback 3.6R Limited | $356 | $660 | $496 | $30 | $148 | $1,690 | $141 |
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Table data does not factor in Lubbock location which can alter insurance rates greatly.
Choosing the right auto insurance company can be challenging considering how many companies sell coverage in Texas. The company rank data in the next section could help you choose which providers you want to consider comparing rate quotes with.
The ratings below are for companies that write coverage in many states, so companies that have a smaller presence will not be included in these rankings. If you would like to check rates from these top-rated insurers and more, click this link.
Top 10 Large Auto Insurance Companies Overall in Lubbock
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Get discount Lubbock auto insurance
Auto insurance companies that provide policies for a Subaru Outback may also give you policy discounts that could reduce prices by 30% or more if you are eligible to receive them. Companies and some of their more popular discounts include:
- State Farm policyholders can earn discounts including good driver, good student, safe vehicle, student away at school, and accident-free.
- Liberty Mutual discounts include preferred payment discount, safety features, multi-policy, new move discount, multi-car, new graduate, and good student.
- American Family may have discounts that include good student, bundled insurance, multi-vehicle, accident-free, defensive driver, and mySafetyValet.
- Progressive has savings for online signing, multi-vehicle, homeowner, continuous coverage, multi-policy, and online quote discount.
- Farmers Insurance offers discounts for mature driver, electronic funds transfer, alternative fuel, youthful driver, pay in full, and teen driver.
- Auto-Owners Insurance has discounts for paperless, safe vehicle, group or association, student away at school, anti-theft, and company car.
- SAFECO offers premium reductions for homeowner, anti-theft, safe driver, drive less, bundle discounts, multi-car, and accident prevention training.
The example below compares insurance rates with and without discounts applied to the policy rates. The information is based on a male driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, safe-driver, defensive driving course, claim-free, vehicle safety, and homeowner discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on insurance for a Subaru Outback is 28% or $726.
Why you should compare rates
Lubbock insurance rates are influenced by many factors which can significantly increase or decrease the cost of your policy. Improving your credit score, moving across town, or getting a ticket for careless driving can trigger rate changes resulting in some rates now being affordable when they were higher priced. Not only may things change on your end, but companies change premium rates every year in order to be able to pay unexpected claims. Higher than normal claims can cause increased rates, while long-term profits can cause lower-priced Outback insurance rates.
The chart below shows a variety of companies that have the cheapest car insurance in Lubbock, TX for a 30-year-old female driver with no violations or accidents, and a decent credit rating. When comparing rates based on her personal profile, Travelers might offer the cheapest car insurance rates in Lubbock at $1,168 annually. This is $736 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the rest of the top five cheapest Lubbock, TX auto insurance companies.
In this next rate comparison, we will give the driver from above an accident surcharge, less-than-perfect credit, and a speeding ticket. Since every insurance provider uses their own formula for determining prices, comparing insurance quotes could result in a completely different list of the cheapest Lubbock car insurance companies as shown below.
Mercury now has the cheapest price in Lubbock with State Farm, USAA, Safe Auto, and Nationwide now rounding out the top five. This demonstrates why it is critical to shop around when trying to find the lowest car insurance rates for a Subaru Outback. Prices are impacted by many factors and can decrease or increase without notice, so the best option six months ago may now not even be in the top five.