What Insurance is Cheapest for a Subaru Outback in Arlington?

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Buying cheap auto insurance for a Subaru Outback depends on lots of different factors such as how many years you have been driving, where you live, and any past driving violations you may have had. Texas drivers pay approximately $1,311 annually to insure their Outback, but that amount is a valuation calculated based on a 40-year-old single male driver with both comprehensive and collision coverage and $250 deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not 40 and maybe not even a male, married instead of single, or maybe you rent instead of own your home. Even a minor change in rating factors or requested coverage amount may result in significant differences in the cost of insuring your Outback.

Having different needs demonstrates why the way we recommend to find the cheapest rates for your Subaru is to just compare rates yourself.

Insure Your Subaru for Less

The trim level of your Outback will influence the insurance rate, so the price to insure a Outback 2.5I model will be $240 cheaper than the price to insure the higher-end Outback 3.6R Limited trim level, as shown by the rates below.

Subaru Outback Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $326 $468 $462 $28 $138 $1,422 $119
Outback 2.5I Premium $326 $570 $462 $28 $138 $1,524 $127
Outback 2.5I Limited $326 $570 $462 $28 $138 $1,524 $127
Outback 3.6R $326 $570 $462 $28 $138 $1,524 $127
Outback 3.6R Premium $326 $570 $462 $28 $138 $1,524 $127
Outback 3.6R Limited $362 $672 $462 $28 $138 $1,662 $139
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price estimates do not factor in zip code location which can modify price quotes noticeably.

Best car insurance company in Texas

Picking the right auto insurance company can be rather challenging considering how many different companies insure vehicles in Texas. The company information in the next section may help you select which insurers you want to consider comparing price quotes from. These ratings are only made up of the largest companies in America, so companies that only write business in Texas or surrounding areas are not taken into consideration for these rankings.

Top 10 Large Auto Insurance Companies in Arlington Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Top 10 Large Auto Insurance Companies in Arlington Ranked by Customer Satisfaction

  1. USAA - 91%
  2. AAA Insurance - 90%
  3. Esurance - 90%
  4. Mercury Insurance - 89%
  5. Nationwide - 89%
  6. Travelers - 88%
  7. Progressive - 88%
  8. Safeco Insurance - 88%
  9. State Farm - 88%
  10. Allstate - 88%

The illustration below demonstrates how deductibles can impact annual premium costs when trying to find cheap insurance for a Subaru Outback. The prices are based on a married female driver, comp and collision included, and no policy discounts are applied.

The data above shows that a 50-year-old driver could save $320 a year by increasing from a $100 deductible up to a $500 deductible, or save $486 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 category, could drop their prices $802 every year just by choosing larger deductibles.

When using a larger deductible, it is important to have additional savings on hand to be able to pay the extra out-of-pocket expense associated with higher deductibles.

Last year's bargain might be this year's rip off

Texas car insurance rates are impacted by many factors that control the cost of a policy. Turning one year older, buying higher coverage limits, or getting a couple of tickets can trigger price changes that can now make some companies much cheaper than others.

Not only may your situation change, but car insurance companies change the rates they charge in Texas every year to adjust for heavy claims or excess profits. Unexpectedly high claims can cause high rates, while better underwriting can cause lower-cost Outback insurance rates.

For example, the data below shows a variety of companies that have the cheapest car insurance in Arlington, TX for a 40-year-old female driver with a clean driving record, no accidents, and excellent credit. When comparing rates based on her current situation, Travelers might quote the cheapest car insurance rates in Arlington at $1,138 a year. This is $766 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also on the list of the top five cheapest Arlington, TX auto insurance companies.

In this next rate comparison, we will give the driver in the first example a chargeable claim, slightly worse credit, and a speeding ticket. Since each auto insurance company has a proprietary formula for establishing rates, getting updated rate quotes could result in a slightly different list of affordable companies as shown below.

Mercury now has the best price on car insurance in Arlington, TX with State Farm, Nationwide, USAA, and Safe Auto also being competitive. This example proves why it is so important to shop around when trying to get the cheapest car insurance rates for a Subaru Outback.

Insurance rates are calculated by many different factors and can decrease or increase without notice, so the cheapest rate six months ago may now be an over-priced policy.