How Much are Cincinnati Auto Insurance Rates for a Subaru Outback?

Buying cheaper car insurance for a Subaru Outback in Ohio is dependent upon a large number of rating criteria such as whether you are married, the size of your vehicle, and any prior driving offenses you have. Ohio drivers pay around $647 per year to insure their Outback, but that figure is an estimate using a 50-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.

There’s a good chance you aren’t exactly 50 years old or even a female, you might be single instead of married, or maybe you have a speeding ticket that needs to be factored in. Not everyone needs the same coverages, so the only real way to find the cheapest coverage for your Subaru is to compare rates from as many companies as possible.

Find Cheaper Subaru Outback Insurance

The specific trim level tends to impact the insurance rate, so the price you will pay to insure a Outback 2.5I trim level will be $124 less expensive the price to insure the more expensive Outback 3.6R Limited model, as shown below.

Subaru Outback Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $170 $240 $214 $12 $64 $700 $58
Outback 2.5I Premium $170 $292 $214 $12 $64 $752 $63
Outback 2.5I Limited $170 $292 $214 $12 $64 $752 $63
Outback 3.6R $170 $292 $214 $12 $64 $752 $63
Outback 3.6R Premium $170 $292 $214 $12 $64 $752 $63
Outback 3.6R Limited $190 $344 $214 $12 $64 $824 $69
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in vehicle garaging location which can impact premium rates significantly.

Finding out which companies have the cheapest car insurance rates for a Subaru Outback will take a little more sweat than just quoting one company’s rates. Every insurance provider uses their own calculation for determining prices, so to begin we’ll rank the overall cheapest car insurance companies in Cincinnati.

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Rankings for the cheapest Ohio auto insurance companies
Rank Company Cost Per Year
1 Utica National $628
2 Erie $661
3 Allied $676
4 Frankenmuth $708
5 USAA $711
6 Travelers $733
7 Merchants Insurance Group $748
8 Cincinnati Insurance $749
9 Motorists Mutual $792
10 General Casualty $805
11 Grange Mutual $812
12 State Farm $867
13 Central Mutual $874
14 Hastings Mutual $884
15 Atlantic States $913
16 Westfield $936
17 Progressive $962
18 Western Reserve $970
19 Auto-Owners $998
20 Farmers $1,025
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Utica National normally has some of the best car insurance rates in Cincinnati at around $628 each year. This is $412 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and USAA would also make the list of some of the best Cincinnati, OH insurance companies.

As shown above, if you currently have coverage with USAA and switched to Erie, you may see an annual premium reduction of in the vicinity of $50. Customers with Travelers could save as much as $72 a year, and Merchants Insurance Group customers might cut rates by $87 a year.

To see how much you can save, click here to get a free quote or visit any of the companies below.

Understand that those prices are averaged for all drivers and vehicles and are not factoring in an exact vehicle garaging location for a Subaru Outback. So the car insurance company that has the lowest price for you may not even be in the top 33 companies shown above. That point stresses why you need to get quotes using your own specific driver information and vehicle.

Cost difference between full coverage and liability

Saving money on car insurance is probably important to the majority of drivers, and an easy way to reduce the cost of insurance for a Subaru Outback is to not buy full coverage. The chart below shows the difference between auto insurance costs when comparing full coverage to liability only. The rates are based on no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

Averaged out for all age groups, full coverage on your policy costs $1,231 per year more than just buying liability only. That is a big expense that brings up the question if it’s a good idea to buy full coverage. There is no written rule for excluding comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

The diagram below illustrates how your choice of deductibles can change premium costs when quoting cheap insurance for a Subaru Outback. The premiums assume a married male driver, full physical damage coverage, and no other discounts are factored in.

A 40-year-old driver could lower rates by $172 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $264 by using a $1,000 deductible. Youthful drivers, like the age 20 example, could shave as much as $564 or more by choosing larger deductibles on their policy.

When using a larger deductible, it is a good idea to have spare funds to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Tips for finding the cheapest car insurance for a Subaru Outback

It’s not impossible to find cheaper rates, and here are many penny-pinching solutions that can help Cincinnati drivers locate more affordable coverage.

That final tip is especially vital, as was stressed in this article. Auto insurance prices fluctuate constantly, so drivers shouldn’t hesitate to change insurance companies if a better deal can be had. Staying with the same car insurance company is fine, but it’s not recommended if that devotion results in you overpaying hundreds every year. In just a few minutes you could compare prices and find cheaper car insurance for a Subaru Outback in Cincinnati.

If you wish to get some professional input when shopping for the best coverage for a Subaru Outback, the agents shown below can most likely answer your questions and help you decide which coverages and limits you need.

To locate an agency close to where you live, click the button following the list or click here to compare price quotes now.

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