Finding economical auto insurance for a Subaru Outback in Ohio is pretty simple, but it is dependent upon a large number of factors such as miles driven annually, whether or not you have filed claims in the past, and physical damage deductibles. Drivers in Ohio pay approximately $855 annually for Outback insurance, but that cost is an estimation based upon a 40-year-old single male driver with full coverage and $100 deductibles.
If we were betting, you are not 40 years old and maybe not even male, married instead of single, or maybe you don’t qualify for the same discounts. Even a slight change in the criteria used to calculate rates could end up with a large change in the price of coverage.
Auto insurance requires individual risk assessment, so the only way to find the cheapest insurance price for your Subaru is to compare as many rates as you can. Get a free quote now and you can get rates from top-rated companies that insure Subaru vehicles in Ohio.
The specific trim level will most likely have an effect on the cost of coverage, so the price to insure a Outback 2.5I will be $168 cheaper than the insurance cost for the higher-end Outback 3.6R Limited model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outback 2.5I Premium||$216||$406||$274||$16||$82||$994||$83|
|Outback 2.5I Limited||$216||$406||$274||$16||$82||$994||$83|
|Outback 3.6R Premium||$216||$406||$274||$16||$82||$994||$83|
|Outback 3.6R Limited||$240||$478||$274||$16||$82||$1,090||$91|
|Get Your Own Custom Quote Go|
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in specific Cleveland garaging location which can decrease or increase auto insurance rates substantially.
Buying coverage from a highly-rated car insurance provider can be difficult considering how many companies there are in Ohio. The company rank data below may help you analyze which coverage providers to look at buying from. These rankings only include companies with a nationwide focus, so companies that only write business in Ohio or surrounding areas are not factored into these rankings.
Top 10 Major Car Insurance Companies in Cleveland Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Progressive – A+
- Erie Insurance – A+
- The Hartford – A+
- Nationwide – A+
- Esurance – A+
Top 10 Major Car Insurance Companies Overall in Cleveland
- 21st Century
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- American Family
The information below shows how choosing a deductible can change insurance premiums when searching for cheap insurance for a Subaru Outback. The information is based on a married female driver, full coverage, and no additional discounts are factored in.
A 30-year-old driver could cut expenses by $194 a year by changing from a $100 deductible up to a $500 deductible, or save $296 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old, could drop their prices $420 annually by choosing larger deductibles on their policy.
If you do make the decision to raise your deductibles, it will be required to have emergency funds available to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Can you find cheaper Outback insurance?
Ohio insurance rates are influenced by many factors that will increase or decrease the price you pay. Simply turning a year older, filing a claim, or having a fender bender can cause premium changes that can now make some companies more affordable than the competition.
Also, insurers modify rates multiple times each year in order to offset underwriting gains or losses. Significantly higher losses can cause a rate increase, while a lower level of claims may result in more affordable Outback insurance rates.
The graph below shows the company with the cheapest car insurance in Cleveland, OH for a 35-year-old female driver with a clear driving record, no claims, and solid credit. When quoting prices based on her current rating profile, Utica National might quote the most affordable car insurance rates in Cleveland at $804 per year. This is $236 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers round out the rest of the top five cheapest Cleveland, OH auto insurance companies.
The chart below compares rates after we give the driver from the first example a chargeable claim, slightly worse credit, and a blemish on her driving record. Since each auto insurer has their own formula to set policy rates, comparing rates could result in a new list of the cheapest car insurance companies in Cleveland as shown below.
Merchants Insurance Group now has the best price in Cleveland with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty now being in the top five. This example demonstrates why consumers need to take the time to do a thorough rate comparison when trying to find cheap insurance quotes for a Subaru Outback. Prices are impacted by many risk factors and change dramatically, so the most economical company two years ago may now be an over-priced policy.