What Insurance is Cheapest for a Subaru Outback in Seattle?

Buying the best cheap car insurance for a Subaru Outback in Washington is pretty simple, but it depends on a whole bunch of rating criteria such as whether the vehicle is new, your credit history, and citations or violations on your driving record. Washington drivers will pay around $682 per year to insure their Outback, but that figure is a projection based upon a 50-year-old married female driver with full physical damage coverage and $500 deductibles.

It’s highly likely you may not be 50 years old (or even female), single instead of married, or maybe you want different physical damage deductibles. Having different needs demonstrates why the best way to find cheap insurance prices for your Subaru is to compare as many rates as you can.

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The specific trim level will likely have an effect on the yearly cost, so the price you will pay to insure a Outback 2.5I will be $110 less expensive the price to insure the more costly Outback 3.6R Limited model, as demonstrated by the prices below.

Subaru Outback Insurance Rates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $160 $212 $278 $16 $82 $748 $62
Outback 2.5I Premium $160 $256 $278 $16 $82 $792 $66
Outback 2.5I Limited $160 $256 $278 $16 $82 $792 $66
Outback 3.6R $160 $256 $278 $16 $82 $792 $66
Outback 3.6R Premium $160 $256 $278 $16 $82 $792 $66
Outback 3.6R Limited $180 $302 $278 $16 $82 $858 $72
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in specific Seattle garaging location which can affect insurance rates substantially.

Deciding which insurers offer the lowest-priced insurance rates for a Subaru Outback may require a tad more effort than just picking a company at random.

Every insurance provider has a proprietary formula to set policy rates, so we’ll go over the most budget-friendly insurance companies in Seattle, WA.

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What’s the cheapest car insurance in Washington?
Rank Company Cost Per Year
1 Capital $754
2 Grange $822
3 Nationwide $961
4 PEMCO $974
5 Travelers $1,038
6 Mutual Enumclaw $1,065
7 The Hartford $1,090
8 USAA $1,092
9 Chubb $1,094
10 California Casualty $1,116
11 Allied $1,131
12 State Farm $1,165
13 American Family $1,172
14 Safeco $1,228
15 Amica $1,243
16 Liberty Mutual $1,270
17 Farmers $1,355
18 Progressive $1,480
19 National General $1,525
20 MetLife $1,681
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Capital may have some of the lowest car insurance rates in Seattle at around $754 a year. Grange, Nationwide, PEMCO, and Travelers would also make the list of some of the cheapest Seattle, WA insurance companies.

As the rates illustrate above, if you buy coverage from Nationwide and switched to Capital, you could see a yearly savings of roughly $207. Drivers with PEMCO might save as much as $220 a year, and Travelers policyholders might lower prices by $284 a year.

If you would like to find cheaper car insurance rates, click here to get quotes or visit any of the low-priced companies below.

Understand that those policy prices are averages for all ages of drivers and types of vehicles and and are not figured with an exact location for a Subaru Outback. So the company that fits you best may not even be in the list above. That points out the importance of why you need to get rate quotes using your own individual information.

Discount Seattle car insurance

Cheaper Seattle, WA insurance for an OutbackInsurance companies that provide coverage for a Subaru Outback may additionally offer special discounts that could lower prices by as much as 35% if you can meet the requirements. Companies and some of the premium reductions they offer can be found below.

The illustration below illustrates the difference between yearly insurance costs with and without discounts applied to the premium. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Washington state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with claim-free, passive restraint, multiple vehicle, defensive driving course, anti-theft, and safe-driver discounts applied. When these discounts are applied, theaverage yearly reduction on insurance for a Subaru Outback is 28% or $419.

How much more does full coverage cost?

Paying a lower price for insurance is probably important to most drivers, and one of the easiest ways to pay lower rates for insurance for a Subaru Outback is to buy only liability coverage. The example below compares insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Washington. The information is based on no claims or violations, $250 deductibles, drivers are not married, and no additional discounts are factored in.

Averaged for all ages 20 through 70, physical damage coverage costs an additional $1,875 per year over and above liability only. That amount may make you wonder if physical damage coverage is worth the money. There is no clear-cut formula for dropping physical damage insurance, but there is a guideline you can consider. If the annual cost of coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s assume your vehicle’s replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after the policy deductible has been paid. If it’s costing in excess of $700 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are some circumstances where buying only liability insurance is not in your best interest. If you still owe money on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not opt for liability only.

How accidents and violations affect rates in Seattle

In a perfect world, the best way to snag good insurance prices for an Outback is to drive safely and maintain a clean driving record. The information below illustrates how traffic citations and at-fault collisions can raise auto insurance costs for different age groups. The data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

The data in the chart shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,875. Add in one speeding ticket and the average cost surges to $2,111, an increase of $236 each year. Now include two accidents along with the one speeding ticket and the annual cost of insurance for a Subaru Outback jumps again to an average of $4,127. That’s an increase of $2,251, or $188 per month, just for not driving safely!