Who Has the Cheapest Auto Insurance Quotes for a Subaru Outback in Madison?

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Finding economical car insurance for a Subaru Outback in Wisconsin is pretty straightforward, but it is dependent upon a very complex rating algorithm that uses multiple factors such as age of the vehicle, your profession, and citations or violations on your driving record. Wisconsin drivers pay around $535 a year for Outback insurance, but that amount is an estimate calculated using a 30-year-old married female driver with full coverage and $1,000 deductibles.

There is a good probability you may not be 30 years old (or even female), you might be single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Have just a small change in policy rating criteria or coverages may result in significant differences in how much insurance for a Subaru Outback costs.

Having different needs demonstrates why the best method for finding the most affordable coverage for your Subaru is to just compare rates yourself. Quotes only take a few minutes and you can get rates from some of the best insurers that insure vehicles in Wisconsin.

Compare Subaru Outback Insurance Rates

The specific trim level tends to have a direct effect on the annual cost of coverage, so the rate you pay to insure a Outback 2.5I will be $80 cheaper than the price to insure the higher-priced Outback 3.6R Limited trim level, as shown in the chart below.

Subaru Outback Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $120 $152 $234 $14 $70 $590 $49
Outback 2.5I Premium $120 $184 $234 $14 $70 $622 $52
Outback 2.5I Limited $120 $184 $234 $14 $70 $622 $52
Outback 3.6R $120 $184 $234 $14 $70 $622 $52
Outback 3.6R Premium $120 $184 $234 $14 $70 $622 $52
Outback 3.6R Limited $134 $218 $234 $14 $70 $670 $56
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Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in vehicle garaging location which can raise or lower auto insurance rates substantially.

Picking the best auto insurance provider can be challenging considering how many companies there are to choose from in Madison. The ranking data in the next section can help you analyze which insurers you want to consider purchasing coverage from. The rankings below include the largest companies in the United States, so companies that only write business in Wisconsin or surrounding areas will not be included in this list.

Top 10 Major Car Insurance Companies in Madison Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Erie Insurance
  5. Liberty Mutual
  6. State Farm
  7. Allstate
  8. Safeco Insurance
  9. Travelers
  10. 21st Century

Rate comparison of full coverage and liability-only

Buying cheaper auto insurance is the goal of most vehicle owners, and one good way to buy cheaper insurance for a Subaru Outback is to not buy full coverage. The illustration below compares car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Wisconsin. The costs are based on no accidents or driving violations, $1,000 deductibles, single status, and no discounts are taken into consideration.

As an average for all age groups, physical damage insurance costs $1,247 per year more than just buying liability only. That is a large expense and it proposes the question when is it safe to stop buying full coverage. There is no specific rule to eliminate physical damage coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let's say your vehicle's book value is $11,500 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $10,500 after paying your deductible. If you are currently paying more than $1,050 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.

The chart below shows how choosing a deductible can influence insurance costs when getting quotes for cheap insurance for a Subaru Outback. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

The data above shows that a 40-year-old driver could pocket $236 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $354 by switching to a $1,000 deductible. Youthful drivers, such as the Age 20 example, could drop their prices up to $766 or even more by selecting a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it will be necessary to have additional funds squirreled away to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

How to find economical car insurance for a Subaru Outback

The list below summarizes some thrifty solutions that can help Madison drivers buy more affordable coverage.

That last piece of advice is very necessary, as was noted in the prior information. Prices charged by car insurance companies vary considerably, so drivers shouldn't be resistant to buy a policy from a new company if a cheaper rate is available.

Many consumers stick with the same company and that's fine, but it's not a good idea if your bullheadedness ends up costing you a lot of money. In just a few minutes you could compare prices to find cheaper car insurance for a Subaru Outback in Madison.