How Much are Car Insurance Quotes for a Subaru Outback in Colorado Springs?

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Subaru Outback insurance rates
Subaru Outback insurance rates image courtesy of QuoteInspector.com

Finding the best cheap insurance for a Subaru Outback relies on lots of different factors such as age of the driver, the likelihood of vehicle theft, and your driving record. Drivers in Colorado pay around $731 each year for Outback insurance, but that cost is an approximation calculated using a 50-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.

When making auto insurance estimates, the issue arises that you're not a 50-year-old male, single instead of married, or maybe you prefer liability limits higher than required by Colorado state law. Even a minor difference in the factors used in pricing a policy can result in a big discrepancy in rates.

Not every driver requires the same auto insurance coverages, so the way we recommend to find the cheapest coverage for your Subaru is to do your own rate comparisons. To start saving now, get free quotes and you can get rates from the best companies around.

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Vehicle trim level tends to have a direct effect on the cost of coverage, so the price you will be charged to insure a Outback 2.5I will be $104 lower than the insurance cost for the more expensive Outback 3.6R Limited model, as demonstrated by the prices below.

Subaru Outback Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $148 $200 $338 $20 $100 $806 $67
Outback 2.5I Premium $148 $244 $338 $20 $100 $850 $71
Outback 2.5I Limited $148 $244 $338 $20 $100 $850 $71
Outback 3.6R $148 $244 $338 $20 $100 $850 $71
Outback 3.6R Premium $148 $244 $338 $20 $100 $850 $71
Outback 3.6R Limited $164 $288 $338 $20 $100 $910 $76
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in Colorado Springs location which can modify coverage rates substantially.

Finding out which companies quote the lowest-priced car insurance rates for a Subaru Outback involves more work in order to find the best price. Every auto insurer uses different criteria for determining prices, so we'll go over the most competitive car insurance companies in Colorado.

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What's the cheapest car insurance in Colorado?
Rank Company Cost Per Year
1 The Hartford $825
2 Grange $987
3 USAA $1,009
4 Nationwide $1,109
5 Auto-Owners $1,168
6 Travelers $1,183
7 GEICO $1,187
8 State Farm $1,246
9 American Family $1,314
10 Progressive $1,336
11 Amica $1,340
12 California Casualty $1,458
13 Allied $1,497
14 Colorado Farm Bureau $1,592
15 Farmers $1,613
16 MetLife $1,811
17 Allstate $1,994
18 Encompass $2,165
19 Safeco $2,472
20 Titan $2,657
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The Hartford normally has some of the most affordable car insurance rates in Colorado Springs at around $825 each year. This is $753 less than the average premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Auto-Owners also make the cut as some of the lowest-priced Colorado Springs, CO insurance companies.

In this example, if you buy coverage from Auto-Owners and switched to Grange, you might see an annual savings of about $181. Colorado drivers with Travelers might save as much as $196 a year, and GEICO customers might lower prices by $200 a year.

Bear in mind that those prices are averaged across all drivers and vehicles in Colorado and do not take into consideration an exact zip code location for a Subaru Outback. So the insurer that is most affordable for your situation may not even be in the top 21 companies shown above. That helps illustrate why you need to quote rates from many companies using your own specific driver and vehicle information.

Cost of full coverage

Saving money when shopping for car insurance should be important to most people, and one of the best ways to reduce the cost of insurance for a Subaru Outback is to not buy full coverage. The example below shows the difference between insurance prices with liability coverage only compared to full coverage. The rate quotes are based on no accidents or driving violations, $500 deductibles, drivers are single, and no discounts are applied to the premium.

If we average all the age groups together, full coverage on your policy costs an additional $1,995 per year over and above liability only. At some point, almost every driver questions if buying full coverage is a waste of money. There is no set rule to stop buying comp and collision coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let's assume your vehicle's book value is $7,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,500 after the deductible is paid. If premium cost is more than $650 a year to have full coverage, then it's probably a good time to buy liability coverage only.

The illustration below highlights how deductible selection can increase or decrease insurance costs when trying to find cheap insurance for a Subaru Outback. The data assumes a married male driver, full physical damage coverage, and no discounts are applied to the premium.

In the chart above, a 30-year-old driver could pocket $336 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $510 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old example, could drop their prices up to $1,006 every year just by choosing higher deductibles when buying full coverage.

If you do raise deductibles, it is important to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Car insurance rates are higher with tickets and accidents

The common sense way to find the cheapest car insurance rates for an Outback is to drive carefully and avoid traffic citations and accidents. The example below demonstrates how traffic citations and accident claims increase insurance costs for different insured age categories. The rates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

In the previous chart, the average cost of a car insurance policy per year with no violations or accidents is $1,676. Factor in one speeding ticket and the average cost swells to $1,891, an increase of $216 each year. Now include one accident along with the one speeding ticket and the 12-month cost of car insurance for a Subaru Outback jumps again to an average of $2,475. That's an increase of $799, or $67 per month, just for not driving safely!