Who Has Cheap Auto Insurance for a Subaru Outback in Chicago?

Buying economical coverage for a Subaru Outback in Illinois is pretty simple, but it is dependent upon many different factors such as when you were born, the condition of your credit, and your choice of deductibles. Drivers in Illinois will pay around $988 each year for Outback insurance, but that is an approximation calculated based on a 30-year-old single female driver with full physical damage coverage and $250 deductibles.

The issue with using an average estimated rate is the likelihood you’re not a 30-year-old female, you might be married instead of single, or maybe you have a speeding ticket or two that will increase rates. Having different needs demonstrates why the only real way to find cheap insurance prices for your Subaru is to do the rate comparisons yourself.

Cheapest Subaru Outback Insurance Rates

Vehicle trim level can impact the insurance rate, so the price you will be charged to insure a Outback 2.5I will be $178 less than the price to insure the more well-appointed Outback 3.6R Limited trim level, as shown in the prices below.

Subaru Outback Insurance Rates in Chicago, IL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $252 $344 $352 $20 $106 $1,074 $90
Outback 2.5I Premium $252 $418 $352 $20 $106 $1,148 $96
Outback 2.5I Limited $252 $418 $352 $20 $106 $1,148 $96
Outback 3.6R $252 $418 $352 $20 $106 $1,148 $96
Outback 3.6R Premium $252 $418 $352 $20 $106 $1,148 $96
Outback 3.6R Limited $282 $492 $352 $20 $106 $1,252 $104
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in specific location which can modify auto insurance rates greatly.

Shopping around for cost effective insurance is confusing at best, and determining which company quotes the lowest-priced insurance rates for a Subaru Outback calls for a little more work. Every auto insurer uses their own calculation for determining rates in each state, so let’s begin by examining the most budget-friendly insurance companies in Chicago, IL.

It’s a good idea to know that Illinois insurance rates are impacted by many factors which can significantly increase or decrease the price you pay. Price variation is why drivers need to shop around when trying to find the most economical auto insurance rates for a Subaru Outback. Auto insurance prices are determined by many factors and can change substantially, so the most economical option six months ago may now be wasting a lot of money.

Find Cheaper Auto Insurance for Your Subaru

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What’s the cheapest car insurance in Illinois?
Rank Company Cost Per Year
1 The Hartford $769
2 Rockford Mutual $813
3 Erie $878
4 Titan $878
5 Cincinnati Insurance $897
6 USAA $950
7 Travelers $952
8 Utica National $955
9 SECURA $975
10 State Farm $982
11 Auto-Owners $1,064
12 Safeco $1,085
13 GEICO $1,118
14 Amica $1,120
15 Farmers $1,170
16 Esurance $1,185
17 Progressive $1,206
18 California Casualty $1,209
19 MetLife $1,244
20 State Auto $1,273
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The Hartford may have some of the lowest car insurance rates in Chicago at around $769 a year. This is $580 less than the average price paid by Illinois drivers of $1,349. Rockford Mutual, Erie, Titan, and Cincinnati Insurance also make the cut as some of the cheapest Chicago, IL car insurance companies.

As shown in the table above, if you have coverage with Titan and switched to The Hartford, you could earn an annual premium reduction of about $109. Policyholders with Cincinnati Insurance could save as much as $128 a year, and USAA insureds might reduce rates by $181 a year.

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

These prices are averages across all types of insureds and vehicles and do not take into consideration a specific vehicle garaging location for a Subaru Outback. So the auto insurance company that has the lowest price for you may not even be in the top 36 companies in the list above. That points out the importance of why you need to get car insurance quotes using your own driver and vehicle profiles.

Drive responsibly or pay higher rates

The recommended way to score cheap insurance prices for an Outback is to drive attentively and have a clean driving record. The diagram below demonstrates how speeding tickets and at-fault collisions raise insurance prices for different insured age categories. The prices are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

The chart shows that the average cost of an auto insurance policy in Chicago per year with no violations or accidents is $1,197. Factor in two speeding tickets and the average cost hikes up to $1,590, an increase of $393 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of insurance for a Subaru Outback goes up to an average of $1,980. That’s an increase of $783, or $65 per month, just for not driving carefully!

Are you paying too much for car insurance?

Chicago insurance rates are calculated based on many things that will increase or decrease the price you pay. Improving your credit score, getting divorced, or getting a driving violation can cause premium changes resulting in some rates now being cheaper than others.

Additionally, car insurance companies change rates as often as every three months in order to protect their financial rating. Heavy losses can result in additional premium costs, while a profitable period can result in more affordable Outback insurance rates.

To illustrate this point, the data below shows a variety of companies that have the cheapest car insurance in Chicago, IL for a 35-year-old male driver with a good driving record, no prior claims, and good credit. If we estimate rates based on his personal risk profile, The Hartford offers the cheapest car insurance rates in Chicago at $1,198 a year. This is $151 less than the average policy premium paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Erie, and Cincinnati Insurance are also on the list of the most affordable Chicago, IL auto insurance companies.

In this example, we will give the driver from above some claims, a lower credit rating, and an imperfect driving record. Since every car insurance company has a proprietary method to set policy rates, comparing insurance quotes may now show a different set of cheap Chicago auto insurance companies as shown below.

Travelers now has the cheapest insurance rate in Chicago, IL with State Farm, SECURA, Utica National, and Auto-Owners also having competitive pricing. This illustrates why it is crucial to shop around when trying to find the lowest auto insurance quotes for a Subaru Outback.

Car insurance prices are impacted by many risk factors and can change without notice, so the cheapest company the last time you shopped your coverage around may now be costing you a lot of money.

If you like to have professional advice when shopping for cheaper insurance for a Subaru Outback, the agents shown below can probably help you decide which car insurance company is the best fit. To locate a Chicago car insurance agency by location nearest to you, click the button following the list.

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