What Auto Insurance is Cheapest for a Subaru Outback in Baltimore?

Buying cheaper coverage for a Subaru Outback is pretty easy for most people, but it is dependent upon a whole bunch of factors such as your age, your residence address, and any prior driving offenses you have. Drivers in Maryland pay around $1,200 each year for Outback insurance, but that price is a valuation calculated based on a 30-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.

The issue with using an average estimated rate is the likelihood you are not 30 years old and maybe not even female, you might be married instead of single, and you need different coverage limits than the sample rates. Insurance is an individual thing, so the only real way to find the cheapest coverage for your Subaru is to just take the time to compare rates yourself. Rate quotes are easy and you will receive prices from some of the most affordable companies in Maryland.

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The trim level of your vehicle will most likely have an effect on the cost of coverage, so the price to insure a Outback 2.5I trim level will be $174 lower than the cost to insure the more costly Outback 3.6R Limited trim level, as shown in the chart below.

Subaru Outback Insurance Rates in Baltimore, MD
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $242 $336 $548 $32 $164 $1,322 $110
Outback 2.5I Premium $242 $410 $548 $32 $164 $1,396 $116
Outback 2.5I Limited $242 $410 $548 $32 $164 $1,396 $116
Outback 3.6R $242 $410 $548 $32 $164 $1,396 $116
Outback 3.6R Premium $242 $410 $548 $32 $164 $1,396 $116
Outback 3.6R Limited $270 $482 $548 $32 $164 $1,496 $125
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Information does not factor in your specific Baltimore location which can revise coverage rates considerably.

Choosing the top insurance provider can be difficult considering how many companies are available to choose from in Baltimore. The ranking data below could help you decide which auto insurance companies you want to consider when trying to find the cheapest insurance for a Subaru Outback.

These ratings are for the largest auto insurers in America, so companies that have a smaller presence will not be included in these rankings. To compare prices from these and other companies in Maryland, click here.

Top 10 Major Auto Insurance Companies in Baltimore Ranked by A.M. Best Rating

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. Nationwide – A+
  9. The Hartford – A+
  10. Allstate – A+

The diagram below highlights how deductible choice can influence insurance premiums when researching cheap insurance for a Subaru Outback. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

In the chart above, a 30-year-old driver could pocket $466 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $704 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old, could possibly save up to $1,348 each year just by choosing higher deductibles when buying full coverage.

When increasing deductibles, it is important to have enough spare savings to satisfy the extra out-of-pocket expense associated with higher deductibles.

Here’s why you should shop around

Maryland car insurance rates are impacted by many factors which can substantially decrease or increase the cost of your policy. Simply turning a year older, buying a home, or having a fender bender can trigger rate changes that can cause some rates to be cheaper than before. In addition to those changes, car insurance companies modify rates as often as every quarter to adjust for heavy claims or excess profits. A period of increased losses may result in additional premium costs, while a lower level of claims may cause more affordable Outback insurance rates.

The graph below shows the company with the cheapest car insurance in Baltimore, MD for a 45-year-old male driver with no prior accidents, a clean driving record, and great credit. Based on his current risk profile, USAA may have the lowest car insurance rates in Baltimore at $1,653 per year. This is $94 more than the average premium paid by Maryland drivers of $1,559. Penn National, Liberty Mutual, Erie, and State Auto are also on the list of the most affordable Baltimore, MD auto insurance companies.

Let’s now give the driver from the first rate comparison a couple of claims, a little lower credit rating, and a traffic citation. Because each insurer has a proprietary formula for determining rates, comparing rates most likely will result in a different ranking of cheap Baltimore auto insurance companies as shown below.

Travelers now has the lowest car insurance rate in Baltimore, MD with Nationwide, MetLife, GEICO, and California Casualty now rounding out the top five. This example proves why it is important to compare many different companies to find the best insurance quotes for a Subaru Outback. Rates are influenced by many factors and change substantially, so the cheapest company when you last compared rates may now be priced much higher than other options.