Buying cheap coverage for a Subaru Outback in Missouri hinges on a pretty complex algorithm that uses a lot of factors such as your gender, your geographic location, and any prior driving offenses you have. Drivers in Missouri pay approximately $776 per year for Outback insurance, but that cost is a projection calculated based on a 50-year-old married male driver with full physical damage coverage and $100 deductibles.
There’s a high likelihood you are not 50 and maybe not even a male, single instead of married, or maybe your Outback is old enough that it doesn’t require full coverage. Even a minor difference in the criteria used to calculate rates could end up with a large change in the cost of insurance.
Each driver’s needs are different, and that demonstrates why the best way to find cheap insurance prices for your Subaru is to compare as many rates as possible.
The trim level of your vehicle tends to have a direct effect on the coverage cost, so the rate you will pay to insure a Outback 2.5I will cost $146 less than the price to insure the higher-end Outback 3.6R Limited model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $202 | $290 | $256 | $16 | $76 | $840 | $70 |
| Outback 2.5I Premium | $202 | $352 | $256 | $16 | $76 | $902 | $75 |
| Outback 2.5I Limited | $202 | $352 | $256 | $16 | $76 | $902 | $75 |
| Outback 3.6R | $202 | $352 | $256 | $16 | $76 | $902 | $75 |
| Outback 3.6R Premium | $202 | $352 | $256 | $16 | $76 | $902 | $75 |
| Outback 3.6R Limited | $224 | $414 | $256 | $16 | $76 | $986 | $82 |
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can revise price quotes significantly.
Selecting a good quality insurance company can be a challenge considering how many companies sell coverage in Missouri. The rank data shown below could help you select which car insurance providers to look at when comparing rate quotes. The rankings below include companies with a nationwide focus, so companies that have a smaller presence will not be included in this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
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Data Source: Insure.com Best Car Insurance Companies
The chart below shows how different deductible levels can change insurance rates when trying to find cheap insurance for a Subaru Outback. The premiums are based on a single male driver, full physical damage coverage, and no other discounts are factored in.
In the chart above, a 50-year-old driver could lower rates by $272 a year by changing from a $100 deductible up to a $500 deductible, or save $410 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 category, could possibly save up to $886 every year just by choosing larger deductibles.
When choosing a higher deductible, it is a good idea to have spare funds to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
How to get discounts on Kansas City car insurance rates
Insurers that offer quotes for a Subaru Outback may also provide policy discounts that can lower rates by as much as 40% or more if you are eligible to receive them. A list of companies and a partial list of their discounts can be read below.
- GEICO offers discounts including good student, military active duty, federal employee, emergency military deployment, seat belt use, driver training, and multi-vehicle.
- Mercury Insurance discounts include ease of repair, type of vehicle, multi-policy, anti-theft, accident-free, and good student.
- Farmers Insurance offers discounts for pay in full, good student, bundle discounts, mature driver, electronic funds transfer, and alternative fuel.
- Auto-Owners Insurance may include discounts for anti-theft, paid in full, multiple vehicles, group or association, and paperless.
- Liberty Mutual has savings for new vehicle discount, new move discount, multi-car, hybrid vehicle, and good student.
- SAFECO may offer discounts for teen safe driver, multi-car, anti-theft, bundle discounts, accident prevention training, and anti-lock brakes.
- Progressive has discounts for online quote discount, homeowner, multi-policy, online signing, continuous coverage, multi-vehicle, and good student.
- USAA offers premium reductions for safe driver, driver training, multi-policy, family discount, annual mileage, loyalty savings, and defensive driver.
The illustration below illustrates the difference between car insurance costs with and without policy discounts. The price estimates are based on a male driver, a clean driving record, no claims, Missouri state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with defensive driving course, passive restraint, anti-theft, vehicle safety, safe-driver, and marriage discounts applied. When these discounts are applied, the average savings per year on auto insurance for a Subaru Outback is 27% or $391.
Should you buy full coverage?
Saving money on auto insurance is probably important to the majority of drivers, and a great way to find cheaper insurance for a Subaru Outback is to not buy comprehensive and collision coverage. The diagram below compares premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes a clean driving record, no at-fault accidents, $500 deductibles, single status, and no discounts are taken into consideration.
If averaged for all ages, physical damage insurance costs $1,636 per year over and above liability coverage. At some point, about every driver wonders when is it safe to stop buying full coverage. There is no set guideline for phasing out comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.
The Kansas City car insurance agencies listed below are a good start to help you decide which insurance coverage will be best for you, since lots of people like to get some professional advice when buying car insurance for a Subaru Outback. It can be hard to find the best policy on your own, so a professional agent can provide peace of mind knowing you have adequate protection in case of an accident or claim.
To locate a Kansas City car insurance agency closest to you, click the button following the list.
- Allstate Insurance: Steve Marshall
7000 NW Prairie View Rd Ste 100 – Kansas City, MO 64151 – (816) 587-5200 - ABBA Insurance, LLC
315 E 18th Ave – Kansas City, MO 64116 – (816) 454-8833 - State Farm: Bret Ohlhausen
8549 N Church Rd – Kansas City, MO 64157 – (816) 781-4960 - Fusion Insurance Agency
5920 Wilson Ave – Kansas City, MO 64123 – (816) 470-9050 - SIMONE Insurance Agency, LLC
7138 N Norton Ave – Kansas City, MO 64119 – (816) 739-8995