Who Has Affordable Oklahoma City Car Insurance Rates for a Subaru Outback?

Finding economical insurance for a Subaru Outback in Oklahoma is dependent upon a whole bunch of factors such as how many miles you drive each year, your profession, and your driving record. Oklahoma drivers pay approximately $1,038 each year for Outback insurance, but that figure is calculated using a 50-year-old married female driver with full physical damage coverage and $500 deductibles.

Odds are that you aren’t exactly 50 years old or even a female, possibly single instead of married, or maybe you are just looking for cheap liability insurance. Everyone has unique insurance needs, and this illustrates why the way we recommend to find cheap insurance prices for your Subaru is to do a thorough rate comparison. Quotes are free and you will receive prices from top-rated companies that insure vehicles in Oklahoma.

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The trim level of your Outback has an effect on the insurance rate, so the cost to insure a Outback 2.5I model will be $166 less than the price to insure the fancier Outback 3.6R Limited version, as shown in the table below.

Subaru Outback Insurance Rates in Oklahoma City, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $244 $322 $422 $24 $126 $1,138 $95
Outback 2.5I Premium $244 $390 $422 $24 $126 $1,206 $101
Outback 2.5I Limited $244 $390 $422 $24 $126 $1,206 $101
Outback 3.6R $244 $390 $422 $24 $126 $1,206 $101
Outback 3.6R Premium $244 $390 $422 $24 $126 $1,206 $101
Outback 3.6R Limited $272 $460 $422 $24 $126 $1,304 $109
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in Oklahoma City location which can lower or raise insurance rates considerably.

Finding out which companies offer the most affordable insurance rates for a Subaru Outback involves a tad more effort than just comparing a company or two. Every auto insurer uses their own formula to set policy rates, so we will examine the insurance companies with the overall cheapest rates in Oklahoma City.

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Rankings for the cheapest car insurance companies in Oklahoma
Rank Company Cost Per Year
1 Oklahoma Farmers Union $1,154
2 USAA $1,185
3 GEICO $1,340
4 The Hartford $1,359
5 Safe Auto $1,419
6 Farmers $1,422
7 State Farm $1,583
8 Travelers $1,849
9 Liberty Mutual $1,852
10 OK Farm Bureau $2,018
11 Mercury $2,033
12 Shelter $2,108
13 Home State $2,128
14 MetLife $2,169
15 Progressive $2,245
16 Allstate $2,448
17 Safeco $5,209
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Oklahoma Farmers Union may offer some of the cheapest car insurance rates in Oklahoma City at around $1,154 annually. USAA, GEICO, The Hartford, and Safe Auto also make the cut as some of the lowest-priced Oklahoma City, OK auto insurance companies.

As the rates illustrate above, if you currently have a policy with Safe Auto and switched to USAA, you could realize savings of about $234. Oklahoma drivers with Farmers may save as much as $237 a year, and State Farm customers might lower prices by up to $398 a year.

Remember that these estimates are averaged for all ages of drivers and types of vehicles and do not take into consideration an exact vehicle garaging location for a Subaru Outback. So the car insurance company that fits your situation best may not even be in the top 17 companies in the list above. That point stresses why you need to compare rates from multiple companies using your own specific driver and vehicle information.

The illustration below illustrates how choosing a deductible can change insurance premiums when researching cheap insurance for a Subaru Outback. The information is based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

The data above shows that a 50-year-old driver could lower their policy premium by $380 a year by increasing from a $100 deductible to a $500 deductible, or save $574 by choosing a $1,000 deductible. Even younger drivers, such as the Age 20 example, could roll back prices up to $944 or more by using higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it will be required to have plenty of money set aside to be able to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

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Oklahoma insurance rates are impacted by many things which can significantly increase or decrease the price you pay. Simply having a birthday, buying a home, or having a fender bender can produce rate changes that can make some companies more affordable than others.

Also, auto insurance companies file new Oklahoma car insurance rates every year or even multiple times each year in order to protect their financial rating. An extended period of higher than normal claims can cause higher prices, while lower claim expenses may produce cheaper Outback insurance rates.

For instance, the graph below compares the cheapest car insurance in Oklahoma City, OK for a 35-year-old female driver with a good driving record, no prior claims, and a good credit rating. If we estimate prices based on her personal profile, Oklahoma Farmers Union may have the cheapest car insurance rates in Oklahoma City at $1,327 annually. This is $640 less than the average price paid by Oklahoma drivers of $1,967. USAA, The Hartford, Safe Auto, and GEICO also make the list of the top five cheapest Oklahoma City, OK auto insurance companies.

The next chart shows rates after we give the driver from the first set of rates an accident claim, a lower credit score, and a traffic citation. Due to the fact that every auto insurer has a proprietary method for determining rates in each state, getting updated rate quotes may now show a different list of the cheapest car insurance companies in Oklahoma City as shown below.

State Farm now has the best car insurance rate in Oklahoma City with USAA, Liberty Mutual, GEICO, and Travelers also having competitive pricing. This demonstrates why it is critical to shop around to find cheap car insurance quotes for a Subaru Outback.

Prices are influenced by many things and can change without notice, so the most economical company the last time you checked may now be an over-priced policy.