Car is financed. Location: Utah. Age: 54, female, no tickets/accidents.
I’m currently with State Farm, and my premium for my 2023 Subaru Legacy Limited is $1,081 every 6 months—so about $180 per month. That includes full coverage, comprehensive, collision, $500 deductible, roadside, etc. My limits are 50k/100k/50k, which seems low for what I’m paying.
I switched to State Farm from Liberty Mutual less than a year ago because it was cheaper, but my rates have gone up a lot this year.
For those with a Legacy or Outback, what are your rates? What insurance company do you use? Should I start shopping around again? Looking at Progressive, Geico, Farmers, etc.
@TundraTroopers1
Yep, full coverage. $500 deductible for both comprehensive and collision. My bodily and property limits are $300k, and uninsured is $50k. No gap, medical, rental, or roadside. Progressive has always been lower for me, but I know it’s hit or miss for others.
All the big-name insurance companies on TV tend to have higher rates. Try getting quotes from smaller, local companies too.
I had a WRX and my rate jumped to nearly $400/month with a big-name insurer. I switched and now pay $170/month for the same coverage. Shopping around makes a difference!
We pay around $200/month with Progressive for two cars in a midwestern city. Oddly, our rates decreased when we replaced our old cars with a Subaru Outback and a VW Atlas. No tickets, but my wife totaled her car three years ago, so our rate is probably a little higher than average.