Insurance rates—am I paying too much?

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.

I have a 2021 Outback Touring, no tickets, one not-at-fault accident. My rate with Progressive is $478 for 6 months.

brunomars said:
I have a 2021 Outback Touring, no tickets, one not-at-fault accident. My rate with Progressive is $478 for 6 months.

That’s way lower than mine. What are your limits and deductible? Do you have full coverage?

@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!

Southern California, 2017 Legacy base model. I’m 39, female, no accidents, a few tickets. I pay $93/month for full coverage with USAA.

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.

29M, Midwest, clean record. I have State Farm, and my full coverage with a $500 deductible on a 2023 WRX is $160/month.

41M, clean record. I pay $1,200/year with Travelers. Limits are 50k–100k depending on claim type, $500 deductible. NY.

I highly recommend using an independent insurance agent. They’ll shop around for you and often get you a better deal. It saved me a ton of money.

37M, Phoenix, clean record. My 2021 WRX Premium is $575 for 6 months (~$95/month) with Progressive. $750 deductible, 100k/100k/50k limits.

For both my car and my girlfriend’s, I pay about $195/month.