Finding economical car insurance for a Subaru Outback is fairly easy, but it hinges on many rating criteria such as your birth date, your credit status, and citations or violations on your driving record. Nevada drivers pay around $1,053 annually to insure their Outback, but that is an approximation based on a 50-year-old single male driver with both comprehensive and collision coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you aren’t exactly 50 years old or even a male, married instead of single, and maybe your Outback just needs liability-only coverage. Even a minor difference in rating criteria can make a large difference in policy price.
This example demonstrates why the best method for finding cheap insurance rates for your Subaru is to compare rates from as many companies as possible. Comparing quotes is easy and you can get rates from the best companies that insure vehicles in Nevada.
View Subaru Outback Insurance Rates
The trim level of your Outback tends to impact the cost of insurance, so the cost to insure a Outback 2.5I trim level will be $204 lower than the cost to insure the fancier Outback 3.6R Limited version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outback 2.5I | $258 | $406 | $348 | $20 | $104 | $1,136 | $95 |
| Outback 2.5I Premium | $258 | $494 | $348 | $20 | $104 | $1,224 | $102 |
| Outback 2.5I Limited | $258 | $494 | $348 | $20 | $104 | $1,224 | $102 |
| Outback 3.6R | $258 | $494 | $348 | $20 | $104 | $1,224 | $102 |
| Outback 3.6R Premium | $258 | $494 | $348 | $20 | $104 | $1,224 | $102 |
| Outback 3.6R Limited | $286 | $582 | $348 | $20 | $104 | $1,340 | $112 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rates do not factor in specific garaging location which can decrease or increase auto insurance rates substantially.
Figuring out which companies quote the cheapest auto insurance rates for a Subaru Outback will require more time than just comparing rates from one or two companies. Each auto insurer has their own guidelines to set policy rates, so we need to take a look at the auto insurance companies with the overall cheapest rates in Henderson, NV.
It’s important to know that Henderson auto insurance rates are impacted by many factors that control the price you have to pay. Improving your credit score, moving to a new city, or getting caught speeding may cause policy rate changes that can now make some companies cheaper than before.
Find the Cheapest Car Insurance for Your Subaru
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $912 |
| 2 | Allied | $939 |
| 3 | Capital | $1,008 |
| 4 | Oregon Mutual | $1,182 |
| 5 | Progressive | $1,190 |
| 6 | American Family | $1,218 |
| 7 | GEICO | $1,269 |
| 8 | USAA | $1,284 |
| 9 | Nationwide | $1,295 |
| 10 | Safeco | $1,320 |
| 11 | Farmers | $1,452 |
| 12 | MetLife | $1,567 |
| 13 | Country | $1,619 |
| 14 | State Farm | $1,732 |
| 15 | Mercury | $1,825 |
| 16 | Victoria | $2,073 |
| 17 | Liberty Mutual | $2,161 |
| 18 | Bristol West | $2,336 |
| 19 | Allstate | $2,385 |
| 20 | Encompass | $2,710 |
| View More Rates Go | ||
Travelers may have some of the cheapest car insurance rates in Henderson at around $912 per year. This is $662 less than the average rate paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and Progressive would also make the list of some of the best Henderson, NV car insurance companies.
As shown in the rates above, if you have coverage with Capital and switched to Travelers, you may realize an annual premium reduction of approximately $96. Insureds with Oregon Mutual might save as much as $270 a year, and Progressive insureds might lower prices by up to $278 a year.
To get a quick, customized rate comparison, click here to start your free quote or visit several of the following companies.
Remember that these policy rates are averages for all types of insureds and vehicles and do not factor in an exact zip code location for a Subaru Outback. So the car insurance company that is best suited for you may not even be in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own specific driver information and vehicle.
Get discounts on Henderson auto insurance
Car insurance companies that offer quotes for a Subaru Outback may provide premium discounts that could reduce prices by as much as 35% if you are eligible to receive them. The best auto insurance companies and some of their more popular discounts can be read below.
- GEICO offers premium reductions for defensive driver, good student, federal employee, membership and employees, military active duty, and multi-policy.
- MetLife discounts include multi-policy, good student, good driver, claim-free, defensive driver, accident-free
- State Farm may include discounts for driver’s education, student away at school, good driver, Steer Clear safe driver discount, multiple policy, accident-free, and multiple autos.
- Progressive includes discounts for multi-policy, continuous coverage, online quote discount, homeowner, and online signing.
- Mercury Insurance offers discounts for professional/association, age of vehicle, multi-car, location of vehicle, and ease of repair.
- 21st Century has discounts for 55 and older, anti-lock brakes, air bags, student driver, automatic seat belts, defensive driver, and teen driver.
- Allstate policyholders can earn discounts including new car, resident student, premier discount, FullPay discount, EZ pay plan discount, and anti-lock brakes.
The chart below compares insurance prices with and without discounts applied to the policy rates. The rates are based on a male driver, no tickets, no at-fault accidents, Nevada state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple vehicle, vehicle safety, multiple policy, marriage, defensive driving course, and anti-theft discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for a Subaru Outback is 28% or $432.
You may be paying too much for Outback insurance
Henderson auto insurance rates are impacted by many factors that can increase the price you pay for coverage. Turning one year older, getting divorced, or getting a DUI can produce rate changes that may make certain companies cheaper than competitors. Not only may your risk profile change, but companies file new rates multiple times each year to adjust for unexpected claims or profits. Larger than normal claims may cause higher priced premiums, while lower claim levels can cause more affordable Outback insurance rates.
To illustrate this point, the chart below shows the cheapest car insurance in Henderson, NV for a 35-year-old male driver with a clean driving record, no accidents, and a decent credit rating. When quoting prices based on his current risk factors, Travelers has the best car insurance rates in Henderson at $1,490 annually. This is $84 less than the average policy premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family are the remainder of the top five cheapest Henderson, NV auto insurance companies.
Now let’s give the driver from the first rate comparison a claim, a lower credit score, and a traffic citation. Because every insurance company has their own formula for setting rates, analyzing rates may now result in a new list of the cheapest companies as shown below.
Allied now has the cheapest car insurance in Henderson with GEICO, USAA, Safeco, and Nationwide now being in the top five. This example shows why consumers need to spend some time comparing rates when trying to get the most economical insurance quotes for a Subaru Outback. Auto insurance prices are impacted by many factors and change dramatically, so the cheapest option six months ago may now be wasting a lot of money.