Who Has the Cheapest Las Vegas Auto Insurance for a Subaru Outback?

Finding the best cheap auto insurance for a Subaru Outback in Nevada can be really easy, but it depends on a fairly complex equation with a lot of factors such as how you use your vehicle, if you are a frequent claim filer, and your policy deductibles. Nevada drivers pay approximately $900 per year for Outback insurance, but that amount is a valuation calculated based on a 40-year-old married male driver with full physical damage coverage and $250 deductibles.

Most likely you aren’t exactly 40 years old or even a male, single instead of married, or maybe you just want liability only instead of full coverage. Even a slight change in rating criteria or coverage limits may result in significant differences in the price of coverage.

The different assumptions illustrate why the way we recommend to find cheap auto insurance rates for your Subaru is to compare rates from as many companies as possible.

Compare Subaru Outback Insurance Rates

Your Subaru’s trim level can impact the annual cost of coverage, so the rate you pay to insure a Outback 2.5I trim level will be $158 less than the cost to insure the high end Outback 3.6R Limited version, as shown in the table below.

Subaru Outback Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $244 $304 $318 $18 $96 $980 $82
Outback 2.5I Premium $244 $370 $318 $18 $96 $1,046 $87
Outback 2.5I Limited $244 $370 $318 $18 $96 $1,046 $87
Outback 3.6R $244 $370 $318 $18 $96 $1,046 $87
Outback 3.6R Premium $244 $370 $318 $18 $96 $1,046 $87
Outback 3.6R Limited $272 $434 $318 $18 $96 $1,138 $95
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in zip code location which can impact insurance rates substantially.

Figuring out which companies offer the lowest-priced car insurance rates for a Subaru Outback calls for more time in order to find the lowest price.

Each company has their own process to establish rates, so let’s examine the lowest cost car insurance companies in Las Vegas, NV.

Find Cheaper Auto Insurance for Your Subaru

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Cheapest Nevada car insurance ranked by price
Rank Company Cost Per Year
1 Allied $921
2 Travelers $939
3 Capital $988
4 Oregon Mutual $1,182
5 Progressive $1,190
6 American Family $1,194
7 GEICO $1,256
8 Nationwide $1,282
9 USAA $1,284
10 Safeco $1,320
11 Farmers $1,496
12 Country $1,602
13 MetLife $1,631
14 State Farm $1,698
15 Mercury $1,825
16 Victoria $2,031
17 Liberty Mutual $2,249
18 Allstate $2,337
19 Bristol West $2,384
20 Encompass $2,604
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Allied may offer some of the best car insurance rates in Las Vegas at around $921 per year. This is $653 less than the average rate paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and Progressive also rank well as some of the cheaper Las Vegas, NV car insurance companies.

As shown above, if you are currently insured with Travelers and switched to Allied, you might see savings of in the neighborhood of $18. Drivers with Capital might save as much as $67 a year, and Oregon Mutual insureds might lower prices by up to $261 a year.

It’s important to note that these policy rates are averaged for all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for a Subaru Outback. So the company that has the cheapest price for you may not even be in the top 20 companies in the list above. That affirms the importance of why you need to get auto insurance quotes using your own specific driver information and vehicle.

The diagram below shows how choosing a deductible can raise or lower yearly insurance costs when getting quotes for cheap insurance for a Subaru Outback. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

The data above shows that a 40-year-old driver could lower rates by $264 a year by changing from a $100 deductible up to a $500 deductible, or save $404 by changing to a $1,000 deductible. Younger drivers, such as the 20-year-old example, could save up to $884 every year by using a higher deductible.

If you do decide to increase your deductibles, it will be necessary to have enough in a savings account to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Why you should shop around for Outback insurance

Las Vegas car insurance rates are based on many factors that control the policy premium. Simply having a birthday, buying a different vehicle, or getting a reckless driving citation can trigger price changes that may make certain companies much cheaper than others.

In addition to those changes, insurance companies file new Nevada car insurance rates as needed as an adjustment for underwriting gains or losses. Heavy losses can cause more expensive prices, while less frequent claims may cause lower-cost Outback insurance rates.

The graph below analyzes the cheapest car insurance in Las Vegas, NV for a 45-year-old female driver with a clear driving record, no claims, and a decent credit rating. Based on her current rating profile, Travelers has the cheapest car insurance rates in Las Vegas at $1,620 a year. This is $46 more than the average policy premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and Progressive are also on the list of the best Las Vegas, NV auto insurance companies.

Now we will pretend the driver in the first chart a claim or two, bad credit, and a stop sign violation. Since each auto insurance company uses their own method to determining premium rates, analyzing rates could now result in a substantially altered list of affordable Las Vegas car insurance companies as shown below.

GEICO now has the lowest car insurance rate in Las Vegas with Allied, Nationwide, USAA, and Safeco now being in the top five. This shows why it is important to spend some time comparing rates to get the cheapest insurance quotes for a Subaru Outback.

Car insurance prices consist of many different factors and change frequently, so the best option when you last compared rates may now be wasting a lot of money.

How to find low-cost insurance for a Subaru Outback

Here are many money-saving ideas that can help Nevada drivers locate cheaper auto insurance.

The last tip in the list is particularly crucial, as we pointed out in this article. Prices charged by car insurance companies vary considerably, so don’t be unwilling to switch carriers if you find a better deal.

Sticking with a specific company is fine, but it isn’t a good idea if that loyalty results in overpaying hundreds every year. Take a few minutes and compare prices to find cheaper car insurance for a Subaru Outback in Las Vegas.

The agencies below can aid you in deciding which car insurance company is the best fit, since some drivers have questions and prefer to have the advice of a professional agent when comparing insurance rates for an Outback. It can be difficult to find the best policy on your own, and insurance agents can give peace of mind knowing you have adequate coverage when you need it most. To find an auto insurance agency by location nearest to you, click the link at the bottom.

Nationwide Insurance: Sage Insurance Services Inc Agency
1081 S Cimarron Rd, Ste B56Las Vegas, NV 89145(702) 613-0000

AmeriSent Insurance
6070 S Eastern Ave #400Las Vegas, NV 89119(702) 456-1400

Allstate Insurance: Sergio A Chavez
4676 W Charleston BlvdLas Vegas, NV 89102(702) 462-9100

Family Trust Insurance, LLC
6420 W Spring Mountain Rd #20Las Vegas, NV 89146(702) 212-3838

View more Las Vegas, NV insurance agents