How Much is Insurance for a Subaru Outback in Nevada?

When writing about car insurance, the word cheap really should not be used anywhere in the article to describe car insurance rates. The fact is, cheap car insurance for a Subaru Outback is not easy to find. Don’t let that bother you, though, because we can show you some ways you can still get coverage that is affordable.

The chances that you’ll find cheaper car insurance for a Subaru Outback in Nevada is dependent upon dozens of factors like your birth date, the likelihood of vehicle theft, and driving citations. Drivers in Nevada pay an average rate of $830 annually to insure an Outback, but that amount is a projection assuming a 30-year-old married male driver that included full comprehensive and collision coverage and $500 physical damage deductibles.

There’s a high likelihood you aren’t exactly 30 years old or even a male, you might be single instead of married, and maybe you want different deductibles. Every driver has a different risk profile, so the best way to quote the most affordable coverage for your Subaru is to put in the effort to do a thorough rate comparison. Price quotes are quick and you can get rates from the best auto insurance companies that offer coverage in Nevada.

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The trim level of your Subaru has an effect on the yearly cost, so the rate you pay to insure a Outback 2.5I will be $142 cheaper than the cost to insure the higher-end Outback 3.6R Limited version, as demonstrated by the prices below.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate information does not factor in vehicle location which can decrease or increase coverage prices noticeably.

Locating reasonably-priced insurance is not easy, and determining which companies have the lowest-priced car insurance rates for a Subaru Outback will take even more work. Every car insurance company has their own formula to set premium rates, so let’s take a look at the most affordable car insurance companies in Nevada.

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Travelers may have some of the most affordable car insurance rates in Nevada at around $912 per year. Allied, Capital, Oregon Mutual, and Progressive also make the cut as some of the lowest-priced Nevada car insurance companies.

As shown in the table above, if you buy coverage from Oregon Mutual and switched to Allied, you might realize annual savings of about $272. Insureds with Progressive may save as much as $281 a year, and American Family policyholders might reduce rates by $309 a year.

It’s important to note that these premium estimates are averages across all ages of drivers and types of vehicles and and are not figured with a specific rate factor for a Subaru Outback. So the insurer that is best for you may not even be shown in the above list. That points out the importance of why you need to get car insurance quotes using your own personal information and vehicle type.

Should you buy full coverage?

Finding cheap insurance for a Subaru Outback in Nevada is the goal of most people, and one good way to find cheaper insurance is to buy only liability coverage. The illustration below illustrates the comparison of car insurance costs with full coverage and liability only. The data is based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

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If all age groups are averaged, full coverage on your policy costs $1,556 per year more than buying just liability insurance. That touches on the question when is it a good idea to stop buying full coverage. There is no set rule to exclude comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let’s say your vehicle’s replacement value is $11,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $10,500 after the policy deductible has been paid. If you are paying in excess of $1,050 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where dropping physical damage coverage is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

The diagram below shows how choosing a deductible can increase or decrease insurance costs when searching for cheap insurance for a Subaru Outback. The price estimates are based on a married male driver, comp and collision included, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3165,2889,2577,2281],[‘Age 30’, 1675,1527,1353,1187],[‘Age 40’, 1605,1469,1311,1157],[‘Age 50’, 1463,1341,1199,1059],[‘Age 60’, 1437,1317,1177,1041],[‘Age 70’, 1643,1511,1363,1221]]);var options = {title: ‘Impact of Deductibles on Subaru Outback Insurance Rates in Nevada’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Outback’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 50-year-old driver could pocket $264 a year by changing from a $100 deductible up to a $500 deductible, or save $404 by choosing a $1,000 deductible. Youthful drivers, like the age 20 example, could shave up to $884 or more just by choosing higher deductibles.

If you do make the decision to raise your deductibles, it will be necessary to have plenty of discretionary funds to pay the extra out-of-pocket expense associated with higher deductibles.