How Much Does Insurance Cost for a Subaru Outback in Maine?

Our editors always tell us that when writing about auto insurance, the word cheap should never be used as a descriptor for auto insurance rates. The fact is, cheap auto insurance for a Subaru Outback is pretty hard to find. But don’t despair, because we will teach you how you can still find insurance that is more affordable.

Your chances of buying cheaper car insurance for a Subaru Outback in Maine depends on a pretty complex algorithm that uses a lot of factors such as whether the vehicle is new, if you have ever let your coverage lapse, and if you have a history of accidents. Maine drivers on average pay around $500 annually for Outback insurance, but that is an estimation assuming a 50-year-old single male that purchased both comprehensive and collision coverage and $1,000 policy deductibles.

This brings up the issue that more than likely you are not 50 and maybe not even a male, maybe you are married instead of single, or maybe you have a violation on your driving record. Just a very minor change in policy rating criteria or coverages can lead to a significant difference in the amount insurance costs for a Subaru Outback.

Auto insurance is not the same for everyone, so the best method for finding the cheapest rates for your Subaru is to do a thorough rate comparison. It only takes a couple of minutes and you will receive price comparisons from the cheapest companies that insure vehicles in Maine.

Cheapest Subaru Outback Insurance Rates

Your vehicle’s trim level can impact price, so the rate you will pay to insure a Outback 2.5I trim level will be $72 less expensive the price to insure the high end Outback 3.6R Limited model, as demonstrated by the prices below.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maine minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in specific location information which can alter prices considerably.

Deciding which insurers offer the best auto insurance rates for a Subaru Outback requires a tad more effort than just comparing rates from one or two companies.

Each auto insurer has their own process to establish rates, so we’ll go over the auto insurance companies that tend to be cheaper in Maine. It’s important to know that Maine auto insurance rates are determined by lots of factors which can substantially decrease or increase the price of coverage. Improving your credit rating, moving across town, or having a fender bender may prompt premium changes resulting in some rates now being more affordable than competitors.

Lowest Insurance Price Quotes for Your Subaru

Click Here to Start Your Quote

Travelers normally has some of the best car insurance rates in Maine at around $630 per year. USAA, Vermont Mutual, Patriot, and Countryway Insurance also make the cut as some of the cheaper Maine insurance companies.

In the rate table above, if you currently buy coverage from Countryway Insurance and switched to USAA, you might see an annual premium reduction of upwards of $72. Policyholders with The Hartford may save as much as $102 a year, and MetLife insureds might cut rates by $122 a year.

To find cheap insurance for a Subaru Outback in Maine for your vehicle, click here or visit any of the companies below.

These premiums 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 company that can offer you the best price may not even be shown in the list of companies shown earlier. That is why you need to get car insurance quotes using your own driver information and specific vehicle type.

Discount Maine insurance

Insurance companies that offer cheap insurance for a Subaru Outback in Maine may also give you rate discounts that may potentially lower prices by as much as 35% if you meet the requirements. Large auto insurance companies and a summarized list of policyholder discounts are outlined below.

• GEICO discounts include multi-vehicle, daytime running lights, air bags, membership and employees, five-year accident-free, and driver training.
• Travelers offers premium reductions for multi-car, IntelliDrive, multi-policy, save driver, new car, home ownership, and student away at school.
• Farm Bureau has discounts for multi-vehicle, renewal discount, good student, multi-policy, and safe driver.
• Liberty Mutual may include discounts for new move discount, newly married, multi-car, hybrid vehicle, and safety features.
• American Family may offer discounts for multi-vehicle, defensive driver, early bird, accident-free, and mySafetyValet.
• Progressive may have discounts that include multi-vehicle, homeowner, online quote discount, online signing, and good student.

The information below compares car insurance costs with and without discounts being applied to the rates. The price estimates are based on a female driver, no claims or violations, Maine state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with claim-free, vehicle safety, defensive driving course, passive restraint, anti-theft, and multiple vehicle discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for a Subaru Outback is 27% or $328.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 1757,1269],[‘Age 30’, 1219,887],[‘Age 40’, 1133,827],[‘Age 50’, 993,723],[‘Age 60’, 963,701],[‘Age 70’, 1117,809]]);var options = {title: ‘Effect of Discounts on Insurance Rates for a Subaru Outback’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Outback in Maine’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Progressive, Geico, State Farm, and Allstate compared

When researching insurance for an Outback, four good companies to start with are Progressive, Geico, State Farm, and Allstate. When combined, they have about half of all car insurance policies written. The table below shows ratings for price and service, as well as some optional coverages that policyholders can buy.