Best Cheap Insurance Quotes for a Subaru Outback in Tennessee

Our staff writers always rib each other than when writing about car insurance, the word cheap shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Unfortunately, cheap auto insurance for a Subaru Outback does not exist. But don’t despair, because we can show you some ways you can quote auto insurance that fits into your budget.

The chances that you’ll find cheap car insurance for a Subaru Outback in Tennessee relies on an enormous amount of factors like whether you use your Outback for business use, whether or not you garage your vehicle, and the deductible amount you use. Drivers pay around $660 a year for Outback insurance, but that cost is an approximation based on rate data for a 40-year-old married male driver that purchased comprehensive and collision coverage and $1,000 physical damage deductibles.

There is a high probability that you are not 40 and possibly not even male, single instead of married, or maybe you’re a renter instead of a homeowner. There is no perfect policy for every driver, so the way we recommend to find the cheapest rates for your Subaru is to make a habit of comparing prices at least once a year. It takes less than five minutes and you will be able to see rates from some of the most affordable companies in Tennessee.

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The trim level of your Subaru will influence the yearly cost, so the price you pay to insure a Outback 2.5I trim level will be $94 cheaper than the price to insure the fancier Outback 3.6R Limited trim level, as shown in the table below.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate information does not factor in vehicle location which can decrease or increase coverage rates noticeably.

Best car insurance in Tennessee

Selecting the top insurance company can be difficult considering how many different companies sell coverage in Tennessee. The ranking information below can help you analyze which companies to look at comparing prices from.

The ratings below include the largest companies in America, so companies that focus mainly on Tennessee business are not factored into these rankings. If you’d like to compare prices from these top-rated insurers and more, follow this link.

Top 10 Major Auto Insurance Companies Overall in Tennessee

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top 10 Major Auto Insurance Companies in Tennessee Ranked by Customer Service

1. USAA
2. Travelers
3. AAA Insurance
4. Nationwide
5. Safeco Insurance
6. Progressive
7. State Farm
8. The Hartford
9. The General
10. Esurance

Top Companies for Subaru Outback Insurance in Tennessee

Impact of careless driving on car insurance rates

The easiest way to maintain good car insurance prices in Tennessee for an Outback is to drive carefully and maintain a clean driving record. The diagram below highlights how speeding tickets and at-fault claims can drive up annual premium costs for each age group. The premiums assume a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

In the chart above, the average cost of auto insurance in Tennessee per year with a clean driving record and no accidents is $2,195. Factor in two speeding tickets and the average cost increases to $2,921, an increase of $727 each year. Now add one accident along with the two speeding tickets and the annual cost of car insurance for a Subaru Outback goes up to an average of $3,642. That’s an increase of $1,447, or $121 per month, just for not being a responsible driver!

The information below illustrates how choosing a deductible can change yearly insurance costs when researching cheap insurance for a Subaru Outback. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

A 30-year-old driver could lower their policy premium by $242 a year by switching from a $100 deductible to a $500 deductible, or save $372 by using a $1,000 deductible. Young drivers, like the Age 20 category, could possibly save up to $716 or more by choosing larger deductibles on their policy.

If you do raise deductibles, it is essential to have additional savings on hand to be able to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Geico, Allstate, State Farm, or Progressive: Which is best?

When researching insurance for an Outback, some of the first companies to look at are Geico, Allstate, State Farm, and Progressive. The table below ranks price and claims rank as well as some different options you can buy with each company.