Best Cheap Insurance for a Subaru Outback in Nebraska

When we talk about auto insurance, the words cheap or affordable really should not be used anywhere in the article. Unfortunately, cheap car insurance for a Subaru Outback is almost non-existent. But don’t let that discourage you, because we can show you some ways you can quote and buy insurance that is more affordable.

Your odds of finding the cheapest insurance for a Subaru Outback in Nebraska depends upon a lot of different factors such as miles driven annually, what you do for a living, and driving citations. Drivers on average pay approximately $1,150 per year to buy Subaru Outback insurance, but that rate is based on rate data for a 40-year-old single female driver that purchased comprehensive and collision coverage and $100 physical damage deductibles.

Odds are that you aren’t exactly 40 years old or even a female, maybe you are married instead of single, and maybe you want higher deductibles. Auto insurance is not the same for everyone, so the most reliable way to find cheap insurance rates for your Subaru is to do a thorough rate comparison. In just a few minutes you can get rates from top-rated car insurance companies in Nebraska.

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Your Subaru’s trim level can impact the yearly cost, so the rate you will pay to insure a Outback 2.5I trim level will be $220 less than the insurance cost for the fancier Outback 3.6R Limited version, as shown by the rates below.

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can impact premiums substantially.

Deciphering which company has the cheapest car insurance rates for a Subaru Outback will take more time than just picking a company at random.

Each auto insurer has their own process for determining rates, so let’s rank the car insurance companies that tend to have lower prices in Nebraska. It’s a good idea to know that Nebraska car insurance rates are based on many factors which can substantially change the cost of having a policy. Getting older, increasing liability limits, or getting a DUI can trigger rate changes resulting in some companies being more affordable than the competition.

Compare Cheap Insurance Quotes for Your Subaru

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Safeco may offer some of the best car insurance rates in Nebraska at around $780 annually. The Hartford, Auto-Owners, Allied, and Nationwide would also make the list of some of the more affordable Nebraska auto insurance companies.

In the above example, if you have coverage with Auto-Owners and switched to Safeco, you might realize an annual savings of roughly $143. Nebraska drivers with Allied might save as much as $159 a year, and Nationwide customers might see rate reductions of $227 a year.

To see if your current coverage is too expensive, click here to start your custom quote or feel free to get quotes from the companies below.

It’s important to note that these premiums are averages across all insureds and vehicles and and are not calculated with a specific rate value for a Subaru Outback. So the company that has the lowest price for you may not even be shown in the rate chart shown above. That points out the importance of why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

How accidents and violations affect rates

In a perfect world, the best way to earn the best car insurance premiums for an Outback is to be a careful driver and avoid accidents and violations. The illustration below highlights how traffic violations and accident claims can increase annual premium costs for different insured age categories. The prices are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

In the chart above, the average cost of an auto insurance policy in Nebraska per year with a clean driving record and no accidents is $1,706. Get written up for one speeding ticket and the average cost surges to $1,922, an increase of $216 each year. Now get one accident along with the one speeding ticket and the annual cost of car insurance for a Subaru Outback increases to an average of $2,522. That’s an increase of $816, or $68 per month, just for not driving safely!

Does Geico, State Farm, Allstate, or Progressive have the cheapest car insurance?

If you want reliable car insurance, the first places to look would be Geico, State Farm, Allstate, and Progressive. Combined they have 48.5% of all policies written. All of them have a distict selection of optional coverages and features that may influence your buying decision. The data below breaks down some of the ratings and options that are available for buyers.