Who Has Affordable Auto Insurance for a Subaru Outback in Nashville?

Finding cheap car insurance for a Subaru Outback in Tennessee hinges on a lot of rating factors such as your marital status, if you have recent claims, and citations on your driving record. Drivers will pay on average $697 per year for Outback insurance, but that cost is a valuation using a 50-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.

There’s a high likelihood you may not be 50 years old (or even female), maybe you are married instead of single, and maybe you have sub-par credit that needs to be factored in. Even a minor difference in the rating criteria used to formulate rates may result in significant differences in rates.

Car insurance coverage is unique to each driver, so this is why the only way to find affordable rates for your Subaru is to compare as many rates as possible.

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Your vehicle’s trim level tends to impact the yearly cost, so the price you pay to insure a Outback 2.5I trim level will be $100 less than the insurance cost for the fancier Outback 3.6R Limited model, as shown below.

Subaru Outback Insurance Rates in Nashville, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outback 2.5I $134 $190 $326 $20 $98 $768 $64
Outback 2.5I Premium $134 $232 $326 $20 $98 $810 $68
Outback 2.5I Limited $134 $232 $326 $20 $98 $810 $68
Outback 3.6R $134 $232 $326 $20 $98 $810 $68
Outback 3.6R Premium $134 $232 $326 $20 $98 $810 $68
Outback 3.6R Limited $150 $274 $326 $20 $98 $868 $72
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in zip code location which can impact coverage rates noticeably.

Finding reliable, budget car insurance is not easy, and finding out which company has the best car insurance rates for a Subaru Outback will involve even more diligence.

Each company has a unique approach for determining prices, so let’s take a look at the car insurance companies with the most affordable rates in Nashville.

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Cheapest Tennessee auto insurance companies
Rank Company Cost Per Year
1 Utica National $767
2 Auto-Owners $861
3 Cincinnati Insurance $884
4 Penn National $926
5 USAA $947
6 Tennessee Farmers $961
7 Erie $987
8 Nationwide $1,012
9 Westfield $1,047
10 Allied $1,060
11 GEICO $1,110
12 State Farm $1,177
13 Progressive $1,190
14 Travelers $1,201
15 Direct General $1,201
16 The Hartford $1,208
17 Shelter $1,223
18 State Auto $1,241
19 21st Century $1,261
20 Chubb $1,316
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Utica National may have some of the lowest car insurance rates in Nashville at around $767 annually. Auto-Owners, Cincinnati Insurance, Penn National, and USAA also are some of the more affordable Nashville, TN car insurance companies.

As shown in the rates above, if you are a customer of Cincinnati Insurance and switched to Utica National, you may see annual savings of roughly $117. Drivers with Penn National could save as much as $159 a year, and USAA customers might see rate reductions of $180 a year.

To discover how much you can save, click here to begin a quote or click through to the companies below.

Understand that those estimates are averaged for all drivers and vehicles and and are not figured with a specific zip code for a Subaru Outback. So the auto insurance company that can offer you the best price may not even be in the top 30 companies shown above. That emphasizes why you need to get car insurance quotes using your own driver information and specific vehicle type.

How accidents and violations affect rates

In a perfect world, the best way to earn the most affordable car insurance prices in Nashville for an Outback is to be a careful driver and avoid accidents and keep your driving record clean. The chart below shows how traffic citations and at-fault claims can raise car insurance rates for each age group. The premium estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

In the previous example, the average cost of car insurance in Tennessee per year with a clean driving record and no accidents is $2,007. Get two speeding tickets and the average cost increases to $2,666, an increase of $659 each year. Then add one accident along with the two speeding tickets and the yearly cost of car insurance for a Subaru Outback increases to an average of $3,318. That’s an increase of $1,311, or $109 per month, just for not maintaining a clean driving record!

Low rates can quickly become overpriced

Nashville car insurance rates are based on many factors which can substantially change the price of your policy. Getting older, buying higher coverage limits, or getting a DUI can produce rate changes that can make some companies cheaper in comparison to the competition. Not only may things change on your end, but insurers change prices at least once a year to help ensure profitability. Higher than normal claim frequency or severity can result in higher rates, while a profitable period may cause lower-cost Outback insurance rates.

For instance, the chart below shows a variety of companies that have the cheapest car insurance in Nashville, TN for a 30-year-old male driver with a clean driving record, no accidents, and great credit. If we compare prices based on his current situation, Utica National may have the cheapest car insurance rates in Nashville at $885 per year. This is $443 less than the average rate paid by Tennessee drivers of $1,328. Cincinnati Insurance, Auto-Owners, Penn National, and USAA are the rest of the top five cheapest Nashville, TN auto insurance companies.

Now let’s give the driver in the first chart an at-fault accident, a lower credit rating, and a blemish on his driving record. Because every insurance company uses their own method for setting rates, getting updated rate quotes could now result in a slightly different list of the cheapest companies as shown below.

Erie now has the lowest price in Nashville with Allied, Nationwide, Westfield, and GEICO completing the list. This example demonstrates why it is important to compare lots of rates to get the cheapest car insurance rates for a Subaru Outback. Insurance prices are determined by many risk factors and can increase or decrease at any time, so the cheapest company a year ago may now cost much more than other companies.