Cheap Subaru Impreza Car Insurance in 2024 (10 Most Affordable Companies)
Cheap Subaru Impreza car insurance starts at $32/month with AAA, State Farm, and Travelers, offering the best rates. AAA excels in overall value, State Farm is top for local agents, and Travelers is top for bundling policies. Compare these options to find affordable Subaru Impreza insurance and save on premiums.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jul 31, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jul 31, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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2,934 reviews
Company Facts
Min. Coverage for Subaru Impreza
A.M. Best Rating
Complaint Level
Pros & Cons
2,934 reviews
17,757 reviews
Company Facts
Min. Coverage for Subaru Impreza
A.M. Best Rating
Complaint Level
Pros & Cons
17,757 reviews
1,731 reviews
Company Facts
Min. Coverage for Subaru Impreza
A.M. Best Rating
Complaint Level
Pros & Cons
1,731 reviews
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $32 A Roadside Assistance AAA
#2 $33 B Local Agents State Farm
#3 $37 A++ Bundling Policies Travelers
#4 $42 A+ Tailored Policies The Hartford
#5 $43 A+ Vanishing Deductible Nationwide
#6 $45 A+ Dividend Payments Amica Mutual
#7 $52 A Safe-Driving Discounts Farmers
#8 $60 A+ Customer Service Allstate
#9 $66 A Add-on Coverages Liberty Mutual
#10 $85 A High-Risk Coverage The General
Find the best comprehensive car insurance quotes by entering your ZIP code into our free comparison tool today.
- AAA offers the best overall value with rates starting at $32/month
- Compare insurance providers to find the most affordable Subaru Impreza rates
- State Farm and Travelers provide competitive rates and valuable coverage options
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
AAA | $32 | $84 |
Allstate | $60 | $157 |
Amica Mutual | $45 | $148 |
Farmers | $52 | $136 |
Liberty Mutual | $66 | $170 |
Nationwide | $43 | $112 |
State Farm | $33 | $85 |
The General | $85 | $222 |
The Hartford | $42 | $109 |
Travelers | $37 | $97 |
Factors That Affect Subaru Impreza Car Insurance Rates
Insurers consider several key factors when determining the cost of car insurance for Subaru Impreza owners. Your driving record, including any previous accidents or traffic violations, is crucial, as a clean record generally results in lower premiums. Age and gender also play a role, with younger and male drivers often facing higher rates due to statistical risk.
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Your geographical location affects costs too, as areas with higher accident or theft rates may lead to increased premiums. The specific model, year, and trim level of your Subaru Impreza impact rates, with higher-end trims often costing less to insure due to advanced safety features. Annual mileage influences insurance costs, as higher mileage can mean greater risk and wear and tear.
Vehicle usage is another factor; personal use typically qualifies for lower premiums compared to business use. Lastly, your credit history can affect rates, with good credit potentially leading to lower premiums. Delve into the depths of our “Best Low Mileage Car Insurance Discounts” for additional insights.
Tips for Finding Affordable Car Insurance for Your Subaru Impreza
Finding affordable car insurance for your Subaru Impreza is possible when you employ the following tips:
- Shop Around: Obtain quotes from various insurance companies to compare rates and coverage options.
- Consider Higher Deductibles: Opting for higher deductibles can help lower your insurance premiums. However, ensure you can comfortably afford the deductible if you need to file a claim.
- Take Advantage of Discounts: Many insurers offer discounts for factors such as safe driving, multiple policies, or anti-theft devices. Inquire about available discounts when obtaining quotes.
- Bundle Insurance Policies: Some insurers provide discounts when you bundle your Subaru Impreza’s car insurance with other policies like home or renters insurance.
- Maintain a Clean Driving Record: Avoiding accidents and traffic violations can lead to lower insurance premiums over time.
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Comparing Car Insurance Rates for Different Subaru Models
When comparing car insurance rates, it’s vital to consider that insurance costs can vary not only between different models but also between different insurers. Insurance rates can depend on the model’s safety features, repair costs, and collision and theft statistics specific to that model.
Therefore, it’s recommended to obtain quotes from various insurance providers to compare rates and coverage options for different Subaru models, including the Impreza. Another factor to consider when comparing car insurance rates for different Subaru models is the age and driving history of the policyholder.
Insurance companies often take into account the age and driving experience of the person insured when determining the premium. Younger drivers or those with a history of accidents or traffic violations may face higher insurance rates compared to older, more experienced drivers with a clean driving record.
In addition, the location where the vehicle will be primarily driven and parked can also impact insurance rates. Urban areas with higher rates of accidents or theft may result in higher premiums compared to rural areas with lower risk factors. It’s important to provide accurate information about the location where the vehicle will be used to obtain accurate insurance quotes for different Subaru models.
The Average Cost of Car Insurance for a Subaru Impreza
The average cost of car insurance for a Subaru Impreza can vary based on your specific location. Keep in mind that multiple factors, including those mentioned earlier, influence insurance rates. It’s generally recommended to contact local insurance providers or utilize online comparison tools to receive personalized quotes based on your location and particular circumstances.
Expand your understanding with our “Insurance Quotes Online.”
Common Misconceptions About Car Insurance Rates for Subaru Impreza
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How to Lower Your Car Insurance Costs for a Subaru Impreza
Finding the Best Car Insurance Provider for Your Subaru Impreza
Choosing the right car insurance provider for your Subaru Impreza involves careful consideration. Compare rates, coverage options, customer reviews, and the insurer’s financial stability. It’s advisable to select a provider with an excellent track record and a strong reputation for customer service. Find out more by reading our “A.M. Best Ratings Explained.”
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Factors to Consider When Choosing a Deductible for Your Subaru Impreza’S Car Insurance
When selecting a deductible, consider your financial situation and risk tolerance. A higher deductible typically means lower insurance premiums, but you must be prepared to cover the deductible amount in case of a claim. Assess your ability to pay the deductible comfortably and choose accordingly. Unlock additional information in our “Best Car Insurance Discounts.”
Understanding the Importance of Car Insurance for Subaru Impreza Owners
Car insurance is essential for Subaru Impreza owners as it provides financial protection against unexpected events such as accidents, theft, or damage. Having appropriate coverage can provide peace of mind while driving and help mitigate potential financial burdens that may arise from unfortunate situations.
AAA offers the best overall value for Subaru Impreza insurance with unbeatable rates and comprehensive coverage options.
One important aspect of car insurance for Subaru Impreza owners is the coverage for repairs and replacement parts. As a Subaru Impreza is a specialized vehicle, it may require specific parts that can be expensive to obtain. With the right insurance coverage, owners can ensure that they have access to genuine Subaru parts and qualified technicians for repairs, minimizing the risk of subpar repairs or the use of counterfeit parts.
Additionally, car insurance for Subaru Impreza owners often includes coverage for personal belongings that may be stolen or damaged while in the vehicle. This can be particularly valuable for owners who frequently travel or leave valuable items in their car. With the appropriate insurance coverage, owners can have peace of mind knowing that their personal belongings are protected in case of theft or damage.
Uncover more about our “How to File a Car Insurance Claim” by reading further.
The Importance of Maintaining a Clean Driving Record When Insuring a Subaru Impreza
A clean driving record is crucial when insuring your Subaru Impreza. A history free of accidents and traffic violations can lead to lower insurance premiums over time. Safe driving habits not only keep you and others safe on the road but can also provide valuable savings on car insurance. Access supplementary details in our “Best Defensive Driver Car Insurance Discounts.”
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Understanding the Claims Process and Coverage Limits for Subaru Impreza Car Insurance
It’s crucial to understand the claims process and coverage limits outlined in your Subaru Impreza car insurance policy. Familiarize yourself with the steps to take when filing a claim, the required documentation, and any deadlines involved. Additionally, be aware of your policy’s coverage limits to avoid any surprises in case of an accident or other covered events.
Enhance your comprehension with our “Commonly Misunderstood Insurance Concepts.”
Exploring Discounts and Savings Opportunities for Subaru Impreza Car Insurance
Insurance providers often offer discounts and savings opportunities specific to Subaru Impreza owners. These discounts may include safe driver discounts, loyalty discounts, or discounts for installing advanced safety features. Inquire about available discounts when obtaining quotes to maximize your savings. Obtain further insights from our “Loyalty Car Insurance Discount.”
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Comparing Comprehensive and Liability-Only Coverage Options for a Subaru Impreza
When choosing between comprehensive and liability-only coverage for your Subaru Impreza, consider your individual needs and circumstances. While comprehensive coverage offers broader protection, it comes at a higher cost. Liability-only coverage provides basic protection and meets legal requirements but may leave you vulnerable to expenses in case of non-collision-related damages.
Access the complete picture in our “Best Car Insurance for Liability Insurance.”
How Your Location Affects the Cost of Insuring a Subaru Impreza
Your location plays a significant role in determining insurance costs for your Subaru Impreza. High-crime areas or regions prone to severe weather conditions may result in higher insurance premiums. To accurately gauge the impact of your location, consult with local insurance providers to obtain personalized quotes. Discover what lies beyond with our “U.S. Hate Crime Rates and Statistics.”
Tips for Negotiating Better Rates with Car Insurance Companies for Your Subaru Impreza
When negotiating better rates with car insurance companies for your Subaru Impreza, keep these tips in mind:
- Provide Accurate and Complete Information: Ensure you provide accurate details about your Subaru Impreza, driving history, and other required information to obtain an accurate quote.
- Highlight Applicable Discounts or Savings: Inquire about available discounts and mention any factors that may qualify you for better rates.
- Consider Multiple Quotes: Gather quotes from various insurers to compare rates and leverage the information while negotiating with your preferred provider.
- Take Advantage of Loyalty Benefits: If you have been insured with the same company for an extended period, inquire about loyalty benefits that may help lower your rates. Gain a deeper understanding through our “Best Loyalty Car Insurance Discounts.”
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The Impact of Mileage on Your Subaru Impreza’s Car Insurance Premiums
Mileage can impact your Subaru Impreza’s car insurance premiums. Insurers may consider higher mileage as an increased risk, potentially resulting in higher premiums. It’s essential to provide accurate mileage information when obtaining quotes and notify your insurer if your mileage patterns change.
AAA offers unmatched overall value for Subaru Impreza insurance with competitive rates and exceptional service.
In conclusion, the cost of car insurance for your Subaru Impreza can vary significantly based on multiple factors. Understanding these factors, comparing rates, and exploring available discounts can help you find affordable and suitable coverage.
Remember to assess your individual needs, review policies carefully, and maintain a clean driving record to secure the best possible insurance rates for your Subaru Impreza. Look at our “Mileage-Based Car Insurance” for expanded insights. Explore your car insurance options by entering your ZIP code and finding which companies have the lowest rates.
Frequently Asked Questions
What factors affect the cost of Subaru Impreza car insurance?
The cost of Subaru Impreza car insurance can be influenced by various factors such as the driver’s age, location, driving record, coverage options, deductible amount, and the specific model and year of the Subaru Impreza.
Gain deeper insights by perusing our article named “Cheap Subaru Tribeca Car Insurance.”
Are Subaru Imprezas expensive to insure compared to other cars?
The insurance cost for Subaru Imprezas is generally affordable compared to many other cars. However, insurance rates can vary depending on the factors mentioned earlier, so it’s best to obtain quotes from different insurance providers to find the most competitive rate.
What are some ways to lower the cost of Subaru Impreza car insurance?
To potentially lower the cost of Subaru Impreza car insurance, you can consider increasing your deductible, maintaining a clean driving record, bundling your car insurance with other policies, taking advantage of available discounts, and comparing quotes from multiple insurance companies.
Ready to shop around for the best car insurance company? Enter your ZIP code and see which one offers the coverage you need.
Does the Subaru Impreza’s safety rating affect insurance costs?
Yes, the safety rating of the Subaru Impreza can impact insurance costs. Vehicles with higher safety ratings tend to have lower insurance premiums since they are considered less risky to insure. The Subaru Impreza generally has good safety ratings, which can help in obtaining more favorable insurance rates.
Are there specific insurance plans that cater to senior Subaru Impreza drivers?
Yes, many insurance companies offer specific plans and discounts for senior drivers. These plans may provide lower premiums based on the assumption that seniors tend to drive less and are more experienced drivers. It’s important to shop around and ask insurers about any senior-specific discounts or plans.
Dive into the details with our article entitled “Cheap Subaru Baja Car Insurance.”
What coverage options are necessary for a Subaru Impreza?
Necessary coverage options for a Subaru Impreza typically include liability insurance (which covers bodily injury and property damage to others), collision insurance (which covers damage to your car in the event of an accident), comprehensive insurance (which covers non-collision-related damage), uninsured/underinsured motorist coverage, and personal injury protection (PIP) or medical payments coverage.
Is it cheaper to insure a Subaru Impreza with liability-only coverage?
Yes, liability-only coverage is generally cheaper than full coverage (which includes both collision and comprehensive insurance). However, liability-only coverage does not protect your car against damage or theft, so it may not be the best choice if your Subaru Impreza is relatively new or valuable.
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Should I consider comprehensive and collision coverage for my Subaru Impreza?
Yes, you should consider comprehensive and collision coverage if your Subaru Impreza is new or has a higher market value. These coverages protect your vehicle from a wide range of risks, including accidents, theft, vandalism, and natural disasters, providing more financial protection than liability-only insurance.
How much will adding a teenage driver to my Subaru Impreza insurance policy cost?
Adding a teenage driver to your insurance policy can significantly increase your premiums, sometimes by as much as 100% or more. This is because teenage drivers are considered high-risk due to their lack of experience and higher likelihood of being involved in accidents. It’s best to get specific quotes from your insurer to understand the exact cost.
Explore further in our article titled “Cheap Subaru Outback Car Insurance.”
Can I reduce my Subaru Impreza insurance premium by increasing my deductible?
Yes, increasing your deductible (the amount you pay out of pocket before insurance kicks in) can lower your premium. However, make sure the deductible amount is still affordable for you in case you need to file a claim.
Are there any specific insurance requirements for leasing a Subaru Impreza?
Yes, leasing companies usually require you to carry higher levels of insurance coverage, including both comprehensive and collision coverage, and often set minimum liability limits. Check your lease agreement for the specific requirements.
Does the color of my Subaru Impreza affect my insurance rates?
No, the color of your vehicle does not affect your insurance rates. Insurance companies base their premiums on factors such as the car’s make, model, year, engine size, safety features, and your driving record, not the color.
Can I get cheaper insurance for a Subaru Impreza by taking a defensive driving course?
Yes, many insurance companies offer discounts to drivers who complete a defensive driving course. These courses can help you become a safer driver, which can lead to lower insurance premiums.
Delve into the specifics in our article called “Cheap Subaru Forester Car Insurance.”
How does my marital status influence the cost of insuring my Subaru Impreza?
Marital status can affect insurance premiums, with married drivers often paying less than single drivers. Insurers believe married drivers are more likely to drive safely and file fewer claims.
Are there loyalty discounts for insuring a Subaru Impreza with the same company for multiple years?
Yes, many insurance companies offer loyalty discounts to customers who stay with them for multiple years. These discounts can help lower your premiums over time.
How do claims history and accident frequency impact Subaru Impreza insurance premiums?
A history of frequent claims or accidents can increase your insurance premiums. Insurers consider drivers with multiple claims or accidents to be higher risk, leading to higher rates.
Can I switch insurance providers without a penalty for my Subaru Impreza?
Yes, you can switch insurance providers at any time without a penalty. However, it’s important to check your current policy for any cancellation fees and ensure there is no lapse in coverage when switching.
For a comprehensive understanding, consult our article titled “Cheap Subaru Legacy Car Insurance.”
What should I consider when comparing insurance quotes for a Subaru Impreza?
When comparing insurance quotes, consider the coverage options, deductibles, limits, discounts, and the insurer’s reputation for customer service and claims handling. Make sure you’re comparing similar coverage levels to get an accurate comparison.
How often should I shop around for better Subaru Impreza insurance rates?
It’s a good idea to shop around for insurance quotes at least once a year or whenever there are significant changes in your life or driving habits. This can help you find the best rates and coverage for your needs.
Are there any hidden fees I should be aware of when insuring my Subaru Impreza?
While most fees should be disclosed in your policy documents, some insurers may charge administrative fees, cancellation fees, or fees for policy changes. Always read the fine print and ask your insurer about any potential fees.
How does having multiple vehicles, including a Subaru Impreza, affect my insurance rates?
Having multiple vehicles can often qualify you for a multi-car discount, which can lower your overall insurance costs. This discount is offered by many insurers when you insure more than one vehicle under the same policy.
Enhance your knowledge by reading our “Cheap Subaru Crosstrek Car Insurance.”
Can I get cheaper insurance for a Subaru Impreza by limiting the number of drivers?
Yes, limiting the number of drivers listed on your policy to only those who use the vehicle regularly can help lower your premiums. Including high-risk drivers can increase your rates.
Are there specific insurance add-ons that are beneficial for Subaru Impreza owners?
Beneficial insurance add-ons for Subaru Impreza owners can include roadside assistance, rental car reimbursement, gap insurance (especially if you have a loan or lease), and new car replacement coverage.
How does the engine size and horsepower of my Subaru Impreza affect insurance costs?
Vehicles with larger engines and higher horsepower typically have higher insurance premiums because they are considered higher risk. These vehicles may be more expensive to repair and are often driven at higher speeds, increasing the likelihood of accidents.
Get a better grasp by checking out our article titled “Cheap Subaru WRX Car Insurance.”
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.