Subaru Impreza Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Is a Subaru Impreza expensive to insure? Subra Impreza insurance rates average $1,428 a year, or $119 a month. There are plenty of ways to save on Subaru Impreza insurance rates, but drivers need to be aware of what factors go into these rates.

Read on to learn how your Subaru Impreza premiums are calculated so you can easily secure cheap car insurance rates.

You can compare Subaru Impreza WRX insurance rates to the Impreza SW. See how 2008 Subaru Impreza insurance costs compare to 2020 Subaru Impreza insurance costs.

If you want to jump right into finding cheap car insurance for a Subaru Impreza, enter your five-digit ZIP code in our FREE quote tool above.

Average insurance rates for a Subaru Impreza are $1,288 a year for full coverage insurance. Comprehensive costs an estimated $250, collision insurance costs $424, and liability costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs around $2,784. 16-year-old drivers receive the highest rates at up to $4,936 a year.

Average premium for full coverage: $1,288

Rate estimates broken down by individual coverage type:

Comprehensive $250
Collision $424
Liability $456

Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different Impreza trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the low end price of $508 for just liability coverage to a much higher rate of $2,784 for a driver who has had serious violations or accidents.

Liability Only $508
Full Coverage $1,288
High Risk $2,784

Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than congested cities. The price range example below illustrates how rural and urban location affects insurance prices.

Rural Areas $966
Small Cities $1,352
Large Cities $1,739

These examples illustrate why anyone shopping for car insurance should compare rates for a targeted area, instead of using rate averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

The chart below illustrates average Subaru Impreza insurance rates for other coverage scenarios.

  • The best full coverage rate is $751
  • Drivers who choose higher $1,000 deductibles will pay approximately $154 each year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,288
  • Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,582
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,784
  • The cost that insures a teen driver with full coverage can cost as much as $4,936 a year

View Chart as Image

Subaru Impreza insurance cost comparison chart
Column chart showing Subaru Impreza insurance rates range from $751 to $4,936 for full coverage

Auto insurance rates for a Subaru Impreza can also vary considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance can cost as much as 43% to 130% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $4,900 a year. View Rates by Age

Where you live makes a big difference in Subaru Impreza insurance prices. A 40-year-old driver could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,740 on average in Florida, New York, and Michigan.

Subaru Impreza Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,164 -$124 -9.6%
Alaska $988 -$300 -23.3%
Arizona $1,070 -$218 -16.9%
Arkansas $1,288 -$0 0.0%
California $1,466 $178 13.8%
Colorado $1,230 -$58 -4.5%
Connecticut $1,322 $34 2.6%
Delaware $1,456 $168 13.0%
Florida $1,610 $322 25.0%
Georgia $1,186 -$102 -7.9%
Hawaii $926 -$362 -28.1%
Idaho $870 -$418 -32.5%
Illinois $960 -$328 -25.5%
Indiana $970 -$318 -24.7%
Iowa $868 -$420 -32.6%
Kansas $1,222 -$66 -5.1%
Kentucky $1,756 $468 36.3%
Louisiana $1,904 $616 47.8%
Maine $796 -$492 -38.2%
Maryland $1,062 -$226 -17.5%
Massachusetts $1,030 -$258 -20.0%
Michigan $2,238 $950 73.8%
Minnesota $1,076 -$212 -16.5%
Mississippi $1,540 $252 19.6%
Missouri $1,142 -$146 -11.3%
Montana $1,382 $94 7.3%
Nebraska $1,014 -$274 -21.3%
Nevada $1,544 $256 19.9%
New Hampshire $928 -$360 -28.0%
New Jersey $1,436 $148 11.5%
New Mexico $1,138 -$150 -11.6%
New York $1,356 $68 5.3%
North Carolina $742 -$546 -42.4%
North Dakota $1,052 -$236 -18.3%
Ohio $888 -$400 -31.1%
Oklahoma $1,322 $34 2.6%
Oregon $1,178 -$110 -8.5%
Pennsylvania $1,228 -$60 -4.7%
Rhode Island $1,716 $428 33.2%
South Carolina $1,166 -$122 -9.5%
South Dakota $1,086 -$202 -15.7%
Tennessee $1,126 -$162 -12.6%
Texas $1,550 $262 20.3%
Utah $954 -$334 -25.9%
Vermont $882 -$406 -31.5%
Virginia $772 -$516 -40.1%
Washington $994 -$294 -22.8%
West Virginia $1,178 -$110 -8.5%
Wisconsin $890 -$398 -30.9%
Wyoming $1,146 -$142 -11.0%

View Chart as Image

Subaru Impreza insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $450 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Subaru Impreza Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Subaru Impreza $250 $424 $456 $1,288
2014 Subaru Impreza $216 $328 $464 $1,166
2013 Subaru Impreza $210 $306 $474 $1,148
2012 Subaru Impreza $194 $284 $474 $1,110
2011 Subaru Impreza $190 $258 $478 $1,084
2010 Subaru Impreza $176 $236 $474 $1,044
2008 Subaru Impreza $162 $192 $468 $980
2007 Subaru Impreza $158 $188 $460 $964
2006 Subaru Impreza $156 $178 $452 $944
2005 Subaru Impreza $142 $170 $446 $916
2004 Subaru Impreza $138 $162 $442 $900

Rates are averaged for all Subaru Impreza models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Affordable Subaru Impreza Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Comparison shop every other policy renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a brief review of the ideas that were raised in the charts and tables above.

  • Teenage drivers are the costliest to insure, costing up to $411 per month if the policy includes full coverage
  • Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,500 more annually for auto insurance
  • Increasing deductibles can save approximately $450 each year
  • It is possible to save approximately $150 per year just by shopping early and online

Are Subarus more expensive to insure? Shopping around for Subaru car insurance is one of the best ways to save and find out if a car you want to buy will cost more to insure.

So if you want to know if insurance is expensive for a Subaru Impreza or the Subaru Legacy insurance cost, start by getting quotes before you buy.

Ready to start shopping for the best car insurance for a Subaru Impreza? Start your search for an affordable Subaru Impreza car insurance company here.

Enter your ZIP code in our free tool to find car insurance companies in your area and get multiple cheap Subaru Impreza auto insurance quotes now.

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Subaru Impreza Size and Class and Liability Insurance

What does liability insurance cover? If you cause an accident, liability insurance will pay for the other drivers’ accident costs, such as repair bills and medical treatment. The Subaru Impreza is a small car, so it likely won’t have terrible liability losses because it won’t be able to crush other vehicles.

However, because liability losses also depend on if a car is crash-prone, we want to take a look at the Insurance Institute for Highway Safety’s (IIHS) data on insurance losses for the Subaru Impreza.

  • Property Damage Loss for Subaru Impreza 4WD: -6 percent (average)
  • Property Damage Loss for Subaru Impreza 4WD with EyeSight: -25 percent (better than average)
  • Bodily Injury Loss for Subaru Impreza 4WD: -13 percent (average)

Is a Subaru Impreza a good car when it comes to insurance losses? The losses are all average or better than average, which is good. It means that rates should also be average. So while people wonder why is Impreza insurance so high, Subaru Impreza insurance costs should actually be normal.

Subaru Impreza Liability Rates

We pulled sample rates from a Geico quote for a 40-year-old male driver who owns a 2020 Subaru Impreza Premium, travels 13,000 miles a year, and has a clean driving record. Below are average rates for six months of bodily injury liability coverage.

  • Low ($15,000/$30,000): $38.15
  • Medium ($100,000/$200,000): $78.22
  • High ($500,000/$500,000): $125.91

The average cost to upgrade your coverage from low to high is $87, or $14 a month. Next are the rates for six months of property damage liability coverage.

  • Low ($5,000): $425.98
  • Medium ($20,000): $452.37
  • High ($100,000): $471.65

The average cost to upgrade your coverage from low to high is $46, or $7 a month. This means you can upgrade both coverages from low to high for a total of $21 a month.

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Subaru Impreza Safety Features and Ratings

According to USNews, the Subaru Impreza has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Safety awards are also important, and just like safety features, good safety awards mean lower rates. The IIHS gave both the Subaru Impreza 4-door wagon and the Subaru Impreza 4-door sedan 2020 Top Safety Pick awards (applies only to vehicles with optional front crash prevention and specific headlights).

Take a look at the crash test ratings below.

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Good is the highest rating possible, so the Subaru Impreza did great. This is important, as cars don’t have the best track record in comparison to SUVs and pickups.

But what about the Subaru Impreza crash test ratings? See the various results of crash tests performed by the National Highway Traffic Safety Administration in the table below.

Subaru Impreza Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2019 Subaru Impreza SW AWD5 stars5 stars5 stars5 stars
2019 Subaru Impreza 4 DR AWD5 stars5 stars5 stars5 stars
2018 Subaru Impreza SW AWD5 stars5 stars5 stars5 stars
2018 Subaru Impreza 4 DR AWD5 stars5 stars5 stars5 stars
2017 Subaru Impreza SW AWD5 stars5 stars5 stars5 stars
2017 Subaru Impreza 4 DR AWD5 stars5 stars5 stars5 stars
2016 Subaru Impreza SW AWD5 stars5 stars5 stars5 stars
2016 Subaru Impreza 4 DR AWD5 stars5 stars5 stars5 stars
2015 Subaru Impreza SW AWD5 stars5 stars5 stars5 stars
2015 Subaru Impreza 4 DR AWD5 stars5 stars5 stars5 stars
2014 Subaru Impreza WRX/STI SW AWDN/RN/RN/R4 stars
2014 Subaru Impreza WRX/STI 4 DR AWDN/RN/RN/R4 stars
2014 Subaru Impreza WRX 4 DR AWDN/RN/RN/RN/R
2014 Subaru Impreza SW AWD5 stars4 stars5 stars5 stars
2014 Subaru Impreza 4 DR AWD5 stars4 stars5 stars5 stars
2013 Subaru Impreza WRX/STI SW AWDN/RN/RN/R4 stars
2013 Subaru Impreza WRX/STI 4 DR AWDN/RN/RN/R4 stars
2013 Subaru Impreza SW AWD5 stars4 stars5 stars5 stars
2013 Subaru Impreza 4 DR AWD5 stars4 stars5 stars5 stars
2012 Subaru Impreza WRX/STI SW AWDN/RN/RN/R4 stars
2012 Subaru Impreza WRX/STI 4 DR AWDN/RN/RN/R4 stars
2012 Subaru Impreza SW AWD4 stars4 stars4 stars5 stars
2012 Subaru Impreza 4 DR AWD4 stars4 stars4 stars5 stars
2011 Subaru Impreza SW AWDN/RN/RN/R4 stars
2011 Subaru Impreza 4 DR AWDN/RN/RN/R4 stars

A 5-star rating is the higher possible score given by the National Highway Traffic Safety Administration. Overall, the Subaru Impreza received incredible marks. You know you’re driving a safe and reliable vehicle if you’re behind the wheel of a Subaru Impreza.

The IIHS’s 2018 data showed that per million vehicles there were 48 car driver fatalities, 34 pickup driver fatalities, and 23 SUV driver fatalities. The all occupant fatalities per million vehicles equaled 69 car fatalities, 42 pickup fatalities, and 32 SUV fatalities.

The total fatalities equaled 13,138 for cars, 5,035 for SUVs, and 4,369 for pickups. Take a look at the 13,138 car fatalities broken up by crash type below.

  • Frontal Impact: 7,433 fatalities
  • Side Impact: 3,568 fatalities
  • Rear Impact: 834 fatalities
  • Other (mostly rollovers): 1,303 fatalities

Because cars have higher fatalities, getting a car with good safety features and ratings will help keep insurance rates down. Read on to learn what else determines the price of car insurance.

Subaru Impreza Manufacturer Suggested Retail Price

Insurers use the manufacturer suggested retail price to estimate how much vehicle repairs or vehicle replacement will cost. Collision and comprehensive insurance rates will be the most affected by the MSRP, as these two coverages pay for your accident costs.

What is a good price for Subaru Impreza? Whenever you look for a Subaru Impreza for sale, make sure to research prices. According to Kelley Blue Book (KBB), the MSRP, invoice price, and other price estimates for a 2020 Subaru Impreza sedan are as follows:

  • MSRP: $19,595
  • Invoice Price: $18,744
  • Fair Purchase Price: $18,385
  • Fair Market Range: $17,671 to $19,098

The Subaru Impreza isn’t a terribly expensive car, which means collision and comprehensive rates should be average (as long as insurance losses are also normal).

Take a closer look at the Subaru Impreza insurance loss probability details in the table below.

Subaru Impreza Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision-6%
Property Damage-6%
Comprehensive4%
Personal Injury-2%
Medical Payment-13%
Bodily Injury-13%

The lower the percentage, the better the loss ratio. The Subaru Impreza is average in literally every category. Keep reading and we’ll explore what this means for your car insurance rates in more detail.

Let’s start with collision loss ratios. The IIHS’s data on collision losses is below.

  • Subaru Impreza 4WD: -6 percent (average)
  • Subaru Impreza 4WD with EyeSight: -13 percent (average)

Average is decent, and both of the losses are negative, which is good. The comprehensive losses are slightly worse but still considered average.

  • Subaru Impreza 4WD: 4 percent (average)
  • Subaru Impreza 4WD with EyeSight: -6 percent (average)

Having the EyeSight version does mean slightly better insurance losses.

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Subaru Impreza Repair Costs

Researching repair costs is important, as some cars have expensive maintenance or repair costs. Is a Subaru Impreza a reliable car? RepairPal’s reliability rating of the Subaru Impreza is average, as it gave the Subaru Impreza 3.5 stars out of 5.

The average annual repair costs for the Subaru Impreza are $653, which is more than the average annual repair costs for compact cars ($526).

The repair cost estimates for a 2020 Subaru Impreza are also average. According to InstantEstimator’s free tool, repair costs for level two damage are as follows:

  • Front bumper: $413
  • Rear bumper: $423
  • Hood: $387
  • Roof: $435
  • Front door: $391
  • Back door: $379
  • Fender: $351
  • Quarter panel: $363

The roof is the most expensive part to repair, followed by the rear bumper. Keep in mind that these are general estimates — prices will vary from repair shop to repair shop.

We hope our guide to Subaru Impreza insurance rates has been helpful. Check out our site to find out answers to other questions, such as is a Subaru WRX a sports car, or what are the cheapest cars to insure.

Enter your five-digit ZIP code into our FREE online rate comparison tool to start shopping for cheap Subaru Impreza insurance rates.

Rates by Driver Age

Subaru Impreza Insurance Rates by Driver Age
Driver Age Premium
16 $4,936
20 $2,966
30 $1,330
40 $1,288
50 $1,178
60 $1,154

Full coverage, $500 deductibles

Rates by Deductible

Subaru Impreza Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,582
$250 $1,444
$500 $1,288
$1,000 $1,134

Full coverage, driver age 40

Rates by Liability Limit

Subaru Impreza Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,288
50/100 $1,511
100/300 $1,625
250/500 $1,922
100 CSL $1,557
300 CSL $1,808
500 CSL $1,990

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Impreza Insurance Rates for High Risk Drivers
Age Premium
16 $7,014
20 $4,724
30 $2,830
40 $2,784
50 $2,660
60 $2,636

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $179

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $69
Homeowner $20
5-yr Accident Free $90
5-yr Claim Free $83
Paid in Full/EFT $55
Advance Quote $62
Online Quote $90
Total Discounts $537
Rate after discounts $751

Discounts are estimated and may not be available from every company or in every state.

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