2013 Subaru Impreza WRX Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for a 2013 Subaru Impreza WRX are $1,298 a year for full coverage. Comprehensive insurance costs on average $258 each year, collision costs $422, and liability insurance costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,804 or more. Teenage drivers receive the highest rates at $4,964 a year or more.
Annual premium for full coverage: $1,298
Rate estimates for 2013 Subaru Impreza WRX Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2013 Subaru Impreza WRX models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $510 for the bare minimum liability coverage to a high rate of $2,804 for a high risk driver.
These differences show why all drivers should compare prices based on a specific location and risk profile, rather than relying on average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2013 Subaru Impreza WRX Insurance
Feel like you’re a prisoner to an overpriced car insurance policy? Trust us when we tell you many consumers feel financially strained by their car insurance policy.
Companies like State Farm, Allstate, GEICO and Progressive promote their brand names with ad campaigns and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.
If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. Finding affordable coverage is easy if you know what you’re doing. But vehicle owners must know how insurance companies sell insurance online and apply this information to your search.
Comparison of Insurance Coverage
There are multiple methods to compare 2013 Subaru Impreza WRX insurance coverage prices but some are less time-consuming than others. You could spend your day talking to agents in your area, or you can stay home and use the internet to get the quickest rates.
Many companies participate in a marketplace that allows shoppers to submit their information once, and each company then gives them pricing based on that data. This saves time by eliminating quote requests for each company you want a rate for.
To submit your quote information now, click to open in new window.
The one disadvantage to using this type of system is you are unable to specify which carriers you want to price. So if you prefer to choose from a list of companies to compare rates, we have assembled a list of low cost insurance coverage companies in your area. View list of insurance companies.
Which method you use is up to you, but double check that you are using identical information with each company. If you use different deductibles it will be very difficult to make an equal comparison. Slightly different limits can make a big difference in price. It’s important to know that getting more free quotes helps you find better pricing.
These discounts can slash insurance coverage rates
Companies offering auto insurance do not advertise all their discounts in a way that’s easy to find, so the following is a list of some of the best known and the more hidden ways to save on insurance coverage.
- Good Student Discount – Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
- Multiple Vehicles – Insuring multiple vehicles on one policy could earn a price break for each car.
- Driver Safety – Taking a driver safety course can save you 5% or more if you qualify.
- Government Employees – Simply working for the federal government can earn a discount up to 10% on Impreza WRX coverage with a few insurance coverage companies.
- Resident Student – Youth drivers who attend school more than 100 miles from home and don’t have a car can receive lower rates.
- Accident Forgiveness – Certain companies will allow you to have one accident before your rates go up so long as you haven’t had any claims prior to the accident.
- Seat Belts Save – Drivers who require all occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
- Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
Keep in mind that most discount credits are not given to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.
Companies that may offer these money-saving discounts may include but are not limited to:
Double check with each company what discounts are available to you. Discounts might not be offered everywhere.
When might I need the advice of an agent?
When buying adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help you determine whether or not you might need an agent’s assistance.
- Does my 2013 Subaru Impreza WRX qualify for pleasure use?
- Am I covered when driving in Canada or Mexico?
- Is upholstery damage covered by car insurance?
- Am I covered if hit by an uninsured driver?
- Do all my vehicles need collision coverage?
- Does my policy pay for OEM or aftermarket parts?
- Can I afford low physical damage deductibles?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.
Parts of the Subaru Impreza WRX rate equation
Consumers need to have an understanding of the different types of things that come into play when calculating your insurance coverage rates. Understanding what controls the rates you pay enables informed choices that may reward you with better insurance coverage rates.
The list below includes a few of the “ingredients” insurance coverage companies consider when setting rates.
- Lower miles equals lower premium – Driving more miles each year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based on their usage. Autos that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your insurance coverage coverage is showing the proper vehicle usage. Incorrect usage on your Impreza WRX may be wasting your money.
- Your occupation can affect rates – Did you know your job can affect your rates? Jobs such as lawyers, architects and dentists are shown to have the highest average rates in part from high stress levels and long work hours. Other occupations like pilots, historians and performers pay the least on Impreza WRX coverage.
- Lower rates come with age – Young drivers have a tendency to be more careless in a vehicle so insurance coverage rates are higher. Mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
- Lower deductibles cost more – Physical damage deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims would be running into the backend of another car, vandalism, or theft. The more expense you have to pay, the less your company will charge you for insurance on Impreza WRX coverage.
Is there deception in advertising?
Progressive, Allstate and GEICO constantly bombard you with ads in print and on television. All the companies make an identical promise of big savings if you switch your policy. But how can every company make almost identical claims? It’s all in the numbers.
All the different companies are able to cherry pick for the type of driver they prefer to insure. A good example of a preferred risk could be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. Any new insured that hits that “sweet spot” is entitled to the best price and therefore will save when they switch companies.
Consumers who do not match the “perfect” profile will have to pay higher premiums and ends up with business going elsewhere. The ad wording is “customers that switch” not “everyone that quotes” save that much. That is how companies can claim big savings. Because of the profiling, it is so important to get a wide range of price quotes. You cannot predict which insurance companies will give you the biggest savings on Subaru Impreza WRX insurance.
Auto insurance coverages
Understanding the coverages of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. These are the normal coverages available from insurance companies.
Medical payments and PIP coverage
Med pay and PIP coverage kick in for immediate expenses like doctor visits, pain medications, nursing services, ambulance fees and hospital visits. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Subaru Impreza WRX.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like driving through your garage door, hitting a parking meter, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.
Coverage for liability
Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.
Liability coverage protects against things such as pain and suffering, repair bills for other people’s vehicles, attorney fees and structural damage. How much liability coverage do you need? That is up to you, but buy higher limits if possible.
Comprehensive auto coverage
This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as a broken windshield, theft and hitting a bird. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
More quotes mean more savings
Discount 2013 Subaru Impreza WRX insurance can be found online as well as from independent agents, so compare prices from both to have the best chance of lowering rates. A few companies don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.
We just presented some good ideas how to get a better price on insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the lowest priced insurance comes from the least-expected company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive and GEICO.
Much more information about insurance can be read on the following sites:
Rates by U.S. City
|New York City, NY||$2,052|
|Los Angeles, CA||$2,217|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$90|
|5-yr Claim Free||$83|
|Paid in Full/EFT||$55|
Discounts are estimated and may not be available from every company or in every state.