Subaru Impreza Insurance Rates

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.

The average auto insurance rates for a Subaru Impreza are $1,320 annually for full coverage. Comprehensive costs on average $260, collision insurance costs $450, and liability coverage costs $452. Liability-only insurance costs as little as $504 a year, and high-risk driver insurance costs around $2,854. Teen drivers cost the most to insure at up to $5,032 a year.

Average premium for full coverage: $1,320

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Impreza trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have fewer accident claims than larger metro areas. The price range example below illustrates how your location can change car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than using price averages.

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

Additional Rate Analysis

The chart below shows average Subaru Impreza insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $767
• Drivers who choose higher $1,000 deductibles will pay around $162 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,320
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,632
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,854
• Policy cost with full coverage for a teenage driver with full coverage may cost $5,032 a year

View Chart as Image

Auto insurance rates for a Subaru Impreza also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance can cost around 44% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $480 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Subaru Impreza insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

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.

How to Buy the Best Subaru Impreza Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a brief recap of the car insurance concepts illustrated above.

• Drivers who tend to receive serious violations may be required to pay an average of $1,530 more each year to insure a Subaru Impreza
• Drivers can save as much as $160 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Consumers who require increased liability limits will pay about $500 each year to go from a 30/60 limit to higher 250/500 limits

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.

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.

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.

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.

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.

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.