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Subaru Impreza Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing...

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UPDATED: Apr 30, 2020

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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.

Estimated insurance rates for a Subaru Impreza are $1,428 a year for full coverage. Comprehensive insurance costs around $336, collision insurance costs $562, and liability insurance is $372. Liability-only insurance costs around $438 a year, and high-risk driver insurance costs $3,074 or more. Teenage drivers pay the most at up to $5,216 a year.

Average premium for full coverage: $1,428

Premium estimates for type of coverage:

Comprehensive $336
Collision $562
Liability $372

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all states and for different Impreza trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Subaru Impreza range from the low end price of $438 for just liability insurance to a much higher rate of $3,074 for coverage for higher-risk drivers.

Liability Only $438
Full Coverage $1,428
High Risk $3,074

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,071
Small Cities $1,499
Large Cities $1,928

These rate differences show why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than relying on average rates.

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.

More Rate Details

The chart below shows average Subaru Impreza insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $825
  • Raising to $1,000 deductibles will save about $204 a year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,428
  • Using more expensive low deductibles will cost an additional $396 a year
  • Higher-risk drivers who are prone to accidents and violations could pay at least $3,074
  • An auto insurance policy that insures a teen driver with full coverage can be $5,216

View Chart as Image

Subaru Impreza insurance cost comparison chart
Column chart showing Subaru Impreza insurance prices range from $825 to $5,216 for full coverage

Insurance prices for a Subaru Impreza also have a wide range based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,700 to $2,300 additional annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $5,200 a year. View Rates by Age

Where you choose to live also has a big influence on Subaru Impreza insurance rates. A middle-age driver might find prices as low as $940 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,040 on average in Michigan, Louisiana, and New York.

Subaru Impreza Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,290 -$138 -9.7%
Alaska $1,098 -$330 -23.1%
Arizona $1,186 -$242 -16.9%
Arkansas $1,428 -$0 0.0%
California $1,628 $200 14.0%
Colorado $1,366 -$62 -4.3%
Connecticut $1,468 $40 2.8%
Delaware $1,618 $190 13.3%
Florida $1,788 $360 25.2%
Georgia $1,320 -$108 -7.6%
Hawaii $1,026 -$402 -28.2%
Idaho $968 -$460 -32.2%
Illinois $1,066 -$362 -25.4%
Indiana $1,074 -$354 -24.8%
Iowa $964 -$464 -32.5%
Kansas $1,358 -$70 -4.9%
Kentucky $1,950 $522 36.6%
Louisiana $2,116 $688 48.2%
Maine $882 -$546 -38.2%
Maryland $1,178 -$250 -17.5%
Massachusetts $1,144 -$284 -19.9%
Michigan $2,482 $1,054 73.8%
Minnesota $1,196 -$232 -16.2%
Mississippi $1,712 $284 19.9%
Missouri $1,268 -$160 -11.2%
Montana $1,534 $106 7.4%
Nebraska $1,128 -$300 -21.0%
Nevada $1,712 $284 19.9%
New Hampshire $1,030 -$398 -27.9%
New Jersey $1,596 $168 11.8%
New Mexico $1,264 -$164 -11.5%
New York $1,504 $76 5.3%
North Carolina $822 -$606 -42.4%
North Dakota $1,168 -$260 -18.2%
Ohio $986 -$442 -31.0%
Oklahoma $1,468 $40 2.8%
Oregon $1,310 -$118 -8.3%
Pennsylvania $1,364 -$64 -4.5%
Rhode Island $1,906 $478 33.5%
South Carolina $1,296 -$132 -9.2%
South Dakota $1,204 -$224 -15.7%
Tennessee $1,252 -$176 -12.3%
Texas $1,722 $294 20.6%
Utah $1,058 -$370 -25.9%
Vermont $978 -$450 -31.5%
Virginia $858 -$570 -39.9%
Washington $1,104 -$324 -22.7%
West Virginia $1,310 -$118 -8.3%
Wisconsin $990 -$438 -30.7%
Wyoming $1,274 -$154 -10.8%

View Chart as Image

Subaru Impreza insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $600 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2020 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
2020 Subaru Impreza $336 $562 $372 $1,428
2019 Subaru Impreza $320 $542 $390 $1,410
2018 Subaru Impreza $306 $536 $398 $1,398
2017 Subaru Impreza $296 $524 $416 $1,394
2016 Subaru Impreza $286 $502 $430 $1,376
2015 Subaru Impreza $270 $484 $442 $1,354
2014 Subaru Impreza $260 $450 $452 $1,320
2013 Subaru Impreza $250 $424 $456 $1,288
2012 Subaru Impreza $240 $380 $460 $1,238
2011 Subaru Impreza $224 $350 $460 $1,192
2010 Subaru Impreza $216 $328 $464 $1,166
2009 Subaru Impreza $210 $306 $474 $1,148
2008 Subaru Impreza $194 $284 $474 $1,110
2007 Subaru Impreza $190 $258 $478 $1,084
2006 Subaru Impreza $176 $236 $474 $1,044
2005 Subaru Impreza $166 $214 $474 $1,012
2004 Subaru Impreza $162 $192 $468 $980
2003 Subaru Impreza $158 $188 $460 $964
2002 Subaru Impreza $156 $178 $452 $944
2001 Subaru Impreza $142 $170 $446 $916

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 Cheaper Subaru Impreza Insurance

Finding better rates on Subaru Impreza insurance consists of avoiding accidents and claims, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices at least once a year by getting quotes from direct carriers, and also from several local insurance agents.

The points below are a condensed summary of the primary concepts that were touched on in this article.

  • Drivers can save up to $170 per year just by shopping early and online
  • High-risk drivers with multiple at-fault accidents pay on average $1,650 more every year to insure a Subaru Impreza
  • Increasing policy deductibles can save approximately $600 each year
  • Drivers under the age of 20 are charged the highest prices, as much as $435 per month if comprehensive and collision insurance is included

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
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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%
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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 $5,216
20 $3,274
30 $1,496
40 $1,428
50 $1,304
60 $1,276

Full coverage, $500 deductibles

Rates by Deductible

Subaru Impreza Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,824
$250 $1,640
$500 $1,428
$1,000 $1,224

Full coverage, driver age 40

Rates by Liability Limit

Subaru Impreza Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,428
50/100 $1,682
100/300 $1,775
250/500 $2,017
100 CSL $1,720
300 CSL $1,924
500 CSL $2,073

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Impreza Insurance Rates for High Risk Drivers
Age Premium
16 $7,448
20 $5,198
30 $3,146
40 $3,074
50 $2,930
60 $2,902

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 $195

Potential Rate Discounts

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

Discount Savings
Multi-policy $76
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $105
5-yr Claim Free $92
Paid in Full/EFT $66
Advance Quote $70
Online Quote $102
Total Discounts $603
Rate after discounts $825

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

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