Wondering how to get the lowest car insurance rates for your Subaru Impreza? Getting multiple quotes from different companies can be a hassle. With an independent insurance agent, you can get an expert's advice and quotes from insurance companies that could be a great fit for you and your Subaru. Independent agents can shop dozens of companies to help you get the best possible combination of car insurance coverage and value.
Not sure where to look?
TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Subaru Impreza.
What Kinds of Insurance Do You Need for Your Subaru Impreza?
Bodily Injury Liability
If you cause an accident, you are legally responsible for the costs of any injuries sustained by other people involved in the incident. With bodily injury liability, your insurance pays for those costs up to the limits of the policy. In many areas of the country, there are laws about how much bodily injury liability coverage you have to carry.
Property Damage Liability
If you cause damage to someone else's property, including their vehicle or building, your property damage liability coverage handles those costs, up to your policy's limits. Your agent can help you choose policy limits that meet your state's guidelines to help balance cost and coverage.
Medical Payments/Personal Injury Protection
Depending on where you live, you'll choose between a medical payments policy and a personal injury protection policy. These insurance options provide coverage for costs associated with recovering from injuries from an accident. Personal injury protection also provides coverage for lost wages for you and your passengers if accident-related injuries make working impossible.
Uninsured Motorist Coverage
While it would be nice if every driver had adequate auto insurance coverage, many choose to drive without legally required insurance. If you are in an accident with someone who doesn't have enough insurance, you could be left with a pile of bills. Uninsured and underinsured motorist insurance handles medical payments for you and your passengers as well as damage to your property for covered accidents.
If you have collision coverage and you hit an object or are in an accident with another vehicle, your insurance company will pay to fix or repair your Impreza. You'll pay the deductible, and the insurance company will pay the rest of the bill, up to the vehicle's value. It may not be worth the extra money to have collision coverage on an older vehicle. Your agent can help you understand the pros and cons.
If you hit an animal, your Impreza is vandalized, or a falling object like a tree branch hits your parked car, comprehensive coverage kicks in. You'll have to pay the deductible, of course.
If you don't want to have to pay for glass coverage, like a broken windshield, out of pocket, consider a zero-deductible glass coverage plan. Your agent can help you figure out whether it's worth it to raise your auto insurance premium by a few dollars each month to get this protection.
If you have a loan or lease on your Impreza and you are in an accident, you may owe more than your vehicle is worth. After an accident, your insurance company can declare your car a total loss and choose to pay you its fair market value. If that amount doesn't pay off your loan or lease, you'll have to pay the difference. Gap coverage covers the difference between your car's value and the total amount due. You may be offered this coverage at the dealership, but if you opted out, talk with your agent about whether it's a good idea to add it to your auto insurance policy.
What Affects the Cost of Insurance for Your Subaru Impreza?
Annual Mileage: If you typically drive more than 10,000 to 15,000 miles per year, you may pay a slightly higher auto insurance premium. Spending extra time on the road increases your statistical likelihood of being in an accident.
Your Driving Record: Drivers with moving violations or at-fault accidents on their record also pay more for car insurance. If you have a clean record, you could save as much as 40% on your auto insurance premiums.
The Value of Your Vehicle: High-value vehicles cost more to repair, so driving a practical vehicle also saves you money on auto insurance.
Average Subaru Impreza Insurance Costs
Your Impreza premiums depend on your age, location, driving record, and a number of other factors. It's useful to learn about how much the average driver pays to insure this type of vehicle, but it's also crucial to get a personalized quote from your agent.
Here, you'll find average insurance prices for a 40-year-old driver with an accident-free and moving violation-free driving record.
The Safety of your Subaru Impreza
Cars with excellent safety ratings tend to have lower insurance premiums. The Subaru Impreza has a reputation for performing well in crash test ratings. The NHTSA gave it five-star ratings in every category, including rollover resistance.
How Location Affects Your Subaru Impreza Insurance
If you live in a large city or highly populated area, you have a higher likelihood of being involved in an accident. Drivers in these areas typically pay more for auto insurance than those who live in rural areas.
|Insurance prices by location:|
Additional Factors That Affect Your Subaru Impreza Insurance Premiums
Safety features like anti-theft devices
Your agent can help you understand how much certain safety features can help decrease your insurance premiums.
Teen drivers pay insurance premiums that may be much higher than more experienced drivers.
Male drivers typically pay slightly higher auto insurance rates than female drivers
Averages here include a $500 deductible. Raising your deductible to $1,000 could save you about $204 per year. Lowering it could add $396 per year to your premiums.
In general, those with serious credit problems may pay higher insurance premiums.
Average Cost to Insure a Subaru Impreza
|Average annual cost to insure a Subaru Impreza:|
|Top 3 most expensive states for Subaru Impreza insurance:|
|Michigan, Louisiana, New York||$2,400|
|Top 3 most affordable states for Subaru Impreza insurance:|
|Idaho, Maine, Iowa||$940|
Top Independent Insurance Carriers That Insure the Subaru Impreza
According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers:
Get a Subaru Impreza Quote
An independent insurance agent can get specialized quotes from multiple companies and help you learn about which auto insurance options may best serve you. With TrustedChoice.com, you'll get access to an extensive network of agents so you can find one in your area today. Check the list for local independent insurance agents and get in touch right away.
TrustedChoice.com Article | Reviewed by Greg Safford
©2021, Consumer Agent Portal, LLC. All rights reserved.
IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver