Finding the cheapest car insurance for a Subaru Impreza relies on many different factors such as how far you drive to work, your occupation, and physical damage deductibles. Drivers will pay on average $686 each year for Impreza insurance, but that is a projection based on a 50-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.
But there is a high probability that you may not be 50 years old (or even male), maybe you are single instead of married, and maybe you want higher deductibles. Even a minor difference in the factors used in pricing a policy can result in a big discrepancy in policy price.
Auto insurance is not the same for everyone, so the way we recommend to find cheap auto insurance rates for your Subaru is to do the rate comparisons yourself.
Compare Subaru Impreza Insurance Rates
Your Subaru’s trim level tends to have a direct impact on the yearly cost, so the price you pay to insure a Impreza 2.5I 4WD Station Wagon model will cost $140 less than the insurance cost for the more well-appointed Impreza WRX STI 4WD Station Wagon version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $112 | $172 | $288 | $18 | $86 | $676 | $56 |
| Impreza 2.5I 4WD Station Wagon | $112 | $172 | $288 | $18 | $86 | $676 | $56 |
| Impreza Outback Sport 4WD Station Wagon | $112 | $208 | $288 | $18 | $86 | $712 | $59 |
| Impreza 2.5I AWD 4-Dr | $126 | $208 | $288 | $18 | $86 | $726 | $61 |
| Impreza 2.5I Premium Package AWD 4-Dr | $126 | $246 | $288 | $18 | $86 | $764 | $64 |
| Impreza WRX 4WD Station Wagon | $126 | $246 | $288 | $18 | $86 | $764 | $64 |
| Impreza 2.5 GT 4WD Station Wagon | $140 | $246 | $288 | $18 | $86 | $778 | $65 |
| Impreza WRX AWD 4-Dr | $140 | $284 | $288 | $18 | $86 | $816 | $68 |
| Impreza 2.5I GT AWD 4-Dr | $140 | $284 | $288 | $18 | $86 | $816 | $68 |
| Impreza WRX STI 4WD Station Wagon | $140 | $284 | $288 | $18 | $86 | $816 | $68 |
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in Scottsdale location which can influence insurance rates noticeably.
Insurance companies ranked
Insuring your vehicle with the highest-rated car insurance provider can be a challenge considering how many different companies there are to choose from in Arizona. The company ratings listed below can help you select which auto insurance companies you want to consider when trying to find the cheapest insurance for a Subaru Impreza. The ratings below are only made up of companies with a nationwide focus, so companies that may only write in Arizona are not taken into consideration for the list.
Top 10 Large Auto Insurance Companies Overall in Scottsdale
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Accidents and violations increase rates
In a perfect world, the best way to receive good insurance rates in Arizona for an Impreza is to be a cautious driver and avoid tickets and accidents. The example below demonstrates how speeding tickets and at-fault claims can impact premium costs for each age group. The information is based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied.
In the chart above, the average cost of a car insurance policy per year with no violations or accidents is $1,657. Factor in two speeding tickets and the average cost rises to $2,218, an increase of $561 each year. Then throw in one accident along with the two speeding tickets and the annual cost of insurance for a Subaru Impreza jumps again to an average of $2,770. That’s an increase of $1,114, or $93 per month, just for being a careless driver!
Discount Scottsdale insurance rates
Auto insurance companies that provide coverage for a Subaru Impreza may also offer premium discounts that may potentially lower prices by 25% or more if you meet eligibility requirements. Companies and some of the premium reductions they offer can be read below.
- Progressive may include discounts for online quote discount, multi-vehicle, multi-policy, homeowner, online signing, good student, and continuous coverage.
- MetLife policyholders can earn discounts including multi-policy, good driver, claim-free, good student, and accident-free.
- Mercury Insurance offers discounts for low natural disaster claims, location of vehicle, anti-theft, multi-policy, accident-free, age of vehicle, and professional/association.
- Nationwide includes discounts for accident-free, defensive driving, good student, family plan, multi-policy, and business or organization.
- GEICO has savings for multi-policy, membership and employees, anti-theft, daytime running lights, anti-lock brakes, military active duty, and federal employee.
- AAA offers discounts including pay-in-full, good driver, AAA membership discount, anti-theft, multi-car, and good student.
The chart below compares auto insurance rates with and without discounts. The prices are based on a male driver, a clean driving record, no claims, Arizona state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with multiple vehicle, marriage, accident-free, multiple policy, vehicle safety, and homeowner discounts applied. When these discounts are applied, theaverage yearly reduction on insurance for a Subaru Impreza is 28% or $420.
If you wish to have a consultation when trying to find lower insurance rates for a Subaru Impreza, the insurance agencies listed below are a good start to help you decide which policy fits your needs best. To locate an agency close to you, click the link after the list.
- Manny Birch – State Farm Insurance Agent
7297 N Scottsdale Rd Ste 1001 – Scottsdale, AZ 85253 – (602) 279-4383 - Mike Bucca – State Farm Insurance Agent
7336 E Deer Valley Rd #105 – Scottsdale, AZ 85255 – (480) 585-3665 - Pinnacle Ins Agency Inc.
8700 E Vista Bonita Dr – Scottsdale, AZ 85255 – (480) 513-3131
View map of Scottsdale, AZ insurance agents
How to find economical car insurance for a Subaru Impreza
The list below details many penny-pinching solutions that can help Scottsdale drivers buy cheap coverage.
- At-fault accidents can raise rates significantly
- Frequent claims will increase rates
- Home or renters coverage can save on auto insurance
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Buy a safer vehicle
- Check for cheaper rates once a year
The final tip is highly critical, as was affirmed in this piece. Prices charged by car insurance companies change frequently, so drivers shouldn’t be reluctant to buy from a different company if a lower price can be found. Many consumers stick with the same company and that’s fine, but is isn’t recommended if that loyalty ends up costing hundreds of dollars a year. If you have a few minutes, now is a great time to compare rates and find cheaper car insurance for a Subaru Impreza in Scottsdale.