How much does Subaru Impreza car insurance cost?

The average Subaru Impreza driver will spend $90 per month for state minimum car insurance and $154 per month for full coverage. This makes the Subaru Impreza 2% cheaper to insure than comparably popular vehicles, such as the Tesla Model 3, Fiat 500, and Mazda 2.

When comparing car insurance prices, however, it’s important to remember that the “average rate” will rarely reflect your actual monthly premium. This is because your final price is determined by your specific driver profile. Important factors like your Impreza’s model year, the trim level, and even your zip code can have a big impact on your rate. The only reliable way to estimate the final insurance cost for your Subaru is to compare car insurance quotes.

Compare the cheapest Subaru Impreza car insurance quotes

While it might feel overwhelming, finding the right price for your auto insurance has actually never been simpler. Using Jerry, drivers can source the best rates from some of the top providers in under two minutes.

Subaru Impreza drivers save an average of $1,523 per year on their insurance rates with Jerry—and the table below includes some examples of free quotes real policyholders received:

While you might see your car’s exact model here, that doesn’t mean that your car insurance premiums will be the same. Remember, the model year and trim level of your Subaru are also important to determining your insurance rates. Additionally, your driving history, insurance history, and zip code can impact your quote.

With all of these possible variations, you’ll need to get car insurance quotes for your Subaru Impreza from at least three car insurance companies. This will ensure that you get a range of quotes.

The best car insurance companies for Subaru Impreza owners

Insurance companies each use a different algorithm to calculate your premium, which means that there won’t be any one insurance company that’s best for your Subaru Impreza. Insurance rates are highly individualized to each driver and vehicle, so different drivers could get very different rates from the same company.

To help you find the best provider for you and your Subaru model, Jerry conducted the biggest survey in the nation, asking over 15,000 real policyholders about their experience with their current insurer.

According to survey results, companies like GEICO, State Farm, and Progressive achieved higher than average customer service ratings. On the other hand, insurers including Safeco and Travelers received better policy cost scores. Take a look at the table below to see how other drivers rate different insurance providers on a 5.0 scale.

How much car insurance do you need for a Subaru Impreza?

Legally, you’ll need to purchase at least the state minimum required car insurance coverage. For the Subaru Impreza, you can expect to pay an average of $90 per month. If you want a more thorough policy, however, you might opt for full coverage insurance, which costs an average of $154 per month for Impreza drivers.

Here’s a further breakdown of the two basic coverages you can get for your Subaru Impreza:

• Minimum coverage insurance is the lowest amount of insurance coverage you can legally have on your vehicle in your state. In most states, minimum coverage includes bodily injury liability and property damage liability insurance, but others may also require uninsured motorist and personal injury protection (PIP) coverage.
• Full coverage insurance includes additional coverages on top of your liability insurance that aren’t required by the state. Most full coverage policies include comprehensive and collision coverage to pay for damages to your vehicle in collision and non-collision related events—and may be required by lenders if you’re leasing or financing your vehicle.

While the state minimum is the cheaper option overall, it may cost you more money in the long run. Keep in mind that liability insurance only covers damages and injuries for third parties—and if your limits max out, you could be left financially vulnerable. As such, most drivers will benefit from a full coverage option with higher liability limits of 50/100/50 or 100/300/100.

For added protection, also consider including optional insurance coverages, such as roadside assistance or rental reimbursement.

Why are some trims more expensive to insure than others?

While it might seem like your vehicle’s trim level doesn’t have a lot to do with car insurance, replacement and repair costs for premium trim levels tend to be higher. This means that your car poses a bigger financial risk to your insurer, and therefore, you’ll generally see higher premiums.

To compare the average cost of car insurance for different Subaru Impreza trims, take a look at the following table:

Subaru Impreza insurance cost by model year

New cars are often more technologically advanced, and therefore they’re more expensive to insure. A one-year-old car, for example, will typically have higher insurance rates than a 10-year-old car. Additionally, your driver profile will have a big impact on your insurance rates.

Take a look at the following tables to get a better idea of how much different Jerry drivers pay for their car insurance.

2023 Subaru Impreza car insurance quotes

Generally speaking, the newer your car, the higher the insurance rates. Check out the following table to learn how much Jerry drivers pay to insure their 2023 Subaru Imprezas.

2022 Subaru Impreza car insurance quotes

Every driver’s car insurance quote will be slightly different—even if they all drive a Subaru Impreza. Below, you’ll see real quotes that Jerry compared for 2022 Subaru Impreza drivers.

2021 Subaru Impreza car insurance quotes

If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Subaru Impreza with our real quote examples below:

2020 Subaru Impreza car insurance quotes

2019 Subaru Impreza car insurance quotes

2018 Subaru Impreza car insurance quotes

2017 Subaru Impreza car insurance quotes

2016 Subaru Impreza car insurance quotes

2015 Subaru Impreza car insurance quotes

2014 Subaru Impreza car insurance quotes

2013 Subaru Impreza car insurance quotes

Are Subaru Imprezas expensive to insure?

On average, Subaru Impreza drivers pay about $90 per month for their car insurance. That’s 2% less expensive compared to the national average for other vehicles within a similar price range.

You might be wondering why cars in a similar price range have so much variation in terms of insurance rates. The truth is that many insurance companies base their rates on things like the MSRP, trim level, cost of repairs, model year, and most of all, safety ratings.

Subaru Impreza safety ratings

Your vehicle’s safety rating plays a big part in your car insurance costs. When it comes to vehicle safety rating organizations, there are two well-known companies:

• National Highway Traffic Safety Administration (NHTSA): Frontal, side, and rollover crash tests are the basis for the NHTSA’s 5-Star Safety Rating.
• Insurance Institute for Highway Safety (IIHS): The IIHS bases their safety ratings on two different factors: how well the vehicle’s technology works to prevent or reduce the severity of accidents, and how well vehicle occupants are protected from injury during a crash.

Check out the following tables to learn more about Subaru Impreza safety ratings:

Insurance Institute for Highway Safety (IIHS) Rating

Subaru Impreza safety features

A vehicle’s safety features can also affect the price of your insurance policy. As you might imagine, more advanced safety features lead to lower insurance rates. In short: the safer your car is for you, the safer it is for your insurer.

Luckily, the Subaru Impreza has several safety features, which you can see in the following table.

What other factors affect Subaru Impreza insurance rates?

Your car insurance rate is impacted by a wide variety of factors, including:

• The type of vehicle you drive: Luxury, high-performance, and sports cars tend to have higher collision and comprehensive coverage rates.
• Your claims history and driving record: If you have car accidents or tickets on your driving record, you’ll likely face higher insurance rates.
• Your driver age: Drivers under the age of 25 will pay higher insurance rates. This is because insurance companies view younger drivers to be a high risk as they have less driving experience.

Subaru Impreza insurance cost for young drivers

Of all age groups, teen drivers— that is, drivers between the ages of 16 and 19— will face the highest insurance premiums. Teens are more likely to get into accidents, meaning that younger drivers with newer cars benefit from the accident protection provided by full coverage insurance.

Until rates drop—usually around 25—young drivers can find cheaper premiums with Jerry:

Subaru Impreza insurance cost for senior drivers

Older adults in their mid-60s and above will also face higher auto insurance rates. This is because senior drivers are statistically more likely to get into accidents. Similarly, older adults are more likely to sustain serious injuries in a crash. These two risk factors combined lead to higher car insurance rates for seniors.

However, senior motorists can keep costs low by shopping with the Jerry app. Here are some of the policies drivers recently received for their Subaru Impreza.

Subaru Impreza insurance cost for drivers with driving violations

The better your driving record, the lower the risk you pose to potential insurers, and the cheaper your premiums are.

Conversely, if you have a lot of violations on your driving record, you will often face higher premiums and more challenges when shopping for car insurance. Common traffic infractions may increase your insurance costs, including violations like:

• Speeding
• DUIs
• Reckless driving
• An at-fault accident
• Driving with a suspended license

Cheapest car insurance for Subaru Impreza drivers with speeding ticket

If you have a speeding ticket on your record, don’t panic! There are different degrees of speeding. Driving 1-5 MPH over the limit, for example, won’t increase your insurance rates as much as driving 21 MPH over the limit.

Below are some sample quotes for drivers with speeding tickets of varying severity:

Cheapest car insurance for Subaru Impreza drivers with a DUI record

Different car insurance companies may react differently to a DUI offense on your record. This means that, if you have gotten a DUI, it’s even more important to compare rates to find lower-cost insurance options.

Many Subaru Impreza drivers use Jerry to get affordable insurance rates after a DUI.

Cheapest car insurance for Subaru Impreza drivers after an accident

Your car insurance rates could increase significantly if you were recently declared at fault in an accident. Luckily, Jerry has helped many Subaru Impreza drivers find affordable car insurance following car accidents.

Cheapest car insurance for Subaru Impreza drivers with other driving violations on their record

Other types of driving violations, like driving on a suspended license and reckless driving, can also impact your car insurance rates. Below, you’ll find some examples of driving violations and how Jerry helped Subaru Impreza drivers save on their car insurance.

How can I lower the cost of insurance for my car?

If your rates are higher than expected for your Subaru Impreza, you can continue to save on premiums by following these tips and tricks:

• Shop around: The best way to find the most affordable car insurance for you is to get quotes from as many insurers as possible. Fortunately, Jerry can do this part for you in a matter of seconds. You’ll be able to compare prices quickly and easily. If you find a great deal, Jerry can even help you cancel your old policy and sign up for a new one.
• Increase your deductible: The amount of money you pay before your insurance kicks in is called your car insurance deductible. The higher your deductible, the lower your monthly insurance payments. Just make sure that you’ll still be able to afford your deductible in the event of an accident.
• Research discounts: Insurers will typically offer car insurance discounts, even if you don’t see them advertised. Some of the most popular types are safe driver and good student discounts. Check with your provider to see what’s available and if you’re eligible.
• Bundle your policies: You can sometimes significantly reduce your car insurance rates by bundling your homeowners and auto insurance.

MEET OUR EXPERTS

Liz Jenson

Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details. Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.

Kianna Walpole

Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.