Subaru Impreza insurance cost image courtesy of QuoteInspector.com
Finding cheaper auto insurance for a Subaru Impreza is pretty easy to do, but it relies on a fairly complex equation with a lot of factors such as miles driven annually, your credit history, and if you have a history of accidents. Drivers pay around $946 per year for Impreza insurance, but that price is an estimate using a 50-year-old single male driver with both comprehensive and collision coverage and $100 deductibles.
But there is a good chance that you may not be 50 years old (or even male), you might be married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Having the smallest difference in rating criteria can make a big difference in the policy rate.
Auto insurance is unique to each driver, so the only real way to find cheap car insurance rates for your Subaru is to do the rate comparisons yourself.
Vehicle trim level tends to have a direct impact on the insurance rate, so the cost to insure a Impreza 2.5I 4WD Station Wagon will be $260 cheaper than the insurance cost for the higher-end Impreza WRX STI 4WD Station Wagon model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Impreza 2.5I 4WD Station Wagon||$184||$328||$282||$16||$84||$894||$75|
|Impreza 2.5I 4WD Station Wagon||$184||$328||$282||$16||$84||$894||$75|
|Impreza Outback Sport 4WD Station Wagon||$184||$398||$282||$16||$84||$964||$80|
|Impreza 2.5I AWD 4-Dr||$208||$398||$282||$16||$84||$988||$82|
|Impreza 2.5I Premium Package AWD 4-Dr||$208||$470||$282||$16||$84||$1,060||$88|
|Impreza WRX 4WD Station Wagon||$208||$470||$282||$16||$84||$1,060||$88|
|Impreza 2.5 GT 4WD Station Wagon||$232||$470||$282||$16||$84||$1,084||$90|
|Impreza WRX AWD 4-Dr||$232||$540||$282||$16||$84||$1,154||$96|
|Impreza 2.5I GT AWD 4-Dr||$232||$540||$282||$16||$84||$1,154||$96|
|Impreza WRX STI 4WD Station Wagon||$232||$540||$282||$16||$84||$1,154||$96|
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in vehicle garaging location which can modify prices significantly.
Selecting the best car insurance provider can be a challenge considering how many different companies insure vehicles in North Carolina. The company information shown below can help you select which companies you want to consider when trying to find cheaper insurance for a Subaru Impreza. These ratings only include the largest auto insurers in America, so companies that focus mainly on North Carolina business will not be included in these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Durham insurance
Car insurance companies that provide coverage for a Subaru Impreza may provide discounts that may potentially lower prices by as much as 40% or more if you can meet the requirements. A list of car insurance companies and some of the premium reductions they offer are included below.
- Progressive has discounts for multi-policy, multi-vehicle, continuous coverage, online signing, online quote discount, and good student.
- AAA may include discounts for good student, pay-in-full, AAA membership discount, multi-car, and education and occupation.
- Farmers Insurance policyholders can earn discounts including homeowner, distant student, early shopping, switch companies, good student, and bundle discounts.
- GEICO offers discounts including driver training, federal employee, seat belt use, good student, membership and employees, daytime running lights, and multi-vehicle.
- Esurance may have discounts that include anti-theft, good student, Pac-12 alumni, safety device, defensive driver, Switch & Save, and emergency road assistance.
- SAFECO has savings for safe driver, anti-theft, teen safety rewards, accident prevention training, and anti-lock brakes.
- State Farm offers premium reductions for safe vehicle, multiple policy, good student, student away at school, and Drive Safe & Save.
The chart below shows the difference between insurance costs with and without discounts being applied to the rates. Data assumes a female driver, no violations or accidents, North Carolina state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with passive restraint, safe-driver, vehicle safety, homeowner, defensive driving course, and multiple vehicle discounts applied. When these discounts are applied, the average savings per year on car insurance for a Subaru Impreza is 28% or $444.
Why it's important to shop around
Durham car insurance rates are calculated based on many things that control the cost of a policy. Simply having a birthday, getting married, or getting into an accident may generate price changes that can now make some companies affordable when they were higher priced.
In addition, insurance companies modify rates as needed in order to remain profitable. A period of increased losses can result in increased rates, while a profitable period can produce cheaper Impreza insurance rates.
To illustrate this point, the bar chart below demonstrates which company has the cheapest car insurance in Durham, NC for a 40-year-old male driver with no accidents, a clean driving record, and a good credit rating. When comparing rates based on his personal risk profile, Utica National quotes the cheapest car insurance rates in Durham at $758 per year. This is $114 less than the average price paid by North Carolina drivers of $872. Progressive, Liberty Mutual, NC Farm Bureau, and GEICO are the remainder of the cheapest Durham, NC auto insurance companies.
In the next rate comparison, we'll give the driver from the first example an accident surcharge, bad credit, and a few traffic violations. Because each insurer uses their own calculation to set policy rates, comparing quotes could now result in a different set of the cheapest companies as shown below.
Penn National now has the best auto insurance rate in Durham, NC with State Farm, Auto-Owners, National General, and Allied now being in the top five. This example demonstrates why North Carolina drivers need to compare rates to get cheap insurance rates for a Subaru Impreza. Auto insurance prices consist of many different factors and change dramatically, so the cheapest rate six months ago may now be priced much higher than other options.
How to find economical insurance for a Subaru Impreza
The list below details many penny-pinching solutions that can help North Carolina drivers quote low-cost car insurance.
- Raise physical damage deductibles
- Avoid getting tickets or violations
- Avoid having at-fault accidents
- Do not waste money insuring older vehicles for full coverage
- Buy a safer vehicle
- Higher credit ratings may save you money
- Shop around and save
That last idea is certainly vital, as we stressed in the article above. Prices can change significantly in a year, so don't hesitate to switch companies if a lower-cost policy is available. Staying with the same car insurance company is fine, but it's not a good idea if that faithfulness ends up costing you big bucks every year. It only takes a couple minutes to shop around to find cheaper insurance for a Subaru Impreza in Durham.
If you aren't sure which coverage to buy and prefer to get some guidance when shopping for the best coverage for a Subaru Impreza, the agencies below can most likely help you make a decision which car insurance policy is best.
To find an agent close to you, click the link at the bottom.
Nationwide Insurance: All About Insurance
2605 Guess Rd - Durham, NC 27705 - (919) 479-8200
Allstate Insurance Agent: Ella Latreille
2005 N Pointe Dr Ste 3 - Durham, NC 27705 - (919) 479-2077
Allstate Insurance Agent: Michelle Riley
6015 Fayetteville Rd Ste 115 - Durham, NC 27713 - (919) 544-2155
Ken Carver - State Farm Insurance Agent
2905 Guess Rd #2 - Durham, NC 27705 - (919) 471-0011
Antonio Vela - State Farm Insurance Agent
121 Sherron Rd #106 - Durham, NC 27703 - (919) 596-2700