Car Insurance Quotes for the Subaru Impreza
Are You Getting the Cheapest Car Insurance Available for a Subaru Impreza?
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How Much Is Car Insurance for the Subaru Impreza?
Whether you have 17” alloy wheels with all-wheel drive or you’re riding with the standard package, your Subaru Impreza is a reliable, agile vehicle. It’s a valued possession well worth protecting with auto insurance for an average of between $90 and $154 per month.
All you have to do is reach out to Freeway Insurance to get the perfect insurance for you at the best price. Countless details go into what your rate will be, so an expert agent can ensure you and your family are covered by the cheapest car insurance available.
Getting a Free Auto Insurance quote with Freeway is easy!
Comparing Insurance Costs for the Subaru Impreza to Other Vehicles
Your Impreza is unique, and so is the cost of repairing or replacing it. Your insurer might be responsible for paying those expenses should you get into an accident, so they will base the rate they charge you on facts like how much it costs to repair or replace. Because of this and many other details related to vehicle types, every make and model has different premiums.
As you can see in the following table, no two cars will have the same premium amount.
| Make/Model | Annual Full Coverage Insurance |
|---|---|
| Subaru Impreza | $1,848 |
| Honda Civic | $1,773 |
| Toyota Corolla | $1,695 |
| Mazda 3 | $1,062 |
Types of Car Insurance Coverage for the Subaru Impreza
Your rate is affected by more than just the make and model of your vehicle. Another determinant is the type of car insurance coverage you decide is best for you. As you explore your needs and options, you’ll come across terms like “full coverage” and “state minimum liability.” You’ll have to choose between options like these and as your choices have a huge impact on your premiums it will be important to work with an agent that can truly help you.
Full Coverage
Paying more sometimes saves you money in the long run and gives you increased peace of mind. That would be the case if you pay the $154 per month it costs on average to get a full coverage policy. You could drive your Impreza knowing that even if you crash into someone, your insurer will pay to repair your vehicle. You won’t be happy if you come to your parking spot and find that your car was stolen, but at least you’ll know that your insurer will pay for a replacement of equal actual cash value. Even if a tornado lands a massive dumpster on your vehicle, you’ll be covered.
State Minimum Liability
What if you are looking for a more affordable plan? There are many options available to you, all the way down to a minimum liability coverage policy. This type of policy gives you the minimum protection required by law. It costs an average of only $90 per month, but every state has different requirements.
If you need to obtain car insurance in Michigan, you would have to get a minimum of $50,000 for personal injury protection per person and $100,000 per accident, plus $10,000 for property damage. If you cause an accident, the damage could easily surpass the minimum. You would have to pay for everything above $10,000 (plus any necessary repairs to your own vehicle).
Individual Factors That Influence Pricing for the Subaru Hatchback
To come up with a quote, insurers comb through the details already discussed and other factors that pertain to the client, vehicle, location, and more. Here are a few examples.
Type of Vehicle
Some types of vehicles are cheaper to insure than others. For example, a minivan is considered a family car that is typically driven safely. On the other hand, a sports car is the type of car that lends itself to higher-speed driving, which could be unsafe. Each of these vehicles has a different probability of getting into an accident, and insurers charge their clients based on those statistics.
New Car Replacement
If you buy a new car, you can pay for new car replacement coverage. If your car gets totaled, your insurer will pay for you to get a brand-new car. That’s an exciting perk to have, but choosing this option will cause your premiums to increase.
Your Zip Code
Your municipality has a different auto theft rate than the town next door. If you have a full coverage plan, your insurer will have to pay if your car gets stolen, so the specific theft rate for your location makes a huge difference to them. The same is true for accident rates – every area is different, and the carrier that will pay for damages if you get into an accident must factor that probability into your premiums.
How Does a DUI Affect Insurance Rates for a Subaru Impreza?
Drinking and driving is a terrible idea even if you don’t get caught, but if you do and get slapped with a DUI, you will pay a financial penalty. Your insurer will consider you a high-risk driver, which will immediately increase your policy cost significantly. Your insurer will also have to file an SR-22 certificate to let the state know that you have at least the state minimum required coverage before you can drive again.
What Are Some Car Insurance Discounts for a Subaru Impreza?
When you get your quote from your insurer, ask them if they offer any discounts to reduce your rate. They’ll likely inform you that if you get additional policies, like for your home, you’ll be eligible for a multi-policy discount. You can often get a safe driver discount if you don’t have any accidents on your driving record.
Your insurer will have many more ways for you to cut your bill. Here are some they might mention:
- If you have manufacturer-installed anti-theft devices – or if you put them in yourself – you can get a break on your full coverage policy.
- Having a good credit score labels you as someone who is likely to drive responsibly and deserves a discount. Some states are getting away from allowing insurers to use your credit score, so this may or may not affect you.
- Are you a full-time student? Students in high school and college who maintain a certain GPA may be able to take advantage of a student discount.
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What Are Some of the Characteristics of the Subaru Impreza?
The Subaru Impreza is a compact car available as a sedan, wagon, or hatchback. This five-passenger vehicle has been in production since the 1990s, with several remakes and constant upgrades over the decades. The latest models include an 11.6″ touchscreen infotainment system compatible with Apple and Android devices. Engine options range from two liters with 152 horsepower to 2.5 liters and 182 horsepower, which is a decent punch for a compact car. Since 2003, every version of the Impreza has come with all-wheel drive.
Find the Best Car Insurance Rates Online for the Subaru Impreza Today
You may feel like enjoying the snow to test out the all-wheel drive on your Subaru Impreza, but first, make sure you finalize your coverage. Contact one of our friendly, knowledgeable agents at Freeway Insurance by calling us at 800 777-5620. You can also get a free quote for car insurance online or by stopping by one of our locations for assistance.