How Much Does 2024 Subaru Impreza Insurance Cost?

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 26, 2024

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Want lower insurance rates for your Subaru Impreza? Wish you could get a refund on high-priced insurance? Trust us when we tell you many drivers have buyer’s remorse. There are many insurance companies to buy insurance from, and although it’s a good thing to have a choice, it can be more difficult to compare company pricing.

It’s smart to quote other rates on a regular basis because insurance rates change frequently. Even if you think you had the best premium rates on Impreza insurance a year ago other companies may now be cheaper. Block out anything you think you know about insurance because we’re going to demonstrate the only way to find better coverage at a better price.

The Subaru Impreza insurance premium equation

Many things are part of the equation when premium rates are determined. Some of the criteria are obvious such as your driving record, although others are not as apparent such as your credit history or how financially stable you are. Consumers need to have an understanding of the rating factors that help determine your policy premiums. If you have some idea of what determines premiums, this enables informed choices that can help you get better auto insurance rates.

The following are some of the items companies use to determine your rates.

  • Multiple policies with one company – Many auto insurance companies afford better rates to clients that buy multiple policies, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to verify if the discount is saving money.
  • Auto insurance lapses lead to higher premiums – Driving any period of time without insurance is a big no-no and as a result your rates will increase for letting your insurance coverage expire. Not only will you pay more, failure to provide proof of insurance could result in a steep fine or even jail time. You may need to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Higher coverage deductibles are cheaper – The deductibles define how much you are willing to pay before your auto insurance pays a claim. Insurance for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered would be colliding with a stationary object, vandalism, or theft of your vehicle. The more of the claim you’re willing to pay, the lower your rates will be on Impreza insurance.
  • How much liability insurance – Liability coverage is the coverage that protects you in the event that a jury decides you are liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides for a legal defense starting from day one. Liability insurance is pretty cheap as compared to coverage for physical damage, so do not cut corners here.
  • Poor driving habits means higher premiums – Even one driving citation can boost insurance rates substantially. Drivers who don’t get tickets have lower premiums compared to bad drivers. People who have flagrant citations like DUI or reckless driving may find they need to maintain a SR-22 with their state’s licensing department in order to prevent a license revocation.

More affordable rates by applying discounts

Car insurance is not cheap, but there are discounts available that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but some discounts are required to be asked about prior to receiving the credit.

  • Include Life Insurance and Save – If the company offers life insurance, you could get better prices if you take out some life insurance in addition to your auto policy.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on Impreza insurance than less cautious drivers.
  • Save with More Vehicles Insured – Insuring more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
  • Theft Deterrent Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Own a Home – Being a homeowner can get you a discount because owning a home is proof of financial responsibility.
  • Drive Less and Save – Low mileage vehicles could be rewarded with lower rates due to less chance of an accident.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but a handful of insurance companies permit an accident before your rates go up so long as you are claim-free for a set time period.
  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may get savings of 20% or more.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you can actually save on your bill.

Please keep in mind that some of the credits will not apply to the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates you could get a free auto insurance policy, nobody gets a free ride. But any discount will reduce your policy cost.

Large auto insurance companies and their possible discounts are included below.

  • State Farm offers discounts including passive restraint, multiple policy, accident-free, multiple autos, driver’s education, and defensive driving training.
  • American Family has savings for accident-free, air bags, early bird, multi-vehicle, and bundled insurance.
  • AAA discounts include education and occupation, anti-theft, good student, good driver, multi-policy, and multi-car.
  • GEICO offers discounts for emergency military deployment, seat belt use, multi-policy, membership and employees, daytime running lights, defensive driver, and air bags.
  • Mercury Insurance offers premium reductions for multi-policy, age of vehicle, ease of repair, location of vehicle, and annual mileage.
  • Farmers Insurance includes discounts for youthful driver, switch companies, electronic funds transfer, mature driver, pay in full, and multi-car.
  • Progressive policyholders can earn discounts including homeowner, continuous coverage, multi-policy, online quote discount, and online signing.

When getting a coverage quote, ask all companies you are considering to give you their best rates. Some discounts listed above may not apply in your area. To see a list of insurers who offer cheap auto insurance quotes, enter your zip code here.

Your car insurance coverage should be tailored to you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different so this has to be addressed. These are some specific questions might help in determining if your situation would benefit from professional advice.

  • Is my 2024 Subaru Impreza covered for flood damage?
  • What is UM/UIM insurance?
  • Does medical payments coverage apply to all occupants?
  • How much can I save by bundling my policies?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered by my spouse’s policy after a separation?
  • Why is insurance for a teen driver so high?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, complete your zip code. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage breakdown

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by auto insurance companies.

Comprehensive protection

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, damage from flooding, theft, vandalism and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto liability

Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things like court costs, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses like chiropractic care, EMT expenses, doctor visits, prosthetic devices and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

This pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, sideswiping another vehicle, hitting a mailbox, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

The best insurance company isn’t always the cheapest

The cheapest 2024 Subaru Impreza insurance is possible both online in addition to local insurance agencies, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies may not offer rate quotes online and these smaller providers only sell coverage through independent agents.

Throughout this article, we presented a lot of information how to save on 2024 Subaru Impreza insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding cheaper insurance. Consumers could even find that the lowest premium rates come from the smaller companies. These smaller insurers may have significantly lower prices on certain market segments as compared to the big name companies such as GEICO and State Farm.

When getting insurance quotes online, don’t be tempted to buy less coverage just to save a little money. In many instances, drivers have reduced physical damage coverage only to find out that they should have had better coverage. Your objective should be to purchase plenty of coverage at a price you can afford, but don’t skip important coverages to save money.

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