Subaru Impreza Insurance Cost [2022 Rates + Comparisons]

How much does Subaru Impreza insurance cost? We analyzed insurance rates for the base, Sport, Premium and Limited models to see which has the cheapest average cost.

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How much will it cost to insure a Subaru Impreza?

Subaru Impreza insurance costs an average of $1,312 per year for full coverage. Average cost per month ranges from $99 to $120, depending on the trim level.

When split out by coverage type, collision insurance will cost approximately $588 a year, comprehensive (or other-than-collision) coverage costs about $312, and the remaining liability and medical coverage is about $412.

The chart below shows average car insurance rates on a 2022 Impreza with a range of different policy situations. Middle-aged drivers with good driving records stand the best chance at finding cheap car insurance for a Subaru Impreza, while younger and high-risk drivers will pay higher rates.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Subaru Impreza with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Subaru Impreza trim levels.Data last updated on April 20, 2022
Subaru Impreza Insurance Cost Summary
Subaru Impreza Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$2,978$248
Safe Driver Age 20$2,608$217
At-fault Accidents Age 40$1,852$154
Low Deductibles Age 40$1,710$143
Safe Driver Age 30$1,384$115
Safe Driver Age 40$1,312$109
Safe Driver Age 50$1,198$100
Safe Driver Age 60$1,176$98
High Deductibles Age 40$1,108$92
Discount Rate Age 40$1,094$91

To help you comprehend how much variability there is when insuring an Impreza, keep in mind that an Impreza insurance policy with only liability coverage in the most affordable parts of Iowa or Idaho costs as little as $241 a year. At the same time, insurance cost for a 16-year-old with a few violations or accidents in some zip codes in Michigan may have to pay as much as $10,276 a year for a policy that provides full coverage.

Other insights into different rates and insurance situations include:

  • Young male drivers pay the highest rates. For a 2022 Subaru Impreza, a 20-year-old male will pay an average rate of $2,608 per year, while a 20-year-old female will pay an average of $1,932, a difference of $676 per year in the women’s favor by a large margin. But by age 50, the male rate is $1,198 and rates for female drivers are $1,172, a difference of only $26.
  • Get cheaper insurance rates by avoiding traffic tickets. To receive the cheapest Impreza insurance rates, it pays to be a conservative driver. A couple of minor driving infractions could raise Impreza insurance cost by as much as $342 per year.
  • Your occupation could save you money. The vast majority of insurance companies offer discounts for earning a living in occupations like nurses, accountants, architects, college professors, high school and elementary teachers, farmers, and others. By working in a job that qualifies, you could save between $39 and $158 on your Subaru Impreza insurance premium, depending on the age of the driver.
  • It’s expensive to buy high risk insurance. For a 40-year-old driver, having a high frequency of accidents or violations increases the cost by $1,580 or more per year.
  • Lots of discounts equals cheaper Impreza insurance. Discounts may be available if the policyholders insure their home and car with the same company, sign their policy early, drive low annual mileage, take a defensive driving course, work in certain occupations, or many other discounts which could save the average driver as much as $218 per year.
  • Lower the cost of your policy by increasing deductibles. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $204 per year for a 40-year-old driver and $400 per year for a 20-year-old driver.
  • Low physical damage deductibles may be wasting money. Lowering your physical damage coverage deductibles from $500 to $250 could cost an additional $214 per year for a 40-year-old driver and $424 per year for a 20-year-old driver.
  • Car insurance for teens is expensive. Average rates for full coverage Impreza insurance costs $4,704 per year for a 16-year-old driver, $4,396 per year for a 17-year-old driver, and $4,108 per year for a 18-year-old driver.

Is Impreza insurance expensive compared to other cars?

The Subaru Impreza ranks #1 out of 20 total vehicles in the 2022 compact car segment. The Impreza costs an average of $1,312 per year to insure for full coverage, while the segment median cost is $1,557 annually, making the Impreza $245 cheaper per year on average.

When compared directly to the most popular models in the small car category, Subaru Impreza insurance costs $186 less per year than the Honda Civic, $174 less than the Toyota Corolla, $164 less than the Nissan Sentra, and $394 less than the Hyundai Elantra.

The table below shows how average Subaru Impreza insurance rates compare to all 20 models in the 2022 compact car category.

Insurance Cost Comparison: Subaru Impreza vs Small Cars
Rank Make/Model Insurance Cost Difference
1Subaru Impreza$1,312--
2Chevrolet Spark$1,320$8
3Volkswagen Golf$1,456$144
4Volkswagen Jetta$1,470$158
5Nissan Sentra$1,476$164
6Toyota Corolla$1,486$174
7Kia Rio$1,494$182
8Honda Civic$1,498$186
9Mazda 3$1,500$188
10Toyota Prius$1,512$200
11Hyundai Accent$1,530$218
12Hyundai Veloster$1,546$234
13Kia Forte$1,550$238
14Nissan Leaf$1,616$304
15Hyundai Ioniq$1,620$308
16Honda Clarity$1,666$354
17Hyundai Elantra$1,706$394
18Nissan Versa$1,708$396
19Mitsubishi Mirage G4$1,714$402
20Toyota Mirai$1,956$644

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Insurance Cost Comparison: Subaru Impreza vs Small Cars

What is the cheapest Subaru Impreza insurance?

The cheapest trim level of Subaru Impreza to insure is the 5-Door AWD at an average of $1,188 per year, or about $99 per month. The next cheapest model is the Sport 5-Door AWD at $1,238 per year.

The most expensive trim levels of Impreza to insure are the Premium Sedan AWD at $1,444 and the Sport Sedan AWD at $1,398 per year. Those will cost an extra $256 and $210 per year, respectively, over the cheapest Impreza trim level to insure.

The table below shows average car insurance rates for  annual and semi-annual policy terms, in addition to a monthly budget estimate, for each Subaru Impreza package and trim.

2022 Subaru Impreza Insurance Cost by Trim Level
Subaru Impreza Trim Level Annual Policy 6-month Policy Per Month
5-Door AWD$1,188$594$99
Sport 5-Door AWD$1,238$619$103
Premium 5-Door AWD$1,282$641$107
Sedan AWD$1,322$661$110
Limited 5-Door AWD$1,328$664$111
Sport Sedan AWD$1,398$699$117
Premium Sedan AWD$1,444$722$120

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Subaru Impreza, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Subaru Impreza Insurance Cost by Trim Level

How much is insurance on a used Impreza?

Skipping the 2022 model and instead driving a used 2013 Subaru Impreza can save $176 per year at a minimum. Even a 2017 model will save around $168 compared to a 2022 model.

The data below details average car insurance rates for 2010 through 2022 Subaru Impreza models.

Subaru Impreza Insurance Cost for 2010-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Subaru Impreza$1,312$656$109
2021 Subaru Impreza$1,288$644$107
2020 Subaru Impreza$1,264$632$105
2019 Subaru Impreza$1,236$618$103
2018 Subaru Impreza$1,190$595$99
2017 Subaru Impreza$1,144$572$95
2016 Subaru Impreza$1,122$561$94
2015 Subaru Impreza$1,138$569$95
2014 Subaru Impreza$1,150$575$96
2013 Subaru Impreza$1,136$568$95
2012 Subaru Impreza$1,113$557$93
2011 Subaru Impreza$1,091$546$91
2010 Subaru Impreza$1,069$535$89

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Subaru Impreza Insurance Cost by Model Year

Sooner or later, it makes smart financial sense to remove coverage for physical damage from an insurance policy. As a Subaru Impreza depreciates over time, the expense required to maintain physical damage coverage surpasses any added benefit.

Eliminating physical damage coverage on an older Subaru Impreza could possibly save $648 a year, depending on where the physical damage deductibles were set and the age of the rated driver.

Removing this coverage is a personal decision and only do it when it makes financial sense for your own situation. If you remove full coverage and your Impreza gets totaled, you will want to have enough savings in reserve to purchase a replacement vehicle if needed.

How much is Subaru Impreza insurance for teenagers?

Average car insurance rates for teenagers on a 2022 Impreza are definitely higher than rates for more mature drivers. Prices range from a low of $3,308 for a 19-year-old female driver to a high of $4,704 for a 16-year-old male driver.

Subaru Impreza insurance for a 17-year-old driver averages $3,908 for females and $4,396 for males, while 18-year-olds pay an average of $3,566 for female drivers and $4,108 for male drivers.

As the cheapest car on their list, Parents magazine chose the 2020 Subaru Impreza as one of the top five cars for teenagers due to having perfect NHTSA crash test ratings and all wheel drive.

The chart below shows average car insurance rates for male and female drivers aged 16 to 19 when insured on a Honda Fit with full coverage.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for a 2022 model year Subaru Impreza with $500 physical damage deductibles. Rates are averaged across all U.S. states and all Subaru Impreza trim levels.Data last updated on March 13, 2022
Subaru Impreza Insurance Rates for Teenagers
Subaru Impreza Insurance Cost for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male$4,704$4,396$4,108$3,718
Female$4,138$3,908$3,566$3,308

Older Impreza models will have cheaper car insurance rates, and at some point, physical damage coverage can be removed to cut insurance costs. Liability insurance is still pricey on any vehicle driven by an inexperienced teen driver, but not having to pay for comprehensive and collision coverage will definitely save money.