Best Ways to Get Cheaper Subaru Impreza Insurance in 2023

• Subaru Impreza insurance rates average $1,498 per year or $749 for a semi-annual policy, depending on the trim level.
• When compared to other small cars, the Subaru Impreza is one of the cheaper small cars to insure, costing $306 less per year on average for the 2023 model year.
• The cheapest Subaru Impreza insurance can be found on the base 5-Door AWD at an estimated $1,364 per year, or about $114 per month.

How much will it cost to insure a Subaru Impreza?

Subaru Impreza insurance costs an average of $1,498 per year for full coverage. Average cost per month ranges from $114 to $137, depending on the trim level.

When split out by coverage type, collision insurance will cost approximately $678 a year, comprehensive (or other-than-collision) coverage costs about $348, and the remaining liability and medical coverage is about $472.

The chart below shows average car insurance rates on a 2023 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.

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 $9,886 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 2023 Subaru Impreza, a 20-year-old male will pay an average rate of $2,986 per year, while a 20-year-old female will pay an average of $2,208, a difference of $778 per year in the women’s favor by a large margin. But by age 50, the male rate is $1,366 and rates for female drivers are $1,338, a difference of only $28.
• 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 $396 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 $45 and $183 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 $1,812 or more per year.
• Lots of discounts equal 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 $254 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 $234 per year for a 40-year-old driver and $458 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 $242 per year for a 40-year-old driver and $480 per year for a 20-year-old driver.
• Car insurance for teens is expensive. Average rates for full coverage Impreza insurance costs $5,392 per year for a 16-year-old driver, $5,042 per year for a 17-year-old driver, and $4,708 per year for an 18-year-old driver.

Is Impreza insurance expensive compared to other cars?

The Subaru Impreza ranks first out of 15 total vehicles in the 2023 compact car segment. The Impreza costs an average of $1,498 per year to insure for full coverage, while the segment median cost is $1,804 annually, making the Impreza $306 cheaper per year on average.

When compared directly to the most popular models in the small car category, Subaru Impreza insurance costs $274 less per year than the Honda Civic, $202 less than the Toyota Corolla, $184 less than the Nissan Sentra, and $480 less than the Hyundai Elantra.

The table below shows how average Subaru Impreza insurance rates compare to all 15 models in the 2023 compact car category.

What is the cheapest Subaru Impreza insurance?

The cheapest trim level of Subaru Impreza to insure is the base 5-Door AWD at an average of $1,364 per year, or about $114 per month. The next cheapest model is the base Sedan AWD at $1,434 per year.

The most expensive trim levels of Impreza to insure are the Sport Sedan AWD at $1,646 and the Premium Sedan AWD at $1,614 per year. Those will cost an extra $282 and $250 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.

How much is insurance on a used Impreza?

Skipping the 2023 model and instead driving a used 2013 Subaru Impreza can save $232 per year at a minimum. Even a 2017 model will save around $228 compared to a 2023 model.

The data below details average car insurance rates for 2010 through 2023 Subaru Impreza models.

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 $708 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 2023 Impreza are definitely higher than rates for more mature drivers. Prices range from a low of $3,790 for a 19-year-old female driver to a high of $5,392 for a 16-year-old male driver.

Subaru Impreza insurance for a 17-year-old driver averages $4,482 for females and $5,042 for males, while 18-year-olds pay an average of $4,088 for female drivers and $4,708 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.

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.