- Subaru Impreza insurance rates average $1,462 per year or $731 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 $295 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 $1,330 per year, or about $111 per month.
How much will it cost to insure a Subaru Impreza?
Subaru Impreza insurance costs an average of $1,462 per year for full coverage. Average cost per month ranges from $111 to $134, depending on the trim level.
When split out by coverage type, collision insurance will cost approximately $660 a year, comprehensive (or other-than-collision) coverage costs about $340, and the remaining liability and medical coverage is about $462.
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.
|Driver Risk Profile||Annual Rate||Monthly Rate|
|High Risk Driver Age 30||$3,322||$277|
|Safe Driver Age 20||$2,912||$243|
|At-fault Accidents Age 40||$2,060||$172|
|Low Deductibles Age 40||$1,904||$159|
|Safe Driver Age 30||$1,540||$128|
|Safe Driver Age 40||$1,462||$122|
|Safe Driver Age 50||$1,334||$111|
|Safe Driver Age 60||$1,310||$109|
|High Deductibles Age 40||$1,234||$103|
|Discount Rate Age 40||$1,214||$101|
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 $9,786 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 $2,912 per year, while a 20-year-old female will pay an average of $2,152, a difference of $760 per year in the women’s favor by a large margin. But by age 50, the male rate is $1,334 and rates for female drivers are $1,308, 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 $382 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 $44 and $178 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 $1,760 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 $248 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 $228 per year for a 40-year-old driver and $446 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 $236 per year for a 40-year-old driver and $470 per year for a 20-year-old driver.
- Car insurance for teens is expensive. Average rates for full coverage Impreza insurance costs $5,254 per year for a 16-year-old driver, $4,912 per year for a 17-year-old driver, and $4,588 per year for a 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 $1,462 per year to insure for full coverage, while the segment median cost is $1,757 annually, making the Impreza $295 cheaper per year on average.
When compared directly to the most popular models in the small car category, Subaru Impreza insurance costs $266 less per year than the Honda Civic, $194 less than the Toyota Corolla, $174 less than the Nissan Sentra, and $466 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.
|10||Mitsubishi Mirage G4||$1,738||$276|
|14||Toyota GR Corolla||$2,004||$542|
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 $1,330 per year, or about $111 per month. The next cheapest model is the base Sedan AWD at $1,396 per year.
The most expensive trim levels of Impreza to insure are the Sport Sedan AWD at $1,602 and the Premium Sedan AWD at $1,570 per year. Those will cost an extra $272 and $240 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.
|Subaru Impreza Trim Level||Annual Policy||6-month Policy||Per Month|
|Base 5-Door AWD||$1,330||$665||$111|
|Base Sedan AWD||$1,396||$698||$116|
|Premium 5-Door AWD||$1,416||$708||$118|
|Sport 5-Door AWD||$1,424||$712||$119|
|Limited 5-Door AWD||$1,486||$743||$124|
|Premium Sedan AWD||$1,570||$785||$131|
|Sport Sedan AWD||$1,602||$801||$134|
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 $226 compared to a 2023 model.
The data below details average car insurance rates for 2010 through 2023 Subaru Impreza models.
|Model Year and Vehicle||Annual Rate||6-month Rate||Monthly Rate|
|2023 Subaru Impreza||$1,462||$731||$122|
|2022 Subaru Impreza||$1,436||$718||$120|
|2021 Subaru Impreza||$1,416||$708||$118|
|2020 Subaru Impreza||$1,396||$698||$116|
|2019 Subaru Impreza||$1,350||$675||$113|
|2018 Subaru Impreza||$1,298||$649||$108|
|2017 Subaru Impreza||$1,236||$618||$103|
|2016 Subaru Impreza||$1,216||$608||$101|
|2015 Subaru Impreza||$1,214||$607||$101|
|2014 Subaru Impreza||$1,234||$617||$103|
|2013 Subaru Impreza||$1,230||$615||$103|
|2012 Subaru Impreza||$1,205||$603||$100|
|2011 Subaru Impreza||$1,181||$591||$98|
|2010 Subaru Impreza||$1,158||$579||$96|
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 $688 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 $3,694 for a 19-year-old female driver to a high of $5,254 for a 16-year-old male driver.
Subaru Impreza insurance for a 17-year-old driver averages $4,366 for females and $4,912 for males, while 18-year-olds pay an average of $3,982 for female drivers and $4,588 for male drivers.
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.
|Teen Driver Gender||Age 16||Age 17||Age 18||Age 19|
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.