Compare the Cost of Subaru Impreza Insurance by Model Year and Company

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Updated: January 15, 2025

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Subaru Impreza insurance costs are influenced by the driver's age and the model year. For instance, a 40-year-old driver insuring a 2009 Subaru Impreza should expect to pay an average of $1,310 per year, while insuring a 2022 model will cost approximately $1,464 annually. However, rates for a 16-year-old driver are significantly higher, with insurance for a 2009 Subaru Impreza averaging $5,981 per year and a 2022 model averaging $6,547 per year.

MoneyGeek has also ranked the best auto insurance providers that offer cost-effective rates and top-notch service.

Key Takeaways

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When looking to insure a Subaru Impreza, both full and minimum coverage options depend significantly on the insurer you choose. Prioritizing affordability while also considering service quality is essential. Based on the data provided:

Full Coverage Insurance
- Cheapest Option: State Farm
- Annual Premium: $1,089
- Notable for affordability and high customer satisfaction with a MoneyGeek score of 90 out of 100.
- Highest Cost Option: Farmers
- Annual Premium: $1,683

For specific models:
- 2009 Subaru Impreza: State Farm offers a premium of $1,074.
- 2022 Subaru Impreza: State Farm offers a premium of $1,193.

For teenage drivers, particularly a 16-year-old with a 2022 Subaru Impreza, the cost varies dramatically:
- State Farm offers the cheapest rate at $3,794 per year.
- Farmers is significantly more expensive at approximately $9,319 per year.

Minimum Coverage Insurance
- Cheapest Option: GEICO
- Annual Premium: $473
- Highest Cost Option: Farmers
- Annual Premium: $724

Summary
For those prioritizing affordability, State Farm emerges as the best choice for full coverage due to its competitive pricing and commendable service quality. For minimum coverage, GEICO offers the most cost-effective rates, making it an excellent choice for budget-conscious drivers. It's crucial to compare quotes from various insurers to ensure you get the best combination of price and service for your needs.

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Based on the information provided, the best car insurance provider for a Subaru Impreza is State Farm. They have received a high MoneyGeek score of 90 out of 100 and offer the most affordable rates for full coverage. For a 40-year-old driver:

- 2009 Subaru Impreza: The annual premium is $1,074.
- 2022 Subaru Impreza: The annual premium is $1,193.

State Farm's competitive pricing, combined with their excellent customer satisfaction, makes them the optimal choice for insuring a Subaru Impreza, regardless of model year.

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When considering car insurance premiums, age is a significant factor that can dramatically impact costs. Younger drivers, particularly teenagers, face substantially higher insurance rates than older, more experienced drivers. This is primarily due to the higher risk associated with younger drivers, who statistically are more likely to be involved in accidents.

Subaru Impreza Insurance Costs by Age

- 16-Year-Old Driver:
- 2009 Subaru Impreza: The annual insurance cost is approximately $5,981.
- 2022 Subaru Impreza: The annual insurance cost rises to about $6,547.

- 40-Year-Old Driver:
- 2009 Subaru Impreza: The annual insurance cost is about $1,310.
- 2022 Subaru Impreza: The cost increases slightly to $1,464 annually.

Trends in Insurance Rates Over Time

Insurance rates decrease significantly as a driver ages from their teenage years into adulthood. This decrease is due to both accumulating more driving experience and statistically proving to be less risky drivers. Rates tend to stabilize once drivers reach their 30s and 40s, where they often experience the lowest premiums if they maintain a clean driving record.

Age-Related Insurance Rate Factors

- Teenagers and Young Drivers: Insurance premiums are highest for this age group because insurers view them as high-risk drivers more likely to be involved in accidents. A 16-year-old driver could pay more than four times the premium of a middle-aged driver.

- 30s to 40s: By their 30s, drivers see a significant reduction in insurance rates, and by 40, they typically pay some of the lowest rates possible. For a Subaru Impreza, a 40-year-old driver pays roughly one-fifth of what a 16-year-old would pay.

Choosing an Insurance Provider

Besides age, the choice of insurance provider also affects costs. For example, State Farm offers competitive rates for Subaru Impreza full coverage policies, making it the most affordable provider among top companies. They charge $1,089 annually for a full coverage policy, which can appeal to drivers seeking cost-effective options. On the other hand, Farmers tends to be more expensive, with rates as high as $1,683 for full coverage.

Cost-Saving Tips

1. Family Plans: Adding a teen driver to a family insurance plan can be more cost-effective than an individual policy.

2. Compare Providers: Obtaining quotes from multiple insurers can help find the best rates specific to your age and car model.

3. Seek Discounts: Many insurers offer discounts for students with good grades, safe driving records, and installing safety devices in the vehicle.

Understanding how age affects insurance costs and actively seeking the best coverage based on personal factors can result in significant savings over time.

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Why do we need ZIP code?

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Subaru Impreza.

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These rates were updated to reflect the average cost of car insurance for a Subaru Impreza as of 2023.

10Companies Compared
 
41,832Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Subaru Impreza

The average cost of insuring a Subaru Impreza is $1,388 per year. However, your choice of provider can significantly affect this amount. State Farm offers the lowest annual cost for a full coverage policy at $1,089, while Farmers charges the highest average rate at $1,683 per year.

For minimum coverage policies, GEICO is the most cost-effective option with an annual cost of $473, while Farmers is the most expensive at an average rate of $724 per year. Comparing multiple quotes from different insurers can help you find the cheapest car insurance policy that suits your needs.

Data filtered by:Results filtered by:
Select
Age:40
Select
Coverage:Full Coverage
State Farm$1,089
GEICO$1,156
Travelers$1,249
Allstate$1,364
Nationwide$1,401
Progressive$1,476
Farmers$1,683

Is a Subaru Impreza Expensive to Insure?

Insurance companies consider many factors to determine Subaru Impreza insurance costs. These factors include the car's model year, repair costs, theft rates, location and more. Due to its modest value, MSRP of $21,090, and low horsepower, the Subaru Impreza is considered cheap to insure. Cars with lower horsepower are usually less prone to major accidents, making them more affordable to insure.

Best Companies for Insuring a Subaru Impreza

Aside from cost, it's vital to consider aspects like customer satisfaction and claims management when buying insurance for your Subaru Impreza. The best Subaru Impreza insurance providers are:

  • State Farm: MoneyGeek score of 90 out of 100 ($1,089 per year)
  • GEICO: MoneyGeek score of 89 out of 100 ($1,156 per year)

State Farm's exceptional customer satisfaction and affordability scores indicate that the company delivers quality service and value at a low price, making it the best car insurance provider for Subaru Impreza.

MoneyGeek Top Pick: State Farm

State Farm

pros

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Offers the cheapest rates for the Subaru Impreza among the providers in our analysis

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Second-highest customer satisfaction score

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Provides roadside assistance and rental car coverage

cons

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Poor claims management rating

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Does not offer original equipment manufacturer (OEM) coverage or gap insurance

COMPANY HIGHLIGHTS

MoneyGeek found that State Farm is the best Subaru Impreza insurance company thanks to its exceptional customer service and affordable rates. Although it doesn't provide a wide range of coverage options, it does offer some beneficial add-ons to Subaru Impreza drivers.

State Farm offers rental car coverage, which is an additional service that can offer financial protection if you damage a rental car or cause an accident. You'll be protected for up to the chosen limit for rental car costs and travel expenses of up to $500.

State Farm's roadside assistance add-on covers the cost of towing your car to the closest repair facility and providing gas, oil, a new battery or a new tire when your car breaks down.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

GEICO

pros

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Placed second for affordability

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Third-best customer satisfaction score

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Offers accident forgiveness and mechanical breakdown insurance (MBI)

cons

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Doesn’t provide original equipment manufacturer (OEM) coverage

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Received poor claims handling score

COMPANY HIGHLIGHTS

GEICO is the second-best car insurance provider for Subaru Impreza drivers, offering affordable coverage and good customer service. Although GEICO may not have the best claims handling efficiency compared to other providers, it offers various useful coverage options for most drivers.

GEICO's mechanical breakdown insurance (MBI) is an excellent choice for those with a newer Subaru Impreza. It covers repairs for all mechanical parts of your car, as long as it's less than 15 months old with fewer than 15,000 miles. This coverage offers comprehensive protection at a lower cost compared to extended warranties provided by dealerships.

GEICO also offers accident forgiveness, which can be purchased or earned by drivers who have not been in an accident for at least five years. With accident forgiveness, your insurance premiums will not increase after your first at-fault accident.

Cost of Insuring a Subaru Impreza by Model Year

The average cost of car insurance for a 2009 Subaru Impreza is $1,310 annually, while coverage for a 2022 model costs $1,464 per year. There is a $154 difference because insurance providers consider newer cars to have a higher risk of getting into accidents, being stolen or damaged, leading to higher premiums.

Data filtered by:Results filtered by:
Select
Age:40
Select
Coverage:Full Coverage
2022$1,464
2021$1,449
2020$1,405
2019$1,413
2018$1,396
2017$1,350
2016$1,354
2015$1,335
2014$1,281
2013$1,279
2012$1,252
2011$1,245
2010$1,290
2009$1,310

Subaru Impreza insurance costs are affected by the model year and your chosen insurance provider. State Farm provides the most affordable full coverage rates for both the 2009 and 2022 Subaru Impreza models, with rates of $1,074 and $1,193, respectively.

Data filtered by:Results filtered by:
Select
Model Year:2022
Select
Age:40
Select
Coverage:Full Coverage
State Farm$1,193
GEICO$1,205
Travelers$1,323
Nationwide$1,364
Progressive$1,525
Allstate$1,584
Farmers$1,891

Cost of Insuring a Subaru Impreza for 16- to 25-Year-Olds

Typically, car insurance premiums are significantly higher for teenage drivers and those in their 20s compared to drivers who are 30 years or older. For a full coverage policy, Subaru Impreza insurance costs for 16-year-old drivers is around $6,100 per year, while for a 40-year-old driver, it's about $1,344 per year. However, as drivers age through their teenage years, the cost of teen car insurance decreases, but it tends to level off in their 20s.

Data filtered by:Results filtered by:
Select
Coverage:Full Coverage
16$6,100
17$4,963
18$4,366
19$3,023
20$2,740
21$2,112
22$1,954
23$1,819
24$1,729
25$1,559

Adding a teen driver to a family plan is usually the most cost-effective way to insure them, as individual plans can be considerably more expensive. For a 16-year-old driver of a 2022 Subaru Impreza, State Farm offers the cheapest full coverage rate for an individual plan at $3,794 per year, while Farmers provides the most expensive rate at around $9,319 per year. It's essential to compare teen car insurance rates from different providers to find the best option.

Data filtered by:Results filtered by:
Select
Age:16
Select
Model Year:2022
Select
Coverage:Full Coverage
State Farm$3,794
Travelers$5,218
Nationwide$5,354
GEICO$5,552
Allstate$7,386
Progressive$8,059
Farmers$9,319

How Does Location Affect the Cost of Subaru Impreza Insurance?

Your Subaru Impreza car insurance costs can be significantly affected by where you live, your age and your car's model year. Regarding average insurance premiums, Idaho has the lowest rate at $299 per year, while Florida has the highest rate at $1,058 per year. To find the most suitable and cost-effective insurance coverage for your Subaru Impreza, we recommend comparing quotes from different insurers in your state.

Data filtered by:Results filtered by:
Select
Age Group:30-59
Select
Coverage:Full Coverage
AlabamaNationwide$709$59
AlaskaState Farm$699$58
ArizonaRoot Insurance Company$682$57
ArkansasState Farm$629$52
CaliforniaAAA California$1,001$83
ColoradoAmerican National P&C$541$45
ConnecticutGEICO$693$58
DelawareState Farm$881$73
District of ColumbiaGEICO$662$55
FloridaState Farm$1,058$88
GeorgiaCountry Financial$665$55
HawaiiGEICO$565$47
IdahoAmerican National P&C$299$25
IllinoisCountry Financial$663$55
IndianaAmerican Family$555$46
IowaState Farm$509$42
KansasNationwide$670$56
KentuckyNationwide$790$66
LouisianaLouisiana Farm Bureau$1,048$87
MaineConcord Group$521$43
MarylandProgressive$938$78
MassachusettsState Farm$483$40
MichiganGEICO$898$75
MinnesotaState Farm$797$66
MississippiDirect General Insurance$723$60
MissouriNationwide$909$76
MontanaProgressive$437$36
NebraskaAmerican National P&C$405$34
NevadaCSAA$940$78
New HampshireState Farm$540$45
New JerseyPlymouth Rock Assurance$895$75
New MexicoState Farm$644$54
New YorkKemper$781$65
North CarolinaErie$630$52
North DakotaAmerican Family$616$51
OhioNationwide$485$40
OklahomaState Farm$662$55
OregonState Farm$706$59
PennsylvaniaNationwide$580$48
Rhode IslandState Farm$700$58
South CarolinaAmerican National P&C$463$39
South DakotaAllstate$746$62
TennesseeState Farm$579$48
TexasState Farm$699$58
UtahNationwide$725$60
VermontState Farm$493$41
VirginiaAmerican Family$601$50
WashingtonPEMCO$534$44
West VirginiaErie$784$65
WisconsinGEICO$556$46
WyomingState Farm$745$62

Frequently Asked Questions About Subaru Impreza Insurance

When shopping for the best policy, you might have some questions about insurance providers, their customer service and costs. We've addressed some frequently asked questions about the best Subaru Impreza insurance.

What company has the cheapest car insurance for a Subaru Impreza?

What company offers the best car insurance for a Subaru Impreza?

About Mark Fitzpatrick

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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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