A Subaru Impreza's annual full coverage insurance cost ranges from $1,003 to $5,853. Rates vary significantly based on the car's model year, driver age, address, driving record, coverage level and insurer. MoneyGeek explores Subaru Impreza insurance costs and coverage, highlighting the best and cheapest insurers.
Subaru Impreza Insurance Cost
Updated: March 26, 2025
Key Takeaways
GEICO offers the most affordable minimum coverage across all Subaru Impreza model years, with an annual rate of $464.
On average, Subaru Impreza owners pay $585 per year for minimum coverage and $1,339 for full coverage.
MoneyGeek analyzed 4,183 Subaru Impreza quotes to provide a comprehensive view of insurance costs.
Subaru Impreza Insurance Rates
What Is the Average Subaru Impreza Car Insurance Cost?
The average full coverage insurance cost for a Subaru Impreza is $112 per month or $1,339 per year, based on a 40-year-old male driver with a clean record. Minimum coverage costs about $49 monthly or $585 annually.
| Minimum Coverage | $585 |
| Full Coverage | $1,339 |
Subaru Impreza Insurance Costs by Company
Subaru Impreza insurance costs range from $1,033 to $1,838 annually, influenced by age, model year and coverage level. The table below compares average Subaru Impreza insurance rates with averages for all vehicles from various national and mid-size providers.
| Allstate | $1,432 | $1,814 | -21% |
| Auto-Owners | $1,123 | $1,227 | -9% |
| Farmers | $1,781 | $1,956 | -9% |
| GEICO | $1,190 | $1,333 | -11% |
| Kemper | $1,838 | $2,214 | -17% |
| Nationwide | $1,493 | $1,588 | -6% |
| Progressive | $1,548 | $1,744 | -11% |
| State Farm | $1,127 | $1,270 | -11% |
| Travelers | $1,294 | $1,523 | -15% |
| USAA | $1,033 | $1,201 | -14% |
Read more: Best Car Insurance Companies
Cost of Insuring a Subaru Impreza by Model Year
The year your Subaru Impreza was produced affects your insurance rates, with older vehicles generally costing less. For example, a 2022 model has a full coverage rate of $1,451 compared to $1,290 for a 2009 model. Below are the average full and minimum coverage rates for every production year.
| 2022 | $579 | $1,451 |
| 2021 | $576 | $1,446 |
| 2020 | $565 | $1,428 |
| 2019 | $600 | $1,417 |
| 2018 | $611 | $1,399 |
| 2017 | $588 | $1,379 |
| 2016 | $610 | $1,358 |
| 2015 | $609 | $1,337 |
| 2014 | $585 | $1,311 |
| 2013 | $606 | $1,284 |
| 2012 | $604 | $1,257 |
| 2011 | $584 | $1,269 |
| 2010 | $610 | $1,279 |
| 2009 | $612 | $1,290 |
Subaru Impreza Insurance Costs by Driver Age
Subaru Impreza insurance rates vary significantly depending on the driver's age. For example, 40-year-olds pay around $1,350 annually for full coverage, while 16-year-olds pay as much as $5,853. Below are the average minimum and full coverage rates for drivers across ages.
| 16 | $2,716 | $5,853 |
| 17 | $2,209 | $4,769 |
| 18 | $1,928 | $4,201 |
| 19 | $1,367 | $2,986 |
| 20 | $1,228 | $2,714 |
| 21 | $974 | $2,187 |
| 22 | $888 | $2,010 |
| 23 | $824 | $1,877 |
| 24 | $782 | $1,786 |
| 25 | $695 | $1,598 |
| 26 | $677 | $1,549 |
| 27 | $661 | $1,515 |
| 28 | $650 | $1,491 |
| 29 | $640 | $1,471 |
| 30 | $618 | $1,418 |
| 35 | $602 | $1,375 |
| 40 | $596 | $1,350 |
| 45 | $591 | $1,333 |
| 50 | $576 | $1,292 |
| 55 | $562 | $1,257 |
| 60 | $562 | $1,253 |
| 65 | $598 | $1,299 |
| 70 | $650 | $1,391 |
| 75 | $721 | $1,524 |
| 80 | $817 | $1,697 |
| 85 | $884 | $1,820 |
| 90 | $933 | $1,907 |
Subaru Impreza Insurance Rates Explained
Several factors affect car insurance rates, including driver profiles and vehicle-related elements. Below are cost factors tied to your car, such as make and model, age, safety features and repair costs.
Subaru Impreza Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Subaru Impreza
Average Full Coverage Rate
$1,339Premiums for Subaru Impreza are:$43 more
This is 3% more expensive.
Value
The Subaru Impreza's MSRP of $28,975 places it in the compact car category. Lower MSRPs typically result in lower insurance premiums due to decreased replacement costs.
Repair costs
The Subaru Impreza's annual repair cost is $653, below the national average. Lower repair costs can result in more affordable insurance premiums since parts are easier and less expensive to replace.
Performance
The Subaru Impreza's horsepower ranges from 152 to 182, with a 0-to-60 time of 7.8 seconds. Its moderate performance typically keeps insurance costs reasonable.
Vehicle age
Newer Subaru Imprezas are typically more expensive to insure than older ones. However, collector and classic vehicles can be exceptions and can be costly.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify the Subaru Impreza for insurance discounts. Its 5-star NHTSA safety rating lowers accident risks.
Vehicle size
Larger vehicles often cost more to insure due to higher property damage risks. At 3,275 lbs, the Subaru Impreza's smaller size may result in lower insurance costs than larger models.
Trim level
Higher trim levels, like the Subaru Impreza's Sport and RS trims, often come with premium upgrades that increase the MSRP, leading to higher insurance costs than the base model.
Theft rates
Vehicles at higher risk of theft cost more to insure. The Subaru Impreza's theft claims frequency of 49 may contribute to moderate insurance costs.
Cheapest Subaru Impreza Insurance
GEICO offers the lowest Subaru Impreza insurance rate, averaging $464 per year, based on a 40-year-old male with a clean driving record. Below is a breakdown of the cheapest car insurance across coverage levels, age groups, driving records, model years and more.
Cheapest Subaru Impreza Insurance by Coverage Level
The coverage level you select greatly influences your Subaru Impreza insurance rate. GEICO offers the lowest minimum coverage rate, while State Farm is the cheapest for full coverage. Below is a breakdown of the most affordable providers for both types.
Cheapest Subaru Impreza Minimum Coverage
GEICO offers the cheapest minimum coverage for a Subaru Impreza at $39 per month. Other affordable options include State Farm at $40, Travelers at $47 and Progressive at $53.
| USAA | $35 | $417 |
| GEICO | $39 | $464 |
| State Farm | $40 | $479 |
| Travelers | $47 | $559 |
| Progressive | $53 | $637 |
| Allstate | $55 | $656 |
| Nationwide | $56 | $676 |
| Farmers | $57 | $689 |
*GEICO offers non-military-affiliated Subaru Impreza owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Subaru Impreza Insurance Rates by Model Year
The above list doesn't consider the model year, so lower rates may be available depending on your Subaru Impreza's age. Check the table below for the cheapest minimum coverage rates for each production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $672 | $56 |
| Farmers | $740 | $62 |
| GEICO | $492 | $41 |
| Nationwide | $717 | $60 |
| Progressive | $666 | $56 |
| State Farm | $482 | $40 |
| Travelers | $573 | $48 |
| USAA | $395 | $33 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Subaru Impreza Insurance
State Farm offers the most affordable full coverage insurance for a Subaru Impreza at $91 monthly or $1,093 annually. Below is the complete list of full coverage providers and rates.
| USAA | $84 | $1,003 |
| State Farm | $91 | $1,093 |
| GEICO | $96 | $1,146 |
| Travelers | $106 | $1,276 |
| Allstate | $114 | $1,367 |
| Nationwide | $117 | $1,402 |
| Progressive | $122 | $1,467 |
| Farmers | $138 | $1,655 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Subaru Impreza owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Subaru Impreza Insurance by Age
Younger drivers aged 16 to 25 and seniors 55 and up often pay more for Subaru Impreza insurance. Below is a breakdown of the cheapest options by age.
Cheapest Subaru Impreza Insurance for Young Drivers
Drivers aged 16 to 25 can find the cheapest Subaru Impreza insurance with State Farm, charging $1,047 annually or $87 monthly for minimum coverage. Below is a table listing all the affordable car insurance options for young adults.
| USAA | $72 | $863 |
| State Farm | $87 | $1,047 |
| GEICO | $92 | $1,101 |
| Travelers | $97 | $1,167 |
| Allstate | $127 | $1,530 |
| Progressive | $148 | $1,774 |
| Nationwide | $149 | $1,785 |
| Farmers | $154 | $1,853 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Subaru Impreza Insurance for Seniors
State Farm offers the cheapest car insurance for seniors 55 and up, starting at $44 monthly or $526 annually. See the full list of affordable Subaru Impreza insurers below.
| State Farm | $44 | $526 |
| USAA | $46 | $554 |
| GEICO | $46 | $556 |
| Travelers | $56 | $673 |
| Nationwide | $66 | $793 |
| Allstate | $67 | $803 |
| Progressive | $68 | $816 |
| Farmers | $77 | $919 |
Cheapest Subaru Impreza Insurance After an Accident
State Farm, GEICO and Travelers offer Subaru Impreza drivers the most affordable car insurance after an accident. See the complete list below.
| State Farm | $50 | $600 |
| USAA | $53 | $636 |
| GEICO | $61 | $726 |
| Travelers | $66 | $793 |
| Allstate | $74 | $892 |
| Progressive | $86 | $1,036 |
| Nationwide | $87 | $1,044 |
| Farmers | $112 | $1,342 |
Subaru Impreza Insurance Cost: Bottom Line
Compare rates from various providers regularly to find the cheapest car insurance. This article explores Subaru Impreza insurance, detailing costs across demographics and highlighting the most affordable options.
Subaru Impreza Insurance Rates: FAQ
Below are answers to common questions about Subaru Impreza insurance costs, helping you understand how to find affordable coverage options.
What company has the cheapest car insurance for a Subaru Impreza?
GEICO is the cheapest car insurance provider for a Subaru Impreza, with an annual minimum coverage rate of $464.
What is the average cost of car insurance for a Subaru Impreza?
A Subaru Impreza's average annual insurance cost is $585 for minimum coverage and $1,339 for full coverage.
Subaru Impreza Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Subaru Impreza insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Subaru Impreza:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Subaru Impreza insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Subaru Impreza.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.