Buying cheap auto insurance for a Subaru Impreza in California doesn’t take a lot of effort, but it depends on a very complex rating algorithm that uses multiple factors such as age of the vehicle, your geographic location, and your driving record. Drivers will pay on average $1,425 annually to insure their Impreza, but that figure is an estimate based on a 40-year-old married male driver with full comprehensive and collision coverage and $250 deductibles.
There’s a good chance you’re not a 40-year-old male, possibly single instead of married, or maybe you prefer to not insure for full coverage. Just a minor difference in the rating criteria used to formulate rates could end up in a significant change in policy price.
The different assumptions illustrate why the best way to find the cheapest coverage for your Subaru is to do your own rate comparisons.
The trim level of your vehicle will influence price, so the price you will pay to insure a Impreza 2.5I 4WD Station Wagon trim level will be $364 less than the cost to insure the more costly Impreza WRX STI 4WD Station Wagon version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Impreza 2.5I 4WD Station Wagon||$310||$434||$456||$26||$136||$1,362||$114|
|Impreza 2.5I 4WD Station Wagon||$310||$434||$456||$26||$136||$1,362||$114|
|Impreza Outback Sport 4WD Station Wagon||$310||$530||$456||$26||$136||$1,458||$122|
|Impreza 2.5I AWD 4-Dr||$350||$530||$456||$26||$136||$1,498||$125|
|Impreza 2.5I Premium Package AWD 4-Dr||$350||$624||$456||$26||$136||$1,592||$133|
|Impreza WRX 4WD Station Wagon||$350||$624||$456||$26||$136||$1,592||$133|
|Impreza 2.5 GT 4WD Station Wagon||$390||$624||$456||$26||$136||$1,632||$136|
|Impreza WRX AWD 4-Dr||$390||$718||$456||$26||$136||$1,726||$144|
|Impreza 2.5I GT AWD 4-Dr||$390||$718||$456||$26||$136||$1,726||$144|
|Impreza WRX STI 4WD Station Wagon||$390||$718||$456||$26||$136||$1,726||$144|
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Information does not factor in garaging location in San Francisco which can raise or lower prices significantly.
Selecting the right auto insurance company can be rather challenging considering how many choices there are in San Francisco. The rank data in the next section can help you decide which auto insurance companies to look at when shopping your coverage around. The rankings below are only comprised of companies that insure vehicles nationwide, so smaller companies that only insure vehicles in California will not be included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on San Francisco auto insurance
Car insurance companies that sell policies for a Subaru Impreza may also give you premium discounts that could reduce prices by 35% or more if you can meet the requirements. A few popular companies and a summarized list of policyholder discounts can be read below.
- Mercury Insurance discounts include low natural disaster claims, professional/association, good student, multi-car, anti-theft, age of vehicle, and accident-free.
- Farmers Insurance policyholders can earn discounts including bundle discounts, early shopping, distant student, youthful driver, and good student.
- Farm Bureau has discounts for 55 and retired, renewal discount, multi-vehicle, safe driver, good student, multi-policy, and driver training.
- State Farm may include discounts for driver’s education, Steer Clear safe driver discount, student away at school, safe vehicle, good student, defensive driving training, and multiple policy.
- Allstate offers discounts for utility vehicle, FullPay discount, EZ pay plan discount, resident student, farm vehicle, and defensive driver.
- GEICO offers premium reductions for membership and employees, daytime running lights, defensive driver, anti-lock brakes, military active duty, and federal employee.
The example below illustrates the difference between annual premium costs with and without discounts applied to the premium. The prices are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple vehicle, anti-theft, marriage, safe-driver, defensive driving course, and accident-free discounts applied. When discounts are applied, theaverage yearly reduction on insurance for a Subaru Impreza is 28% or $697.
The information below illustrates how your choice of deductibles can affect annual premium costs when quoting cheap insurance for a Subaru Impreza. The costs are based on a married male driver, full physical damage coverage, and no discounts are applied.
In the chart above, a 30-year-old driver could reduce rates by $408 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $618 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, can save up to $1,230 or even more by selecting a higher deductible.
If you do raise deductibles, it will be required to have emergency funds available to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Full coverage versus liability only rates
Reducing premiums for insurance should be important to most drivers, and an effective way to find cheaper insurance for a Subaru Impreza is to only buy liability coverage. The illustration below visualizes the comparison of annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The rates are based on no violations or claims, $500 deductibles, single marital status, and no discounts are factored in.
If we average the cost for ages 20 through 70, comp and collision coverage costs an additional $2,853 per year more than buying just liability insurance. That brings up the question if buying full coverage is a waste of money. There isn’t a written rule of when to exclude full coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your vehicle’s replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after the policy deductible has been paid. If you are currently paying more than $500 a year for full coverage, then it might be time to buy liability only.
There are some circumstances where removing full coverage is not a good plan. If you haven’t paid off your loan, you have to keep full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
The agents below can most likely answer your questions and help you decide which auto insurance policy would work best for you, as many people would rather get some help when comparing insurance rates for an Impreza. It’s not always easy to find the cheapest rate yourself, and insurance agents can provide you comfort knowing your coverage gives you sufficient protection if you have a claim. To locate an agency in your neighborhood, click the button at the bottom of the list or click here to compare rates now.
Jing Lee – State Farm Insurance Agent
4444 Geary Blvd #300 – San Francisco, CA 94118 – (415) 752-8888
Jessica Liu Insurance Services
3428 Balboa St – San Francisco, CA 94121 – (415) 386-2283
Angela Chan – State Farm Insurance Agent
756 Sacramento St – San Francisco, CA 94108 – (415) 956-4888
Jake Ng – State Farm Insurance Agent
1643 Noriega St – San Francisco, CA 94122 – (415) 564-0333