Who Has Cheap Auto Insurance for a Subaru Impreza in San Francisco?

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.

Find Cheaper Subaru Impreza Insurance

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.

Subaru Impreza Insurance Rates in San Francisco, CA
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.

Best Ten Insurance Companies for a Subaru Impreza in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
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Data Source: Insure.com Best Car Insurance Companies

Get discounts on San Francisco auto insurance

Discounts on insurance for a Subaru ImprezaCar 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.

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 #300San Francisco, CA 94118(415) 752-8888

Jessica Liu Insurance Services
3428 Balboa StSan Francisco, CA 94121(415) 386-2283

Angela Chan – State Farm Insurance Agent
756 Sacramento StSan Francisco, CA 94108(415) 956-4888

Jake Ng – State Farm Insurance Agent
1643 Noriega StSan Francisco, CA 94122(415) 564-0333

More San Francisco, CA insurance agents