Finding cheaper car insurance for a Subaru Impreza doesn’t take a ton of time, but it depends on many rating criteria such as your gender, the condition of your credit, and citations or violations on your driving record. Drivers will pay around $785 each year to insure their Impreza, but that amount is an approximation using a 50-year-old married male driver with full comprehensive and collision coverage and $250 deductibles.
It’s highly likely you’re not a 50-year-old male, possibly single instead of married, or maybe you live in a different area as the quoted rates. Car insurance coverage is unique to each driver, so this is why the best method for finding affordable rates for your Subaru is to do the rate comparisons yourself.
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Your vehicle’s trim level impacts the cost of insurance, so the price you pay to insure a Impreza 2.5I 4WD Station Wagon model will be $200 less than the price to insure the higher-priced Impreza WRX STI 4WD Station Wagon model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $160 | $242 | $256 | $16 | $76 | $750 | $63 |
| Impreza 2.5I 4WD Station Wagon | $160 | $242 | $256 | $16 | $76 | $750 | $63 |
| Impreza Outback Sport 4WD Station Wagon | $160 | $294 | $256 | $16 | $76 | $802 | $67 |
| Impreza 2.5I AWD 4-Dr | $182 | $294 | $256 | $16 | $76 | $824 | $69 |
| Impreza 2.5I Premium Package AWD 4-Dr | $182 | $348 | $256 | $16 | $76 | $878 | $73 |
| Impreza WRX 4WD Station Wagon | $182 | $348 | $256 | $16 | $76 | $878 | $73 |
| Impreza 2.5 GT 4WD Station Wagon | $202 | $348 | $256 | $16 | $76 | $898 | $75 |
| Impreza WRX AWD 4-Dr | $202 | $400 | $256 | $16 | $76 | $950 | $79 |
| Impreza 2.5I GT AWD 4-Dr | $202 | $400 | $256 | $16 | $76 | $950 | $79 |
| Impreza WRX STI 4WD Station Wagon | $202 | $400 | $256 | $16 | $76 | $950 | $79 |
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in vehicle garaging location which can revise premium rates greatly.
Finding a high-quality insurance provider is difficult considering how many choices you have in Kansas City. The ranking information shown below can help you analyze which insurers to look at purchasing coverage from. These ratings are for companies that insure vehicles across America, so companies that may only write in Missouri are not factored into the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
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Data Source: Insure.com Best Car Insurance Companies
Rate comparison of full coverage and liability-only
Paying a lower price for auto insurance is the goal of most vehicle owners, and one way to find cheaper insurance for a Subaru Impreza is to only buy liability insurance. The chart below shows the difference between car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Missouri. The costs are based on no claims, a clean driving record, $250 deductibles, single marital status, and no additional discounts are factored in.
If we average all the age groups together, comprehensive and collision coverage on your policy costs an extra $1,958 per year over and above liability only. That brings up the question if paying for full coverage is a waste of money. There isn’t a written rule that works best for making the decision to drop full coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
Low rates today, overpriced tomorrow
Missouri auto insurance rates are based on many factors which can substantially decrease or increase the price you have to pay. Simply improving your credit, filing a claim, or getting a driving violation may generate price changes resulting in some rates now being more affordable than before.
And not only may your rating factors change, but insurance companies change the rates they charge in Missouri every year or even multiple times each year to help ensure profitability. Significantly higher claims can result in rate increases, while a profitable period can produce cheaper Impreza insurance rates.
For example, the chart below shows the company with the cheapest car insurance in Kansas City, MO for a 45-year-old male driver with no prior claims, no tickets, and a high credit rating. Based on his current risk factors, USAA offers the most affordable car insurance rates in Kansas City at $809 per year. This is $453 less than the average policy premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners round out the rest of the most affordable Kansas City, MO auto insurance companies.
In this next rate comparison, we will give the driver from the first example a couple of claims, a lower credit rating, and an imperfect driving record. Because every insurance company has a different formula to set premium rates, analyzing rates may now present a substantially altered list of affordable companies as shown below.
MO Farm Bureau now has the cheapest price in Kansas City with Nationwide, Farmers, The Hartford, and Cameron Mutual also being competitive. This example illustrates why consumers need to take the time to shop around to find the most economical auto insurance rates for a Subaru Impreza.
Rates are impacted by many risk factors and can change substantially, so the most economical option two years ago may now not even be in the top five.