Is a Subaru Impreza expensive to insure?

In most cases, no — the Subaru Impreza is not typically expensive to insure when compared with many compact sedans. Premiums hinge on factors like driver profile, location, coverage levels, and the specific model year, but the Impreza’s strong safety record and relatively reasonable repair costs often keep costs moderate.

What drives Impreza insurance costs

Insurance premiums for the Impreza depend on several core factors. The following list highlights the main drivers you should consider when estimating your costs:

• Model year and current market value


• Frontal-offset crash ratings, overall safety scores, and driver-assistance features


• Drivetrain and powertrain specifics (all-wheel drive is standard on many trims, which can affect repair costs and risk)


• Repair costs, parts availability, and maintenance history


• Theft risk and overall risk profile in your area


• Driver demographics, age, record, credit history where allowed, and location


• Chosen coverage levels, deductibles, and any available discounts

Understanding these factors helps you compare quotes and estimate your potential premium for a Subaru Impreza.

Cost ranges for typical scenarios

Below are illustrative ranges for well-qualified drivers in common situations. Actual quotes will vary by state, insurer, and personal factors.

• Typical full-coverage premium for a clean-record driver in a low-risk area: about $1,100–$1,500 per year


• In higher-cost states or with young drivers or poorer credit: roughly $1,800–$2,800 per year


• Used or older Impreza models (lower replacement value): often $800–$1,400 per year


• Drivers with recent accidents or violations: $2,000–$4,000+ per year

These ranges illustrate how depreciation, safety features, and risk factors influence premiums. For precise numbers, request quotes based on your personal profile and location.

Safety features, model-year choices, and how they affect rates

Subaru’s EyeSight driver-assist tech and other safety features are designed to reduce crash risk, and they can influence insurance costs. The impact varies by insurer, policy type, and the exact trim you choose.

EyeSight and safety technology

EyeSight-equipped Imprezas may qualify for discounts or lower premiums with some insurers because the technology can mitigate crash risk. Availability and discount levels depend on your state, carrier rules, and whether the feature is factory-installed or added through a policy rider.

Model-year depreciation and coverage considerations

Newer Imprezas carry higher replacement values, which can raise premium components tied to collision and comprehensive coverage. As the car ages and value declines, those components may drop, potentially reducing premiums. Liability coverage, which protects others, remains a constant factor influenced by your driving history and location.

Tips to save on Impreza insurance

Implementing smart choices can help you lower your premium without sacrificing needed protection. Consider these strategies:

• Shop around and compare quotes from multiple insurers to find the best rate for your profile


• Bundle auto with other policies (home, renters, or life) when available


• Choose a higher deductible to reduce annual premiums, while staying comfortable with potential out-of-pocket costs


• Take advantage of safety feature discounts (EyeSight, anti-theft devices, telematics programs)


• Maintain a clean driving record and consider telematics-based discounts that reward safe driving


• Keep annual mileage reasonable and consider pay-per-mile options if available


• Ask about regional or occupation-based discounts you might qualify for

By proactively managing these factors, you can typically reduce annual costs over time while maintaining appropriate coverage for your needs.

Summary

Overall, insuring a Subaru Impreza is not inherently expensive relative to many peers in the compact sedan class. Premiums depend on model year, safety features, driving history, location, and chosen coverage. The Impreza’s solid safety record and standard AWD (in many trims) can work in its favor with insurers, but exact prices vary widely. The best approach is to shop around, leverage available discounts, and tailor coverage to your risk tolerance and budget.

What are the negatives of Subaru Impreza?

Common problems with the Subaru Impreza include engine issues, sudden and abrupt acceleration, transmission failure, and air bag problems. The 2008 and 2012 models of the Subaru Impreza should be avoided, but the rest have generally good reliability.

Why is Subaru insurance so high?

The model and age of your Subaru can affect your insurance rates because different models have different safety ratings, repair costs, and theft rates. Newer or more expensive Subaru models will generally have higher insurance rates due to their higher risk of accidents or theft.

Which Subaru is the cheapest to insure?

The Subaru Forester is generally the cheapest Subaru model to insure, with an average annual cost around $1,137$ 1 comma 137$1,137 to $1,305$ 1 comma 305$1,305. Other models like the Outback and Crosstrek are also relatively affordable, but the Forester often has the lowest premiums due to its strong safety ratings and lower claim frequency.
 
Cheapest Subaru models to insure

• Subaru Forester: Frequently cited as the cheapest Subaru to insure, with average annual premiums around $1,137$ 1 comma 137$1,137 to $1,305$ 1 comma 305$1,305. 
• Subaru Outback: Also has low insurance costs, with average annual premiums of around $1,427$ 1 comma 427$1,427 to $1,748$ 1 comma 748$1,748. 
• Subaru Crosstrek: Another affordable option, with an average annual insurance cost of around $1,469$ 1 comma 469$1,469 to $1,897$ 1 comma 897$1,897. 

Factors influencing insurance cost

• Safety features: Subaru's standard safety features and high safety ratings help lower premiums. 
• Vehicle age: Newer models may have lower insurance costs due to updated safety technology and potentially lower repair costs. 
• Driver profile: Your age, driving record, location, and credit score will all significantly impact your final premium. 

How to find the cheapest rate for you

• Shop around: Compare quotes from multiple insurance providers to find the best rate.
• Ask about discounts: Ask about discounts for safety features, bundling policies, or other available savings.
• Get specific quotes: The best way to know for sure is to get a personalized quote based on your specific vehicle and personal information. 

How much is insurance on a 2025 Subaru Impreza?

The average annual insurance cost for a 2025 Subaru Impreza is $1,310. However, USAA offers the cheapest rates, averaging $1,053 per year.