The Subaru Impreza is a sporty compact car available as a sedan, wagon, coupe, or hatchback. The vehicle first debuted in the U.S. in the early '90s and is still going strong today, with the 2026 Subaru Impreza known for combining performance, safety, and reliability. No matter which type of Subaru Impreza you drive, it needs to be protected with the right car insurance.
When it's time to find the best Subaru Impreza insurance, an independent insurance agent can assist you. These agents know where to get the right Subaru insurance at a great rate. But first, here's a deep dive into how much it costs to insure a Subaru Impreza by model year and top-rated insurance company in 2026.
Key Takeaways - Subaru Impreza Car Insurance
Subaru Impreza insurance costs an average of $1,942 per year, or approximately $162 per month, for full coverage in 2026.
Subaru Impreza insurance costs vary widely by state, with drivers in Wyoming paying an average of only $31 monthly for minimum coverage, while those in Louisiana pay $166.
Progressive, American Family, and USAA are the cheapest carriers for model-year 2025 Subaru Impreza insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Subaru Impreza insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Subaru Impreza model.
What Is Subaru Impreza Insurance?
Subaru Impreza insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a compact car, the Impreza is unlikely to require additional coverage beyond that needed by standard sedans. Further, the Impreza's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Subaru Impreza drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a Subaru Impreza:
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Subaru parts during the repair process.
- Subaru warranty insurance: This can extend Subaru's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Gap insurance: If you have a new or financed Subaru vehicle, this coverage can pay the difference between the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
Working with a local independent insurance agent is a great way to ensure you satisfy your state's minimum auto insurance requirements. Your agent will help you get set up with all the required car insurance for a Subaru Impreza in your state.
How Much Does Subaru Impreza Insurance Cost?
The average cost of car insurance for a Subaru Impreza is $1,942 per year, or approximately $162 per month, for full coverage. Minimum coverage for a Subaru Impreza costs an average of $1,006 annually, or approximately $84 monthly. However, several factors can influence the cost of Subaru insurance, including:
- The specific type of Impreza you drive
- Vehicle safety features
- Your claims history
- Your location
- Your credit score (where allowed)
- Your driving history
- Annual mileage
- The types and amount of coverage you need
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Subaru Impreza full coverage insurance or a basic Subaru Impreza liability insurance policy.
Is the Subaru Impreza Expensive to Insure?
Yes and no. While the Subaru Impreza is slightly more expensive to insure than other Subaru models, it's cheaper than other vehicles in general. The table below compares average auto insurance rates for the Subaru Impreza with those for all Subarus and other cars.
| Vehicle | Average Monthly Cost of Full Coverage |
| Subaru Impreza | $162 |
| All Subarus | $155 |
| All Cars | $175 |
Average Subaru Impreza Insurance Rates Compared to Similar Vehicles
The Subaru Impreza isn't expensive to insure when compared to many other vehicles in its class. The Impreza's average monthly auto insurance rate is quite comparable to that of the Nissan Sentra, the Dodge Magnum, the Infiniti M, and others. The table below compares the Subaru Impreza's average auto insurance premiums to those of similar vehicles in its class.
| Vehicle | Average Monthly Cost of Car Insurance |
| Nissan Sentra | $124 |
| Mercury Marauder | $124 |
| Dodge Magnum | $124 |
| Honda Clarity | $124 |
| Subaru Impreza | $124 |
| Subaru Legacy | $125 |
| Infiniti M | $125 |
| Ford Fiesta | $125 |
Subaru Impreza Insurance Costs by Model Year
Next, we'll break down several model years of the Subaru Impreza and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Subaru Impreza* | $1,425 |
| 2025 Subaru Impreza | $1,310 |
| 2024 Subaru Impreza | $1,382 |
| 2023 Subaru Impreza | $946 |
| 2022 Subaru Impreza | $843 |
| 2021 Subaru Impreza | $826 |
| 2020 Subaru Impreza | $833 |
| 2019 Subaru Impreza | $819 |
| 2018 Subaru Impreza | $481 |
| 2017 Subaru Impreza | $637 |
| 2016 Subaru Impreza | $573 |
| 2015 Subaru Impreza | $594 |
| 2014 Subaru Impreza | $511 |
| 2013 Subaru Impreza | $787 |
| 2012 Subaru Impreza | $768 |
| 2011 Subaru Impreza | $521 |
| 2010 Subaru Impreza | $602 |
*Note: The 2026 Impreza's average rate is a projection based on the evaluation of inflation trends and current market data.
Cheapest Subaru Impreza Car Insurance Companies for 2026
You can find highly affordable Subaru Impreza insurance from many different carriers. These top-rated Subaru car insurance companies provide the cheapest model-year 2025 Impreza insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,458 |
| American Family | $1,593 |
| USAA | $1,608 |
| Nationwide | $1,685 |
| Erie | $2,111 |
| Allstate | $3,433 |
Subaru Impreza Car Insurance Rates by State
Location is a major factor that affects car insurance premium calculations. Here are some average auto insurance rates for the Subaru Impreza by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $69 | $130 |
| Alaska | $59 | $125 |
| Arizona | $99 | $185 |
| Arkansas | $65 | $145 |
| California | $81 | $164 |
| Colorado | $79 | $188 |
| Connecticut | $116 | $199 |
| Delaware | $115 | $194 |
| Florida | $106 | $243 |
| Georgia | $121 | $199 |
| Hawaii | $45 | $100 |
| Idaho | $45 | $92 |
| Illinois | $76 | $143 |
| Indiana | $53 | $104 |
| Iowa | $44 | $107 |
| Kansas | $58 | $136 |
| Kentucky | $104 | $176 |
| Louisiana | $166 | $354 |
| Maine | $42 | $86 |
| Maryland | $124 | $208 |
| Massachusetts | $83 | $175 |
| Michigan | $122 | $234 |
| Minnesota | $68 | $140 |
| Mississippi | $71 | $140 |
| Missouri | $98 | $194 |
| Montana | $59 | $141 |
| Nebraska | $59 | $135 |
| Nevada | $148 | $266 |
| New Hampshire | $58 | $102 |
| New Jersey | $136 | $224 |
| New Mexico | $68 | $151 |
| New York | $100 | $180 |
| North Carolina | $65 | $128 |
| North Dakota | $48 | $105 |
| Ohio | $62 | $120 |
| Oklahoma | $73 | $163 |
| Oregon | $101 | $176 |
| Pennsylvania | $70 | $163 |
| Rhode Island | $104 | $185 |
| South Carolina | $86 | $161 |
| South Dakota | $43 | $131 |
| Tennessee | $64 | $130 |
| Texas | $103 | $212 |
| Utah | $90 | $153 |
| Vermont | $37 | $87 |
| Virginia | $79 | $127 |
| Washington | $77 | $142 |
| West Virginia | $71 | $144 |
| Wisconsin | $52 | $115 |
| Wyoming | $31 | $95 |
Average Subaru Impreza Insurance Rates by Trim Level
Auto insurance costs for the Subaru Impreza are also affected by each vehicle's specific trim level. Here are some average Subaru Impreza insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| L Sedan 4d | $53 | $102 |
| L Coupe 2d | $54 | $104 |
| L Sport Wagon 4d | $57 | $109 |
| 2.5RS Coupe 2d | $61 | $117 |
| 2.0i Sport Limited Wagon 4d | $64 | $124 |
| 2.0i Premium Wagon 4d | $67 | $129 |
| 2.0i Sport Premium Wagon 4d | $68 | $131 |
| WRX TR Sedan 4d | $69 | $133 |
| 2.0i Premium Sedan 4d | $69 | $133 |
| 2.0i Sedan 4d | $72 | $139 |
| WRX Sport Wagon 4d | $72 | $139 |
| 2.0i Wagon 4d | $74 | $143 |
| WRX Sedan 4d | $75 | $145 |
| 2.0i Limited Wagon 4d | $76 | $147 |
| 2.0i Limited Sedan 4d | $76 | $147 |
| WRX Premium Sport Wagon 4d | $78 | $150 |
| WRX STI Wagon 4d | $78 | $152 |
| WRX Premium Sedan 4d | $80 | $153 |
| 2.0i Sport Sedan 4d | $80 | $155 |
| WRX STI Sedan 4d | $81 | $157 |
| 2.5TS Sport Wagon 4d | $81 | $156 |
| 2.5RS Sedan 4d | $81 | $156 |
| WRX STI Limited Sedan 4d | $81 | $158 |
| WRX STI Limited Sedan 4d | $82 | $159 |
| WRX Limited Sport Wagon 4d | $82 | $159 |
| WRX Limited Sedan 4d | $82 | $159 |
| 2.0i Sport Wagon 4d | $83 | $160 |
| WRX STI Sport Wagon 4d | $84 | $163 |
| WRX Limited Wagon 4d | $85 | $165 |
| WRX STI Sedan 4d | $85 | $165 |
| Impreza | $86 | $168 |
| WRX Wagon 4d | $87 | $168 |
| WRX Premium Wagon 4d | $87 | $169 |
| WRX STI Special Edition Sport Wagon 4d | $88 | $170 |
| Sedan 4d | $88 | $171 |
| Outback Sport Wagon 4d | $89 | $172 |
| Wagon 4d | $90 | $175 |
| Sport | $93 | $180 |
| Outback Sport Special Edition Wagon 4d | $93 | $180 |
| Premium Sedan 4d | $95 | $184 |
| 2.5GT Sedan 4d | $95 | $183 |
| 2.5RS Sport Wagon 4d | $96 | $185 |
| 2.5GT Sport Wagon 4d | $99 | $191 |
| Premium Wagon 4d | $101 | $196 |
| Sport Wagon 4d | $102 | $197 |
| RS | $103 | $200 |
| 2.5i Premium Wagon 4d | $106 | $204 |
| Limited Wagon 4d | $106 | $206 |
| Outback Sport Special Edition Sport Wagon 4d | $108 | $207 |
| 2.5i Sport Wagon 4d | $112 | $214 |
| Sport Sedan 4d | $114 | $220 |
| 2.5i Sedan 4d | $115 | $221 |
| 2.5i Premium Sedan 4d | $117 | $225 |
| 2.5i Premium Sport Wagon 4d | $123 | $236 |
| Limited Sedan 4d | $128 | $247 |
Average Subaru Impreza Insurance Rates by Driver Age and Profile
Your age, credit, and driving history can also influence car insurance rates. Teens and young drivers pay the highest average insurance rates for a Subaru Impreza. Auto insurance premiums tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, car insurance rates begin to climb through their senior years. Here are some average Subaru Impreza insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $4,690 | $6,890 | $8,050 |
| 20 | $3,620 | $5,340 | $6,200 |
| 25 | $2,120 | $3,150 | $3,700 |
| 30 | $1,640 | $2,440 | $2,820 |
| 35 | $1,530 | $2,280 | $2,640 |
| 40 | $1,490 | $2,200 | $2,570 |
| 45 | $1,430 | $2,120 | $2,500 |
| 55 | $1,340 | $1,930 | $2,260 |
| 65 | $1,400 | $2,050 | $2,380 |
| 75 | $1,780 | $2,590 | $3,040 |
Best Subaru Impreza Insurance Discounts: How to Lower Your Subaru Impreza Insurance Premiums
Looking to save the most money possible on Subaru Impreza car insurance? You're in the right place. Just try any of these easy strategies to potentially increase your auto insurance savings today:
- Ask about telematics programs: Your insurance company or Subaru may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Subaru Impreza insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Compare quotes from multiple carriers: Comparing Subaru Impreza insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Subaru Impreza insurance from a trusted carrier near you.
Local independent insurance agents know which carriers offer the most affordable Subaru Impreza insurance and the best discounts. They can also recommend additional ways you can reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Subaru Impreza Insurance Quotes
When it's time to find the most affordable Subaru Impreza insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Subaru Impreza insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Subaru Impreza Insurance
How much does Subaru Impreza insurance cost per year?
The average annual cost of full coverage for a Subaru Impreza is $1,942 per year, or approximately $162 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Subaru Impreza insurance premiums?
If you've filed car insurance claims in the past, have poor credit, live in a high-theft rate area, or have been in an accident, you might experience higher Subaru Impreza insurance rates.
Is the Subaru Impreza expensive to insure?
No, the Subaru Impreza isn't expensive to insure when compared to similar vehicles in its class, including the Nissan Sentra and the Ford Fiesta.
What are the best and cheapest carriers for Subaru Impreza insurance in 2026?
We found that Progressive, American Family, and USAA are the best and cheapest car insurance companies for model-year 2025 Subaru Impreza insurance this year.
Is insurance cheaper for the Subaru Impreza than for other Subarus?
No, the Impreza's average monthly car insurance rate of $162 is slightly higher than the $155 average for other Subaru vehicles.
How can I get cheaper Subaru Impreza insurance?
Finding cheaper Subaru Impreza insurance is easy when you work with an independent insurance agent who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/subaru-impreza-insurance/
https://www.insuranceopedia.com/auto-insurance/subaru-impreza-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/subaru/impreza/