Best Cheap Insurance for a Subaru Impreza in Pennsylvania

The chances of buying affordable coverage for a Subaru Impreza in Pennsylvania is dependent upon a lot of different factors such as the safety features built into your vehicle, your occupation, and violations on your driving record. Drivers in Pennsylvania will pay on average $870 per year to insure an Impreza, but that policy rate is a ballpark figure using rate data for a 50-year-old single female driver that wants comprehensive and collision coverage and $1,000 deductibles.

It’s more than likely that you are not 50 and maybe not even a female, you might be married instead of single, and maybe you want different deductibles. What seems to be a minor change in policy rating variables can generate big changes in how much coverage for a Subaru Impreza costs.

Every driver has different characteristics, so the best way to find the cheapest insurance price for your Subaru is to compare as many rates as possible.

View Subaru Impreza Insurance Rates

The specific model of Impreza will have an impact the cost of coverage, so the price you will pay to insure a Impreza 2.5I 4WD Station Wagon model will be $174 less expensive the insurance cost for the higher-priced Impreza WRX STI 4WD Station Wagon model, as shown in the chart below.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rates do not factor in specific Pennsylvania garaging location which can raise or lower coverage rates substantially.

Choosing a high-quality insurer can be a challenge considering how many companies provide coverage in Pennsylvania. The company rank data in the next section may help you pick which providers to look at shopping prices with. The rankings below are only made up of companies with a nationwide focus, so companies that may only write in Pennsylvania are not factored into the list.

Top 10 Large Car Insurance Companies in Pennsylvania Ranked by Customer Service

1. Titan Insurance
2. The Hartford
3. American Family
4. Progressive
5. USAA
6. Travelers
7. State Farm
8. GEICO
9. Erie Insurance
10. Allstate

Top 10 Large Car Insurance Companies in Pennsylvania Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Nationwide – A+
7. Esurance – A+
8. Erie Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Top Companies for Subaru Impreza Insurance in Pennsylvania

Full coverage versus liability only rates

Finding the best cheap insurance for a Subaru Impreza in Pennsylvania should be important to most people, and one of the quickest ways to save on the cost of insurance is to only buy liability insurance. The illustration below compares insurance premiums when comparing full coverage to liability only. The price estimates are based on a clean driving record, no claims, $100 deductibles, drivers are not married, and no additional discounts are factored in.

If we average the cost for all age groups, physical damage coverage on your policy costs an additional $2,072 per year more than carrying just liability coverage. Many drivers may wonder if buying full coverage is worth the money. There is no written rule to eliminate physical damage coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than around 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s say your vehicle’s replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $8,000 after the deductible is paid. If it’s costing in excess of $800 a year for your policy with full coverage, then you might want to think about dropping full coverage.

Progressive, Allstate, Geico, or State Farm: Which is best?

If you want the best insurance for an Impreza, four companies to take a look at are Progressive, Allstate, Geico, and State Farm. The next table points out ratings for price and service, as well as some optional coverages that policyholders can buy.