Our editors have a joke that when writing about auto insurance, the words cheap or affordable should not be used as a descriptor for auto insurance rates. Sad but true, cheap auto insurance for a Subaru Impreza can be difficult to find. Don’t let that bother you, though, because we can show you some ways you can still find and buy insurance that you can afford.
Whether or not you can find cheap car insurance for a Subaru Impreza in Texas relies on a fairly complex equation with a lot of factors like annual vehicle mileage, the performance level of your vehicle, and any driving offenses on your record. Drivers in Texas on average pay approximately $1,130 each year to insure their Impreza, but that policy rate is based on rate data for a 30-year-old married male driver who purchased both comprehensive and collision coverage and $500 deductibles.
There is a good possibility you are not 30 and possibly not even male, maybe you are single instead of married, and you probably do not live in the same zip code as the example. Changing even a minor factor in the rating criteria used to formulate rates could result in a significant change in the price of a policy.
Every driver has different characteristics, so the most reliable way to find cheap insurance rates for your Subaru is to put in the effort and compare rates.
The trim level of your vehicle tends to have a direct effect on the annual cost of coverage, so the price to insure a Impreza 2.5I 4WD Station Wagon will be $274 lower than the price to insure the more costly Impreza WRX STI 4WD Station Wagon trim level, as shown below.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
Impreza 2.5I 4WD Station Wagon | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
Impreza 2.5I 4WD Station Wagon | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
Impreza Outback Sport 4WD Station Wagon | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
Impreza 2.5I AWD 4-Dr | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
Impreza 2.5I Premium Package AWD 4-Dr | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
Impreza WRX 4WD Station Wagon | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
Impreza 2.5 GT 4WD Station Wagon | $300 | $472 | $382 | $22 | $114 | $1,290 | $108 |
Impreza WRX AWD 4-Dr | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
Impreza 2.5I GT AWD 4-Dr | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
Impreza WRX STI 4WD Station Wagon | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in specific zip code location which can raise or lower coverage rates greatly.
Finding the highest-rated auto insurance provider can be difficult considering how many different insurance companies sell coverage in Texas. The company rank data below may help you select which insurers to look at when shopping around. These rankings are only made up of large insurance companies, so companies that may only write in Texas are not factored into the list.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
American Family | 91 | 86 | 95 | 83% | A | 89.7 |
Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
The General | 86 | 93 | 89 | 84% | A- | 88.2 |
GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
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Data Source: Insure.com Best Car Insurance Companies
Insurance providers that provide cheap insurance for a Subaru Impreza in Texas may additionally offer discounts that could reduce prices by as much as 30% if you are eligible for them. Popular car insurance companies and some of their more popular discounts are included below.
The chart below illustrates the comparison of annual premium costs with and without discounts applied to the premium. The data assumes a female driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with accident-free, multiple vehicle, anti-theft, defensive driving course, vehicle safety, and homeowner discounts applied. When discounts are applied, the the average amount saved on car insurance for a Subaru Impreza is 28% or $538.
google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2871,2061],[‘Age 30’, 1945,1403],[‘Age 40’, 1815,1313],[‘Age 50’, 1589,1145],[‘Age 60’, 1533,1111],[‘Age 70’, 1809,1301]]);var options = {title: ‘Effect of Discounts on Insurance Price for a Subaru Impreza’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Impreza in Texas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}
Texas car insurance rates are impacted by many things that may substantially change the policy premium. Simply turning a year older, buying a new vehicle, or getting a ticket for running a stop sign can trigger rate changes resulting in some companies being cheaper in comparison to the competition. Not only may your risk profile change, but car insurance companies file new rates every year or even multiple times each year in order to be able to pay unexpected claims. Significantly higher losses may result in rate hikes, while long-term profits can result in lower-priced Impreza insurance rates.
The data below analyzes the cheapest car insurance in Texas for a 30-year-old female driver with a good driving record, no prior claims, and great credit. If we look at prices based on her personal risk profile, Travelers has the cheapest car insurance rates in Texas at $1,041 per year. This is $863 less than the average premium paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance are the rest of the best Texas auto insurance companies.
google.charts.setOnLoadCallback(drawTXWitcqcibChart);function drawTXWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Travelers’, 1041, ‘#09836F’],[‘USAA’, 1128, ‘#076D5C’],[‘Germania Mutual’, 1244, ‘#055A4C’],[‘Texas Farm Bureau’, 1247, ‘#044B3F’],[‘Esurance’, 1379, ‘#033E34’]]);var options = {title: ‘Best Cheap Auto Insurance for a Subaru Impreza’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1479,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}
The next chart shows rates after we give the driver from the above example a couple of claims, a lower credit rating, and an imperfect driving record. Because each company uses their own calculation for filing rates in each state, comparing prices may now present a new list of the cheapest companies as shown below.
google.charts.setOnLoadCallback(drawTXWcqcibChart);function drawTXWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Mercury’, 1623.6, ‘#F57E00’],[‘State Farm’, 1644.5, ‘#CC6900’],[‘Nationwide’, 1691.8, ‘#AA5700’],[‘USAA’, 1692, ‘#8D4800’],[‘Safe Auto’, 1756.7, ‘#753C00’]]);var options = {title: ‘Cheapest Rates After Accident/Violation’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1856.7,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}
Mercury now has the cheapest insurance rate in Texas with State Farm, Nationwide, USAA, and Safe Auto also being competitive. This example shows why it is important to shop around to get affordable insurance quotes for a Subaru Impreza. Insurance rates are impacted by many different factors and change frequently, so the best price six months ago may now be one of the higher cost companies.
Below you’ll find some thrifty solutions that can help Texas drivers quote cheaper auto insurance.
That final tip is remarkably crucial, as was pointed out in this article. Auto insurance rates vary greatly, so don’t be afraid to change to a new company if a more affordable price is available.
Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that devotedness results in you overpaying a fortune every year. It takes less than five minutes to shop around to find cheaper insurance for a Subaru Impreza.