How Much is Insurance for a Subaru Impreza in North Dakota?

Your odds of finding cheaper insurance for a Subaru Impreza in North Dakota is dependent upon many rating criteria like annual miles driven, your geographic location, and your choice of deductibles. North Dakota drivers pay around $900 each year to insure an Impreza, but that figure is using rate data for a 30-year-old married male that includes full comprehensive and collision coverage and $500 deductibles.

There’s a high likelihood you’re not a 30-year-old male, possibly single instead of married, and maybe you want different deductibles. What seems to be a small difference in quote information can precipitate large changes in rates.

Insurance is an individual thing, so the best way to quote cheap insurance rates for your Subaru is to shop your policy around every couple of years. In just a couple of minutes you will be able to see rates from some of the cheapest companies that insure Subaru vehicles in North Dakota.

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The trim level of your Subaru tends to have a direct effect on price, so the price you will be charged to insure a Impreza 2.5I 4WD Station Wagon trim level will be $220 less than the insurance cost for the high end Impreza WRX STI 4WD Station Wagon model, as shown in the table below.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can modify coverage prices substantially.

Figuring out which company has the cheapest auto insurance rates for a Subaru Impreza calls for more work than just comparing a company or two. Each auto insurance company has a proprietary method to determine premium rates, so let’s take a look at the lowest cost auto insurance companies in North Dakota.

It’s a good idea to know that North Dakota auto insurance rates are based on many factors which can substantially change the price you have to pay. Turning one year older, buying another vehicle, or getting a ticket for careless driving can cause premium changes that can cause some rates to be cheaper than before.

Best Auto Insurance Prices for Your Impreza

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USAA normally has some of the lowest car insurance rates in North Dakota at around $732 per year. Allied, Nodak Mutual, Grinnell, and State Farm would also make the list of some of the cheaper North Dakota car insurance companies.

As shown in the table above, if you currently have coverage with Grinnell and switched to USAA, you could realize yearly savings of upwards of $307. Drivers with State Farm may save as much as $422 a year, and Safeco insureds might reduce rates by $424 a year.

Bear in mind that those estimates are averaged across all ages of drivers and types of vehicles and are not factoring in a specific rating modification for a Subaru Impreza. So the auto insurance company that fits your situation best may not even be in the above rate chart. That’s why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.

The example below demonstrates how deductibles can change insurance prices when trying to find cheap insurance for a Subaru Impreza. The premiums are based on a single male driver, full physical damage coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4247,3823,3367,2933],[‘Age 30’, 2161,1969,1741,1525],[‘Age 40’, 2171,1963,1729,1503],[‘Age 50’, 1967,1781,1569,1371],[‘Age 60’, 1899,1721,1519,1329],[‘Age 70’, 2281,2075,1849,1635]]);var options = {title: ‘Effect of Deductibles on Subaru Impreza Insurance Rates in North Dakota’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Impreza’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The data above shows that a 50-year-old driver could reduce rates by $398 a year by switching from a $100 deductible up to a $500 deductible, or save $596 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old category, can cut as much as $1,314 or even more just by choosing larger deductibles.

If you make the decision to raise deductibles, it is a good idea to have additional savings on hand to be able to cover the extra out-of-pocket expense that is associated with using high deductibles.

Discounts on cheap insurance for a Subaru Impreza in North Dakota

Car insurance companies that provide policies for a Subaru Impreza may have price discounts that could potentially reduce rates by as much as 25% or more if you are eligible for them. Large auto insurance companies and a summarized list of policyholder discounts include:

The diagram below illustrates the comparison of car insurance costs with and without discounts applied to the premium. The premium estimates are based on a male driver, no violations or claims, North Dakota state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with passive restraint, marriage, multiple policy, accident-free, safe-driver, and defensive driving course discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for a Subaru Impreza is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3947,2847],[‘Age 30’, 2045,1491],[‘Age 40’, 2037,1483],[‘Age 50’, 1845,1343],[‘Age 60’, 1783,1293],[‘Age 70’, 2139,1543]]);var options = {title: ‘Insurance Rate Comparison with Discounts 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: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Impreza’,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);}