Who Has the Cheapest Insurance Quotes for a Subaru Impreza in Iowa?

When the topic is car insurance, the words “affordable” or “cheap” really shouldn’t be used as a descriptor for car insurance rates. Excuse the oxymoron, but cheap auto insurance for a Subaru Impreza just does not exist. Don’t get your dauber down, because we are going to tell you how you can get auto insurance that most people can afford.

Your chances of buying cheap insurance for a Subaru Impreza in Iowa is contingent on factors such as the mileage of your daily commute, where you live, and physical damage deductibles. Iowa drivers pay on average $1,050 each year to insure an Impreza, but that policy rate is rating a 30-year-old single male driver that included full comprehensive and collision coverage and $100 policy deductibles.

There’s a high likelihood you’re not a 30-year-old male, you might be married instead of single, or maybe you just want different deductibles. Car insurance prices are based on the driver profile your best shot at finding the cheapest coverage for your Subaru is to comparison shop your policy at every renewal or at least every couple of years.

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Your Subaru’s trim level will most likely have an effect on the insurance rate, so the price you will be charged to insure a Impreza 2.5I 4WD Station Wagon will be $272 lower than the insurance cost for the higher-priced Impreza WRX STI 4WD Station Wagon version, as shown in the chart below.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Iowa minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price information does not factor in vehicle location which can impact coverage prices considerably.

Finding decent, affordable auto insurance is tough enough, and finding out which companies have the cheapest car insurance rates for a Subaru Impreza will involve a little more work. Each company has their own formula to set premium rates, so let’s rank the car insurance companies with the overall best prices in Iowa.

It’s important that you understand Iowa car insurance rates are based on many factors that can increase the price you have to pay for coverage. Events like turning one year older, buying higher coverage limits, or having a fender bender can trigger rate changes resulting in some companies being cheaper than others.

Best Insurance Companies for Your Impreza

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USAA offers some of the cheapest car insurance rates in Iowa at around $662 a year. Partners Mutual, Allied, Western National, and Hastings Mutual would also make the list of some of the best Iowa car insurance companies.

As the example above demonstrates, if you are currently insured with Allied and switched to USAA, you could realize annual savings of in the neighborhood of $117. Drivers with Western National could save as much as $139 a year, and Hastings Mutual insureds might cut rates by $218 a year.

If you want to see how much you could save, click here to begin a quote or visit several of the following companies.

It’s important to note that these rates are averages for all types of drivers and the different vehicles they drive and are not factoring in a specific rate value for a Subaru Impreza. So the car insurance company that is most affordable for your situation may not even be shown in the list above. That underscores the importance of why you need to get quotes using your own personalized driver profile and vehicle information.

Full coverage rates compared to liability-only

Finding the cheapest insurance for a Subaru Impreza in Iowa is important to the majority of drivers, and one of the easiest ways to lower the cost of insurance is to not pay for full coverage. The information below visualizes the comparison of insurance rates with full physical damage coverage compared to only buying liability only. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are taken into consideration.

As an average, full coverage costs an additional $1,534 per year more than just buying liability only. That raises the question if buying full coverage is a waste of money. There is no specific rule for eliminating physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.

There are some conditions where eliminating full coverage is not recommended. If you still owe money on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not remove full coverage.

How to get the cheapest insurance for a Subaru Impreza in Iowa

The list below shows some of the better penny-pinching suggestions that can help Iowa drivers locate cheap coverage.

• Do not waste money insuring older vehicles for full coverage
• Do not file small claims
• Vehicles with good safety ratings are usually cheaper to insure
• Increase your credit rating
• Buy your auto and home insurance from the same company and save
• Raise your deductibles
• Ensure you have the best deal by shopping around regularly

That last idea is highly important, as we pointed out in this article. Prices charged by auto insurers in Iowa can be adjusted at any time, so drivers shouldn’t be resistant to buy from a new company if a better deal can be had. Staying with the same company for years is fine, but it’s not a great idea if that devotedness results in you overpaying money that could be spent on other things. Now is a great time to compare rates to find cheaper car insurance for a Subaru Impreza.