Cheap Insurance for a Subaru Impreza in North Carolina

The chances of finding affordable coverage for a Subaru Impreza in North Carolina hinges on a very complex rating algorithm that uses multiple factors like whether you own a home, if you are currently insured, and your policy deductibles. North Carolina drivers pay approximately $970 per year to insure their Impreza, but that rate is an estimate calculated using a 40-year-old single female who requires full comprehensive and collision coverage and $250 deductibles.

It’s highly likely that you may not be 40 years old (or even female), possibly married instead of single, or maybe you prefer liability limits higher than required by North Carolina state law. Changing even a minor factor in the criteria used to calculate rates may result in significant differences in the cost of insurance for a Subaru Impreza.

Everone’s needs are different, and this illustrates why the most reliable way to find cheap insurance prices for your Subaru is to shop around at every renewal for lower rates.

Insure Your Subaru for Less

The trim level of your Subaru impacts the annual cost of coverage, so the price to insure a Impreza 2.5I 4WD Station Wagon model will cost $242 less than the price to insure the higher-end Impreza WRX STI 4WD Station Wagon version, as shown in the table below.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in specific North Carolina garaging location which can decrease or increase price quotes greatly.

How to find a good North Carolina auto insurance company

Ending up with a high-quality insurance provider is difficult considering how many choices you have in North Carolina. The company information shown below may help you analyze which companies you want to consider when looking for cheaper rates.

These ratings are for the companies with a significant amount of written premium nationwide, so companies that only write business in North Carolina or surrounding areas are not taken into consideration for the list. If you’d like to compare prices from the insurers below and more, click this link.

Top 10 Large Auto Insurance Companies in North Carolina Ranked by A.M. Best Rating

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

Top Companies for Subaru Impreza Insurance in North Carolina

Driving violations and accidents

The easiest way to find affordable auto insurance premiums for an Impreza is to be a cautious driver and avoid accidents and keep your driving record clean. The illustration below demonstrates how traffic citations and accidents can affect auto insurance rates for different age groups. The rates are based on a married male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

The data in the chart shows the average cost of car insurance per year with a clean driving record and no accidents is $1,191. Get one speeding ticket and the average cost increases to $1,368, an increase of $177 each year. Now add in two accidents along with the one speeding ticket and the annual cost of auto insurance for a Subaru Impreza goes up to an average of $2,959. That’s an increase of $1,768, or $147 per month, just for being a little careless behind the wheel!

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

If you are shopping around for insurance for an Impreza, the first places to look would be Allstate, Geico, State Farm, and Progressive. When added together, they insure about half of all policies written in the United States. They all have a distinct set of features and optional coverages that drivers can select from. The following table ranks price and claims rank as well as some different options that are available.

Find cheap insurance for a Subaru Impreza in North Carolina

The list below shows some of the recommended money-saving ideas that can help North Carolina drivers quote more affordable car insurance.

• Increase physical damage deductibles
• Do not insure for full coverage
• Good credit can help you save money
• Safer vehicles cost less to insure
• Drive safely
• Accidents can significantly increase rates
• Comparison shop at least once a year

That last piece of advice is notably valuable, as we stressed in the article above. Rates adjust often, so don’t be unwilling to buy a different policy if you find a better deal.

Brand loyalty is great, but it’s not a good idea if that devotedness results in you overpaying thousands of dollars over several years. In just a couple of minutes you could compare prices and find cheaper car insurance for a Subaru Impreza.

Cheap Subaru Impreza insurance quotes

You have a lot of ways to compare auto insurance quotes in North Carolina, but the most common ways are from a captive (or exclusive) agency like Liberty Mutual or State Farm, an independent or non-exclusive agent, or buying direct from a company like Progressive or Geico. Each way has the same basic steps, but it’s good to know the differences in how they price policies.

Independent agencies have contracts with multiple insurance companies and can compare coverage rates with each one. They can compare multiple rates, which can give you improved chances of finding a lower rate. If you are not satisfied with one company, your policy can be easily switched to a different company without you having to go to a different agency.

A captive or exclusive agent is usually just provide rates from a single insurance company, two examples being Liberty Mutual and Allstate agents. Exclusive agents cannot provide rates from more than one company, so always compare other rates.

The final way is buying direct, which means you bypass either of the other two types of agents and instead shop buying direct from a company like Geico or Progressive. Shopping for auto insurance direct is good for families who do not need complex risk management and understand what coverages they need.

Which way works best to buy cheap insurance for a Subaru Impreza in North Carolina? Our initial answer would be shopping direct results in the best prices since no commissions are paid to an agent, but unfortunately, that is not the case. A good argument could also be made that buying auto insurance from an independent agent guarantees the lowest rates since there are more companies to choose from, but that idea is not necessarily true either. And sometimes, exclusive agents have price quotes that are the cheapest.

Because of the variability of auto insurance rates, really the best method to ensure the lowest rates is to compare lots of quotes. Put in the effort to get price quotes from all three to have the best selection of rates to choose from. For a list of companies offering online discounts, click here to view.