How Much Does Insurance Cost for a Subaru Impreza in West Virginia?

When writing about shopping for auto insurance, the word affordable really shouldn’t be used anywhere to describe car insurance prices. It’s just reality that cheap car insurance for a Subaru Impreza is not easy to find. We’ll try to make it up to you, because we will show you how you can quote coverage that is easier on your budget.

Finding cheap insurance for a Subaru Impreza in West Virginia depends on many rating criteria like whether you are a new or experienced driver, what you do for a living, and blemishes on your driving record. Drivers pay an average of $1,540 every 12 months to insure their Impreza, but that price is a valuation that rates a 40-year-old single male driver that has full coverage including both comprehensive and collision and $100 policy deductibles.

Most likely you’re not a 40-year-old male, married instead of single, and maybe your Impreza is older and does not require full coverage. Using even a minor difference in policy rating criteria or coverages can result in a large change in the cost of insurance.

Auto insurance is unique to every driver, so your best chance at finding affordable rates for your Subaru is to make a habit of regularly comparing rates from other companies.

Insure Your Subaru for Less

Your vehicle’s trim level tends to have a direct impact on the annual cost of coverage, so the rate you will pay to insure a Impreza 2.5I 4WD Station Wagon model will cost $430 less than the price to insure the higher-end Impreza WRX STI 4WD Station Wagon trim level, as demonstrated by the prices below.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and West Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in specific location information which can modify price quotes considerably.

Insuring your vehicle with the right insurance company can be challenging considering how many companies sell insurance in West Virginia. The information listed below could help you analyze which companies to look at shopping prices with. These ratings only include companies that insure vehicles across America, so companies that have a smaller presence will not be included in these rankings.

Top 10 Large Auto Insurers in West Virginia Ranked by A.M. Best Rating

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

Top 10 Large Auto Insurers in West Virginia Ranked by Value

1. AAA Insurance
2. American Family
3. Safeco Insurance
4. The Hartford
5. Progressive
6. Erie Insurance
7. 21st Century
8. Titan Insurance
9. Esurance
10. The General

Top Companies for Subaru Impreza Insurance in West Virginia

Rate increases following a ticket or accident

The best way to maintain cheap insurance for a Subaru Impreza in West Virginia is to drive carefully and avoid accidents and violations. The diagram below highlights how traffic violations and accidents can influence annual premium costs for different ages of insureds. The costs are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

In the previous example, the average cost of an auto insurance policy in West Virginia per year with no violations or accidents is $2,300. Receive one speeding ticket and the average cost increases to $2,637, an increase of $338 each year. Now get one accident along with the one speeding ticket and the annual cost of insurance for a Subaru Impreza increases to an average of $3,600. That’s an increase of $1,301, or $108 per month, just for not keeping your driving record clean!

Discount West Virginia car insurance rates

Car insurance companies that offer cheap insurance for a Subaru Impreza in West Virginia may also provide price discounts that can lower rates by 30% or more if you can meet the requirements. Large insurance companies and a summarized list of policyholder discounts can be found below.

The information below shows the difference between insurance rates with and without discounts being applied to the rates. The data assumes a male driver, no driving violations, no at-fault accidents, West Virginia state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with accident-free, anti-theft, multiple policy, multiple vehicle, safe-driver, and marriage discounts applied. When these discounts are applied, the average amount saved each year on insurance for a Subaru Impreza is % or $.

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

If you want reliable insurance for an Impreza in West Virginia, four companies to consider are Progressive, State Farm, Geico, and Allstate. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a unique set of features, discounts, and options that add value to each policy. The data below breaks down price and claims rank as well as some different options that are available for policyholders.