Buying cheaper auto insurance for a Subaru Impreza in Colorado relies on an enormous amount of factors such as annual vehicle mileage, your claims history, and citations on your driving record. Drivers in Colorado pay on average $1,303 a year to insure their Impreza, but that price is an estimate calculated using a 30-year-old single female driver with full coverage and $500 deductibles.
This brings up the issue that more than likely you’re not a 30-year-old female, maybe you are married instead of single, and you need different coverage limits than the sample rates. Everone’s needs are different, and this illustrates why the only real way to find affordable rates for your Subaru is to just take the time to compare rates yourself. To start saving now, get free quotes and you will get price quotes from some of the best insurers that sell coverage in Colorado.
The trim level of your vehicle impacts the annual cost of coverage, so the rate you will pay to insure a Impreza 2.5I 4WD Station Wagon model will cost $308 less than the insurance cost for the fancier Impreza WRX STI 4WD Station Wagon model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Impreza 2.5I 4WD Station Wagon||$244||$372||$474||$28||$142||$1,260||$105|
|Impreza 2.5I 4WD Station Wagon||$244||$372||$474||$28||$142||$1,260||$105|
|Impreza Outback Sport 4WD Station Wagon||$244||$454||$474||$28||$142||$1,342||$112|
|Impreza 2.5I AWD 4-Dr||$276||$454||$474||$28||$142||$1,374||$115|
|Impreza 2.5I Premium Package AWD 4-Dr||$276||$534||$474||$28||$142||$1,454||$121|
|Impreza WRX 4WD Station Wagon||$276||$534||$474||$28||$142||$1,454||$121|
|Impreza 2.5 GT 4WD Station Wagon||$308||$534||$474||$28||$142||$1,486||$124|
|Impreza WRX AWD 4-Dr||$308||$616||$474||$28||$142||$1,568||$131|
|Impreza 2.5I GT AWD 4-Dr||$308||$616||$474||$28||$142||$1,568||$131|
|Impreza WRX STI 4WD Station Wagon||$308||$616||$474||$28||$142||$1,568||$131|
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can modify prices noticeably.
Comparing rates for reasonably-priced insurance is hard enough, and determining which insurers offer the best car insurance rates for a Subaru Impreza involves even more perseverance. Each insurance company has their own process to establish rates, so let’s begin by examining the car insurance companies with the overall best prices in Aurora.
It’s important to know that Aurora, CO car insurance rates are influenced by many factors that will increase or decrease the cost of having a policy. Events like a birthday, buying another vehicle, or getting a ticket for running a stop sign can produce rate changes that can now make some companies more expensive than others.
Find the Cheapest Auto Insurance for Your Impreza
|Rank||Company||Cost Per Year|
|14||Colorado Farm Bureau||$1,576|
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The Hartford may have some of the lowest car insurance rates in Aurora at around $859 per year. This is $719 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, GEICO, and Nationwide would also make the list of some of the more affordable Aurora, CO auto insurance companies.
In this example, if you are a policyholder with USAA and switched to The Hartford, you could realize a yearly savings of upwards of $140. Insureds with GEICO may save as much as $282 a year, and Nationwide customers might lower prices by $284 a year.
To find the cheapest coverage for you, click here to start your free quote or click through to the companies below.
Remember that these rates are averages for all drivers and vehicles and do not take into consideration an exact location for a Subaru Impreza. So the auto insurance company that fits your age and vehicle best may not even be in the list above. That is why you need to get rate quotes from many companies using your own specific driver and vehicle information.
Drive safe and save
In a perfect world, the ideal way to earn the most affordable car insurance premiums in Aurora for an Impreza is to be a good driver and not receive tickets or have accidents. The information below shows how speeding tickets and at-fault fender-benders can influence insurance premiums for different age groups of insureds. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
In the example above, the average cost of car insurance in Colorado per year with a clean driving record and no accidents is $2,616. Factor in two speeding tickets and the average cost jumps to $3,481, an increase of $865 each year. Now add in one accident along with the two speeding tickets and the yearly cost of car insurance for a Subaru Impreza increases to an average of $4,354. That’s an increase of $1,738, or $145 per month, just for not driving carefully!
Cost comparison with and without full coverage
Paying a lower price for car insurance is probably important to most drivers, and one of the quickest ways to lower the cost of insurance for a Subaru Impreza is to not insure for full coverage. The chart below illustrates the difference between yearly insurance costs with full physical damage coverage and with liability coverage only. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no other discounts are factored in.
As an average, comprehensive and collision coverage on your policy costs $1,837 per year more than just insuring for liability. That may make you wonder if paying for full coverage is worth it. There is no definitive guideline to delete full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s say your vehicle’s replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after paying the physical damage deductible. If you are currently paying more than $500 a year for full coverage, then you may need to consider dropping full coverage.
There are some cases where removing full coverage is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not remove full coverage.
The agencies below can probably answer your questions and help you decide which policy is best, since some people prefer to get help from a professional when comparing insurance rates for an Impreza. It’s not always simple to find the best rates on your own, so getting advice from a licensed Colorado insurance agent can give you peace of mind knowing your coverage gives you adequate protection. To find an agent nearest to you, click the link after the list or click here to compare prices now.
Mark Peter State Farm Insurance Agency
12100 E Iliff Ave #104 – Aurora, CO 80014 – (303) 755-3220
Allstate Insurance: Larry Meurisse
1710 S Buckley Rd Unit 6 – Aurora, CO 80017 – (303) 752-1441
Rick Simmons – State Farm Insurance Agent
14571 E Mississippi Ave – Aurora, CO 80012 – (303) 369-4100
A Complete Auto Insurance Agency
543 Sable Blvd – Aurora, CO 80011 – (303) 650-0060
How to find the cheapest car insurance for a Subaru Impreza
Here are some of the better penny-pinching ideas that can help Colorado drivers find lower-cost coverage.
- Do not waste money insuring older vehicles for full coverage
- Avoid accidents
- Earn a discount by not filing claims
- Increase your comprehensive and collision deductibles
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Keep rates low by comparing prices once a year
That last idea is certainly crucial, as was noted in this write-up. Car insurance prices in Aurora can be modified anytime, so don’t be afraid to buy a different policy if you can find a cheaper rate.
Staying with the same car insurance company is fine, but we do not recommend it if that loyalty results in overpaying money that could be spent on other things. It only takes a couple minutes to compare rates and find cheaper insurance for a Subaru Impreza.