Car Insurance Rate Quotes for a Subaru Impreza in San Antonio

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Subaru Impreza insurance
Subaru Impreza insurance image courtesy of QuoteInspector.com

Insurance rates Subaru Impreza in San AntonioFeel like you're a prisoner to an under-performing, overpriced insurance policy? Trust us, you're not alone.

It's a known fact that auto insurance companies want to keep you from comparing rates. Insureds who shop for lower prices will most likely buy a different policy because there is a good chance of finding a lower-cost company. A recent survey revealed that drivers who made a habit of comparing rates saved as much as $3,500 over four years compared to policyholders who never shopped around for cheaper prices.

If saving the most money on Subaru Impreza insurance in San Antonio is your intention, knowing how to get rate quotes and compare coverage rates can make it easier for you to save money. Multiple insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurers to discover the definitive lowest price on Subaru Impreza insurance in San Antonio.

If you are insured now or are just looking to switch companies, you can use these techniques to lower your rates and possibly find even better coverage. Locating the best rates in San Antonio is really not that difficult. Drivers just need to use the quickest way to compare different rates from multiple carriers.

Lowering your insurance rates is surprisingly easy. You just have to take a couple of minutes comparing price quotes provided by online insurance companies.

It's so easy to compare price quotes online that it makes it a waste of time to drive around to insurance agencies in your area. Quoting Subaru Impreza insurance online makes this unnecessary unless you want the peace of mind of an agent trained in personal lines coverage. Although you can comparison shop online but purchase the actual policy in an agency.

The car insurance companies shown below provide quotes in Texas. If several companies are displayed, we recommend you get prices from several of them to get the cheapest price.

Auto insurance data for a Subaru Impreza

The data table shown below highlights detailed analysis of insurance policy prices for Subaru Impreza models. Having knowledge of how insurance quotes are established can help guide drivers when making informed coverage decisions.

Subaru Impreza Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $288 $468 $462 $28 $138 $1,384 $115
Impreza 2.5I 4WD Station Wagon $288 $468 $462 $28 $138 $1,384 $115
Impreza Outback Sport 4WD Station Wagon $288 $570 $462 $28 $138 $1,486 $124
Impreza 2.5I AWD 4-Dr $326 $570 $462 $28 $138 $1,524 $127
Impreza 2.5I Premium Package AWD 4-Dr $326 $672 $462 $28 $138 $1,626 $136
Impreza WRX 4WD Station Wagon $326 $672 $462 $28 $138 $1,626 $136
Impreza 2.5 GT 4WD Station Wagon $362 $672 $462 $28 $138 $1,662 $139
Impreza WRX AWD 4-Dr $362 $774 $462 $28 $138 $1,764 $147
Impreza 2.5I GT AWD 4-Dr $362 $774 $462 $28 $138 $1,764 $147
Impreza WRX STI 4WD Station Wagon $362 $774 $462 $28 $138 $1,764 $147
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Premium costs do not factor in specific San Antonio garaging location which can change premium rates significantly.

Analysis of deductible levels

One frequently asked question is how high should your deductibles be. The premium rates below outline the difference in cost between low and high deductibles. The first data table uses a $250 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Subaru Impreza insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $294 $408 $382 $22 $114 $1,245 $104
Impreza 2.5I 4WD Station Wagon $294 $408 $382 $22 $114 $1,245 $104
Impreza Outback Sport 4WD Station Wagon $294 $496 $382 $22 $114 $1,333 $111
Impreza 2.5I AWD 4-Dr $332 $496 $382 $22 $114 $1,371 $114
Impreza 2.5I Premium Package AWD 4-Dr $332 $584 $382 $22 $114 $1,459 $122
Impreza WRX 4WD Station Wagon $332 $584 $382 $22 $114 $1,459 $122
Impreza 2.5 GT 4WD Station Wagon $370 $584 $382 $22 $114 $1,497 $125
Impreza WRX AWD 4-Dr $370 $672 $382 $22 $114 $1,585 $132
Impreza 2.5I GT AWD 4-Dr $370 $672 $382 $22 $114 $1,585 $132
Impreza WRX STI 4WD Station Wagon $370 $672 $382 $22 $114 $1,585 $132
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Subaru Impreza insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $240 $328 $382 $22 $114 $1,086 $91
Impreza 2.5I 4WD Station Wagon $240 $328 $382 $22 $114 $1,086 $91
Impreza Outback Sport 4WD Station Wagon $240 $400 $382 $22 $114 $1,158 $97
Impreza 2.5I AWD 4-Dr $270 $400 $382 $22 $114 $1,188 $99
Impreza 2.5I Premium Package AWD 4-Dr $270 $472 $382 $22 $114 $1,260 $105
Impreza WRX 4WD Station Wagon $270 $472 $382 $22 $114 $1,260 $105
Impreza 2.5 GT 4WD Station Wagon $300 $472 $382 $22 $114 $1,290 $108
Impreza WRX AWD 4-Dr $300 $542 $382 $22 $114 $1,360 $113
Impreza 2.5I GT AWD 4-Dr $300 $542 $382 $22 $114 $1,360 $113
Impreza WRX STI 4WD Station Wagon $300 $542 $382 $22 $114 $1,360 $113
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price information does not factor in vehicle location which can change rates significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $16 more each month or $192 a year across all Subaru Impreza models than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 16 months between claims, you would probably save some money going with the higher deductible. Below is how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $120
Average monthly premium for $500 deductibles (subtract): - $104
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One important caveat is that raising deductibles to save money means you will have to cover more of the damage yourself if you have a claim. You must have enough extra savings in the event you need to pay more for the deductible.

How careless driving impacts San Antonio auto insurance rates

The illustration below demonstrates how traffic citations and fender-benders increase Subaru Impreza annual premium costs for each different age category. The rate quotes are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

Learn How to Find Car Insurance Cheaper

One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that are used to determine the rates you pay for car insurance. If you have a feel for what impacts premium levels, this helps enable you to make changes that may result in lower rates.

  • Commute or pleasure use - Driving a lot of miles each year the higher your rate. The majority of insurers charge to insure your cars based upon how much you drive. Autos that do not get driven very much receive lower rates compared to those used for work or business. Ask your agent if your policy correctly shows the proper vehicle usage. A policy that improperly rates your Impreza can result in significantly higher rates.
  • Premiums drop with age - More experienced drivers are more responsible, cost insurance companies less in claims, and get fewer tickets. Teen drivers are known to be more careless with other occupants in the car and because of this, their car insurance rates are much higher.

    The following data is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Protect yourself with liability insurance - Liability insurance will protect you if a court rules you are at fault for physical damage or personal injury to other. It will provide legal defense which can cost thousands of dollars. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
  • Do safer cars cost less to insure? - Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety have better occupant injury protection and fewer serious injuries means less claims paid and cheaper rates on your policy. If your Subaru Impreza scored at minimum four stars on Safercar.gov you may pay a lower rate.
  • Males are more aggressive - Statistics have proven women tend to be less risk to insure than men. However, don't assume that men are worse drivers. They both cause fender benders at about the same rate, but the male of the species tend to have more serious accidents. Men also statistically get ticketed for serious violations such as reckless driving. Males from age 16 to 21 cause the most accidents and therefore have the most expensive car insurance rates.

    The diagram below shows the comparison of Subaru Impreza insurance premiums for male and female drivers. The data is based on no claims or driving violations, comprehensive and collision coverage, $500 deductibles, single status, and no other discounts are factored in.

  • Loss probability for a Subaru Impreza - Companies use past insurance losses to determine a rate that will be profitable for them. Models that statistically have a trend towards higher claims will cost more to insure. The table below illustrates the compiled insurance loss statistics for Subaru Impreza vehicles.

    For each coverage category, the claim probability for all vehicles, regardless of make or model, is considered to be 100. Percentage values below 100 suggest losses that are better than average, while values that are above 100 point to more frequent losses or statistically larger claims.

    Auto Insurance Loss Data for Subaru Impreza Models
    Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Subaru Impreza 4WD 96 80 110 79 78 81
    BETTER
    AVERAGE
    WORSE

    Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Insurance just makes sense

Despite the potentially high cost of Subaru Impreza insurance, insuring your vehicle serves several important purposes.

  • Most states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability protection in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If your Subaru has a loan, most lenders will stipulate that you have comprehensive coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Subaru at an extremely high rate and force you to reimburse them the higher premium.
  • Insurance protects not only your Subaru but also your financial assets. Insurance will pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if you cause an accident and are sued. If you have damage to your Subaru as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of buying enough insurance definitely exceed the price paid, particularly if you ever have a claim. According to a 2015 survey, the average American driver overpays more than $865 each year so smart consumers compare quotes at every renewal to ensure rates are inline.