How Much Does Insurance Cost for a Subaru Impreza in Massachusetts?

Anytime the topic is car insurance, the word affordable shouldn’t be used anywhere in the article as a descriptor for car insurance rates. It’s a simple fact that cheap auto insurance for a Subaru Impreza may be a thing of the past. But don’t despair, because we are going to tell you how you can quote coverage that works with your budget.

Your chances of buying cheap car insurance for a Subaru Impreza in Massachusetts hinges on many rating criteria such as how far you drive to work, your credit rating, and physical damage deductibles. Drivers on average pay around $1,420 a year to insure an Impreza, but that policy rate is that uses a 40-year-old single female who purchased full coverage including both comprehensive and collision and $100 deductibles.

The issue with using an average estimated rate is the likelihood you are not exactly 40 years old and possibly not even female, possibly married instead of single, or maybe your Impreza is an older model. There is no perfect policy for every driver, so the best way to quote the cheapest insurance price for your Subaru is to comparison shop your policy at each renewal. It only takes a couple of minutes and you will be able to see rates from some of the cheapest companies available.

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The specific model of Impreza will likely have an effect on the coverage cost, so the price you will be charged to insure a Impreza 2.5I 4WD Station Wagon trim level will be $386 less than the insurance cost for the high end Impreza WRX STI 4WD Station Wagon version, as shown below.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate information does not factor in your specific Massachusetts location which can impact auto insurance rates significantly.

Trying to find low-priced car insurance is not always easy, and figuring out which company offers the most affordable auto insurance rates for a Subaru Impreza calls for even more work. Every auto insurer has their own guidelines to set their prices, so first let’s look at the rankings for the auto insurance companies that tend to be cheaper in Massachusetts.

It’s important that you understand Massachusetts auto insurance rates are based on many factors which can significantly increase or decrease the cost of your policy. Simply getting older, marrying your spouse, or having an at-fault accident can produce rate changes resulting in some companies being cheaper than before.

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State Farm normally has some of the lowest car insurance rates in Massachusetts at around $733 annually. National Grange Mutual, GEICO, OneBeacon, and Commerce Group also rank well as some of the cheaper Massachusetts insurance companies.

As shown in the rates above, if you are insured with OneBeacon and switched to State Farm, you could realize savings of approxmiately $143. Insureds with Commerce Group could save as much as $151 a year, and Progressive insureds might reduce rates by $286 a year.

Remember that these premium estimates are averages for all drivers and vehicles in Massachusetts and do not factor in a specific rate factor for a Subaru Impreza. So the insurer that is best suited for you may not even be included in the list of companies shown earlier. That points out the importance of why you need to get quotes using your own specific driver and vehicle information.

Discounts on cheap insurance for a Subaru Impreza in Massachusetts

Car insurance companies that sell policies for a Subaru Impreza may also provide policy discounts that can reduce rates by as much as 35% or more if you are eligible. A few popular companies and a summarized list of policyholder discounts include:

The chart below illustrates the comparison of insurance prices with and without discounts being applied to the rates. The price estimates are based on a female driver, no violations or accidents, Massachusetts state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with accident-free, safe-driver, anti-theft, vehicle safety, passive restraint, and marriage discounts applied. When these discounts are applied, the the amount saved on auto insurance for a Subaru Impreza is % or $.

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How to get cheap insurance for a Subaru Impreza in Massachusetts

Here are many penny-pinching suggestions that can help drivers buy more affordable coverage.

• Good credit scores may make rates cheaper
• Drop full coverage on older vehicles
• Safe vehicles generally have lower rates
• Having at-fault accidents will increase rates
• Bundle home and auto and save
• Compare rates once a year for cheaper prices

The final tip is highly crucial, as was emphasized in the prior information. Auto insurance prices in Massachusetts can be modified anytime, so you should be ready to buy from a new company if you can find a cheaper rate.

Having a favorite company is great, but it isn’t a good idea if that loyalty results in overpaying lots of money. It only take a few minutes to compare prices and find cheaper auto insurance for a Subaru Impreza.