Who Has Cheap Insurance Quotes for a Subaru Impreza in Delaware?

Our content editors always give us grief that when writing about auto insurance, the word “cheap” shouldn’t be used anywhere to describe car insurance prices. It’s a simple fact that cheap car insurance for a Subaru Impreza may be a thing of the past. We’ll try to make it up to you, because we will teach you how you can still find auto insurance that doesn’t cost an arm and a leg.

Your ability to find cheap coverage for a Subaru Impreza in Delaware relies on many different factors such as your gender, your current insurance company, and the deductible amount you use. Drivers in Delaware on average pay approximately $1,730 annually to insure their Impreza, but that rate is an estimate that uses a 40-year-old single female driver that has full comprehensive and collision coverage and $100 deductibles.

When making auto insurance estimates, the issue arises that you are not 40 and maybe not even a female, possibly married instead of single, and there is a good chance that you need different coverage limits than the exampe. Using even a minor difference in rating criteria or coverage limits can result in a large change in the rate quoted for a Subaru Impreza.

This demonstrates why your best chance at finding cheap insurance rates for your Subaru is to get into the habit of comparing rates once a year.

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The trim level of your Subaru can impact the insurance rate, so the price you pay to insure a Impreza 2.5I 4WD Station Wagon model will be $468 cheaper than the price to insure the more well-appointed Impreza WRX STI 4WD Station Wagon model, as shown in the prices below.

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Delaware minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Estimates do not factor in vehicle garaging location which can revise auto insurance rates substantially.

Choosing the top company can be rather challenging considering how many companies provide coverage in Delaware. The company rank data shown next may help you decide which providers you want to consider shopping your coverage with.

The ratings below include companies with a national presence, so smaller regional companies will not be included in these rankings. To get rate quotes from these and other top-rated companies, click here.

Top 10 Major Auto Insurance Companies in Delaware Ranked by Value

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

Top Companies for Subaru Impreza Insurance in Delaware

The diagram below demonstrates how deductible levels can affect insurance prices when quoting cheap insurance for a Subaru Impreza. The costs are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.

The data above shows that a 50-year-old driver could reduce rates by $512 a year by changing from a $100 deductible up to a $500 deductible, or save $772 by selecting a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, can cut $1,308 or even more just by choosing higher deductibles. If you do raise deductibles, it will be important to have enough in a savings account to satisfy the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Insurance rate increases from tickets or accidents

In a perfect world, the ideal way to get cheap auto insurance prices in Delaware for an Impreza is to drive carefully and avoid getting tickets or having accidents. The illustration below highlights how traffic violations and at-fault claims can influence auto insurance rates for each different age category. The premiums assume a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

In the chart above, the average cost of an auto insurance policy in Delaware per year with a clean driving record and no accidents is $2,743. Factor in two speeding tickets and the average cost surges to $3,644, an increase of $901 each year. Then add two accidents along with the two speeding tickets and the annual cost of auto insurance for a Subaru Impreza goes up to an average of $6,835. That’s an increase of $4,092, or $341 per month, just for being a less-than-perfect driver!

Does Allstate, Progressive, State Farm, or Geico have the cheapest car insurance?

If you want reliable insurance for an Impreza in Delaware, four of the best places to start are Allstate, Progressive, State Farm, and Geico. If you combine them together, they insure about 50% of the entire U.S. auto insurance market. All four can cover your vehicle for liability and physical damage, but each one has slightly different options that buyers can choose from. The data below compares ratings for price and service, as well as some optional coverages that are available for customers.