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

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

Our editors always tell us that when writing about auto insurance, the words cheap or affordable should never be used anywhere in the article to describe car insurance rates. It’s just reality that cheap car insurance for a Subaru Impreza does not exist. Don’t let that bother you, though, because we are going to show you how you can get car insurance that won’t break your budget.

Finding the best cheap coverage for a Subaru Impreza in Arkansas hinges on a complicated formula that considers factors such as your vehicle’s safety rating, if you are a frequent claim filer, and if your driving record is clean. Drivers in Arkansas pay an average rate of $1,310 each year to insure an Impreza, but that amount is an estimation based on rates for a 30-year-old single male driver that purchased full coverage and $250 deductibles.

But there is a high likelihood that you may not be 30 years old (or even male), maybe you are married instead of single, and you want different coverage limits than the example. Insurance prices are based on the driver profile the best method for finding the cheapest rates for your Subaru is to get into the habit of comparing rates once a year. It only takes a couple of minutes and you will receive price comparisons from the best auto insurance companies that insure vehicles in Arkansas.

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The specific trim level will be a contributing factor to the annual cost of coverage, so the price you will pay to insure a Impreza 2.5I 4WD Station Wagon model will be $314 less than the insurance cost for the high end Impreza WRX STI 4WD Station Wagon trim level, as shown in the chart below.

Subaru Impreza Insurance Rates in Arkansas
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $298 $364 $444 $26 $134 $1,266 $106
Impreza 2.5I 4WD Station Wagon $298 $364 $444 $26 $134 $1,266 $106
Impreza Outback Sport 4WD Station Wagon $298 $442 $444 $26 $134 $1,344 $112
Impreza 2.5I AWD 4-Dr $338 $442 $444 $26 $134 $1,384 $115
Impreza 2.5I Premium Package AWD 4-Dr $338 $520 $444 $26 $134 $1,462 $122
Impreza WRX 4WD Station Wagon $338 $520 $444 $26 $134 $1,462 $122
Impreza 2.5 GT 4WD Station Wagon $376 $520 $444 $26 $134 $1,500 $125
Impreza WRX AWD 4-Dr $376 $600 $444 $26 $134 $1,580 $132
Impreza 2.5I GT AWD 4-Dr $376 $600 $444 $26 $134 $1,580 $132
Impreza WRX STI 4WD Station Wagon $376 $600 $444 $26 $134 $1,580 $132
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arkansas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate information does not factor in zip code location which can raise or lower premiums considerably.

Buying coverage from the highest-rated auto insurance provider can be a challenge considering how many companies sell coverage in Arkansas. The ranking information displayed below could help you decide which companies you want to consider when insurance shopping for a Subaru Impreza. These rankings are for the companies with a significant amount of written premium nationwide, so companies that have a smaller presence will not be included in these rankings.

Top 15 Insurance Companies in Arkansas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
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Data Source: Insure.com Best Car Insurance Companies

Discount Arkansas insurance rates

Insurance for an Impreza in ArkansasInsurance providers that offer cheap insurance for a Subaru Impreza in Arkansas may have premium discounts that could potentially reduce rates by as much as 35% or more if you meet the requirements. Popular insurance companies and the discounts they provide are:

Car Insurance Discounts for Popular Insurers
Discount Progressive Geico State Farm Allstate Liberty Mutual Nationwide Farmers
Bundle discount Yes Yes Yes Yes Yes Yes Yes
Multi-vehicle Yes Yes Yes No Yes Yes Yes
Anti-theft Yes Yes Yes Yes Yes Yes Yes
Anti-lock brakes No Yes Yes Yes Yes No No
Air bags No Yes Yes Yes Yes Yes Yes
Running lights No Yes Yes No No No Yes
Newer vehicle No No Yes Yes No Yes Yes
Hybrid vehicle No No No Yes Yes No Yes
Safe driver Yes Yes Yes Yes No Yes Yes
Defensive driving course Yes Yes Yes Yes No Yes Yes
Active duty military Yes Yes Yes No No No Yes
Professional affiliation No Yes No No Yes Yes Yes
Pay in full Yes Yes No Yes Yes Yes Yes
Email statements Yes Yes No Yes Yes Yes Yes
Loyalty Yes No Yes No No Yes Yes
Early signing No No No Yes No Yes Yes
Smart student Yes Yes Yes Yes Yes Yes Yes
Student at college Yes No Yes Yes Yes Yes Yes
Own home Yes No No No No No Yes
Use seat belts No Yes No No No No No
Get quote online Yes No No No No No No
Teen driver Yes No No No Yes No No
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The illustration below shows the comparison of auto insurance rates with and without discounts applied to the premium. The data is based on a female driver, no claims or driving violations, Arkansas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with safe-driver, passive restraint, accident-free, claim-free, anti-theft, and vehicle safety discounts applied. When these discounts are applied, the the average amount saved on insurance for a Subaru Impreza is 16% or $214.

How much more does full coverage cost in Arkansas?

Finding cheap insurance for a Subaru Impreza in Arkansas is probably important to the majority of drivers, and one way to save on the cost of insurance is to only buy liability coverage. The information below shows the difference between insurance rates with and without physical damage coverage. The premium estimates are based on no violations or claims, $1,000 deductibles, marital status is single, and no discounts are factored in.

As an overall average, comp and collision coverage costs an additional $1,802 per year more than just buying liability insurance. That is a big expense that brings up the question if it’s a good idea to buy full coverage. There is no exact formula of when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

There are some cases where dropping full coverage is not a good plan. If you still owe a portion of the original loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not buy liability only.