How Much are Insurance Quotes for a Subaru Impreza in Florida?

Your chances of finding affordable coverage for a Subaru Impreza in Florida depends upon a pretty complex algorithm that uses a lot of factors like how many years you have been driving, if you have recent claims, and your policy deductibles. Florida drivers will pay on average $1,590 every 12 months for Impreza insurance, but that price is an estimation using cost data for a 40-year-old single male that included full physical damage coverage and $250 policy deductibles.

There’s a good chance you may not be 40 years old (or even male), you might be married instead of single, and maybe your Impreza just needs liability-only coverage. Using even a minor difference in the factors used in pricing a policy can induce significant differences in how much insurance for a Subaru Impreza costs.

Different coverage needs are the reason why your best chance at finding affordable rates for your Subaru is to just take the time to do a thorough rate comparison.

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The trim level of your vehicle will likely have an effect on the annual cost of coverage, so the rate you pay to insure a Impreza 2.5I 4WD Station Wagon trim level will be $416 less than the price to insure the higher-priced Impreza WRX STI 4WD Station Wagon trim level, as demonstrated by the prices below.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in specific location information which can lower or raise premiums considerably.

Determining which companies quote the most affordable car insurance rates for a Subaru Impreza involves a bit more effort than just getting one or two price quotes. Each auto insurance company uses a different method to set their prices, so let’s rank the lowest cost car insurance companies in Florida.

Keep in mind that Florida car insurance rates are calculated based on many things which can substantially decrease or increase the cost of your policy. Simply improving your credit, adding a teenager to your policy, or having a fender bender can trigger changes in premium that can make some companies more affordable than others.

Best Auto Insurance Prices for Your Impreza

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USAA offers some of the cheapest car insurance rates in Florida at around $957 a year. Amica, Electric, Progressive, and Travelers also make the cut as some of the more affordable Florida insurance companies.

As the rates illustrate above, if you are currently insured with Progressive and switched to USAA, you might see yearly savings of upwards of $872. Drivers with Travelers could save as much as $912 a year, and Allied insureds might lower prices by up to $988 a year.

To discover how much you can save, click here to start your custom quote or click through to the companies below.

Be aware that those estimates are averages for all types of insureds and vehicles and do not factor in a specific rate value for a Subaru Impreza. So the auto insurance company that can offer you the best price may not even be included in the above list. That illustrates why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

Discounts on cheap insurance for a Subaru Impreza in Florida

Car insurance companies that sell policies for a Subaru Impreza may also give you discounts that could potentially reduce rates by 25% or more if you meet eligibility requirements. A few popular companies and a summarized list of policyholder discounts are included below.

• State Farm has discounts for defensive driving training, good student, accident-free, good driver, passive restraint, and anti-theft.
• GEICO offers discounts including driver training, multi-vehicle, military active duty, air bags, and five-year accident-free.
• Allstate may have discounts that include multi-policy, FullPay discount, 55 and retired, economy car, good student, anti-theft, and early signing.
• SAFECO offers premium reductions for anti-lock brakes, teen safety rewards, accident prevention training, drive less, and safe driver.
• Farm Bureau has savings for driver training, 55 and retired, multi-vehicle, renewal discount, multi-policy, and good student.
• Progressive may offer discounts for homeowner, multi-policy, online quote discount, good student, multi-vehicle, online signing, and continuous coverage.
• AAA discounts include good driver, anti-theft, multi-policy, AAA membership discount, education and occupation, and multi-car.

The diagram below shows the difference between annual premium costs with and without policy discounts. The rates are based on a male driver, a clean driving record, no claims, Florida state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple vehicle, safe-driver, claim-free, defensive driving course, homeowner, and multiple policy discounts applied. When these discounts are applied, the the amount saved on car insurance for a Subaru Impreza is 28% or $723.

Full coverage or liability only

Finding cheap insurance for a Subaru Impreza in Florida should be important to most drivers, and one of the quickest ways to lower the cost of insurance is to not pay for full coverage. The illustration below shows the comparison of auto insurance rates with full coverage compared to only the Florida minimum liability coverage. The premiums are based on no claims or driving violations, $250 deductibles, drivers are single, and no other discounts are factored in.

As an average, physical damage coverage costs an extra $3,052 per year more than just insuring for liability. That may make you wonder if buying full coverage is worth the expense. There is no clear-cut formula to stop buying comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your vehicle’s settlement value is $10,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $9,000 after the deductible is paid. If premium cost is more than $900 annually for physical damage coverage, then you might want to think about dropping full coverage.