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

Whether or not you can find affordable insurance for a Subaru Impreza in Kentucky is contingent on factors such as your gender, if you have a tendancy to file claims, and physical damage deductibles. Drivers pay on average $930 annually to insure their Impreza, but that cost is based on cost data for a 40-year-old married male that includes both comprehensive and collision coverage and $500 deductibles.

The issue that arises when projecting rates is that it’s very likely that you aren’t exactly 40 years old or even a male, possibly single instead of married, or maybe your Kentucky zip code is rated higher than the example. Using even a minor difference in rating variables can induce significant differences in the cost of insuring your Impreza.

Everone’s needs are different, and this illustrates why your best shot at finding cheap insurance rates for your Subaru is to compare as many rates as possible. Quotes only take a couple of minutes and you will receive rate quotes from top-rated companies around.

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The trim level of your Impreza will most likely have an effect on price, so the price to insure a Impreza 2.5I 4WD Station Wagon model will be $216 cheaper than the cost to insure the high end Impreza WRX STI 4WD Station Wagon trim level, as shown in the table below.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Price information does not factor in specific garaging location which can impact rates substantially.

What is the best insurance company in Kentucky?

Insuring your vehicle with the best company can be challenging considering how many companies sell coverage in Kentucky. The ranking data displayed below could help you analyze which companies you want to consider when trying find the best insurance for a Subaru Impreza. The rankings below only include companies with a national presence, so companies that only write business in Kentucky or surrounding areas are not taken into consideration for the list.

Top 10 Large Auto Insurance Companies in Kentucky Ranked by A.M. Best Rating

1. Travelers – A++
2. GEICO – A++
3. State Farm – A++
4. USAA – A++
5. Nationwide – A+
6. Allstate – A+
7. The Hartford – A+
8. Progressive – A+
9. Erie Insurance – A+
10. Esurance – A+

Top 10 Large Auto Insurance Companies in Kentucky Ranked by Value

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

Top Companies for Subaru Impreza Insurance in Kentucky

Get discount Kentucky auto insurance

Insurers that sell cheap insurance for a Subaru Impreza in Kentucky may also offer rate discounts that may potentially lower prices by as much as 40% or more if you meet the requirements. The best insurance companies and their possible discounts include:

• State Farm has discounts for good student, student away at school, driver’s education, anti-theft, accident-free, safe vehicle, and passive restraint.
• Progressive may include discounts for online signing, homeowner, good student, multi-policy, online quote discount, multi-vehicle, and continuous coverage.
• Travelers policyholders can earn discounts including student away at school, new car, hybrid/electric vehicle, payment discounts, home ownership, driver training, and good student.
• American Family includes discounts for multi-vehicle, defensive driver, accident-free, good student, and Steer into Savings.
• Liberty Mutual may have discounts that include good student, exclusive group savings, newly retired, safety features, teen driver discount, and hybrid vehicle.

The example below illustrates the difference between insurance premiums with and without discounts applied. The costs are based on a female driver, a clean driving record, no at-fault accidents, Kentucky state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with safe-driver, accident-free, multiple vehicle, passive restraint, multiple policy, and claim-free discounts applied. When discounts are applied, the average amount saved each year on insurance for a Subaru Impreza is 28% or $497.

How to get cheap insurance for a Subaru Impreza in Kentucky

Below you’ll find some thrifty solutions that can help drivers find the cheapest coverage.

• Avoid getting citations and tickets
• Accident-free drivers may qualify for discounts
• Increase the comprehensive and collision deductibles on your policy
• Don’t have frequent claims
• Don’t waste money on full coverage for older vehicles
• Compare rates regularly to ensure the best deal

That last piece of advice is very valuable, as was stressed in the article above. Insurance prices fluctuate constantly, so drivers shouldn’t be resistant to change insurance companies if a more affordable price is available. Many drivers have brand loyalty and that’s fine, but is isn’t recommended if your bullheadedness ends up costing you thousands of dollars over the life of your policy. It takes less than five minutes to shop around to find cheaper car insurance for a Subaru Impreza.