Who Has the Cheapest Insurance for a Subaru Impreza in Colorado?

Finding cheap car insurance for a Subaru Impreza in Colorado relies on many rating criteria such as if you own your home, your occupation, and if you have any chargeable driving offenses. Colorado drivers will pay around $1,210 per year to insure a Subaru Impreza, but that figure is a projection that uses a 40-year-old single female that purchased both comprehensive and collision coverage and $500 policy deductibles.

There is a very good chance that you are not a 40-year-old female, possibly married instead of single, or you need different physical damage deductibles. Having different needs demonstrates why your best chance at finding cheap insurance rates for your Subaru is to comparison shop your policy at every renewal or at least every couple of years. It only takes a few minutes and you will receive price comparisons from some of the best insurers around.

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The trim level of your Subaru will be a contributing factor to the cost of coverage, so the price you will pay to insure a Impreza 2.5I 4WD Station Wagon model will be $278 lower than the insurance cost for the more expensive Impreza WRX STI 4WD Station Wagon model, as demonstrated by the prices below.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rates do not factor in your specific Colorado location which can impact premium rates significantly.

Insuring your vehicle with the best insurance company can be difficult considering how many companies sell insurance in Colorado. The company rank data shown next can help you analyze which car insurance providers you want to consider putting your business with. The ratings below are only made up of companies with a national presence, so companies that focus mainly on Colorado business will not be included in these rankings.

Top 10 Large Car Insurance Companies Overall in Colorado

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Allstate

Top 10 Large Car Insurance Companies in Colorado Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. The General
5. Progressive
6. Allstate
7. American Family
8. AAA Insurance
9. Nationwide
10. Titan Insurance

Top Companies for Subaru Impreza Insurance in Colorado

The example below illustrates how your choice of deductibles can change insurance costs when quoting cheap insurance for a Subaru Impreza. The premiums are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

In the chart above, a 30-year-old driver could lower rates by $452 a year by increasing from a $100 deductible to a $500 deductible, or save $682 by using a $1,000 deductible. Even younger drivers, like the age 20 example, can cut as much as $1,332 or even more just by choosing higher deductibles. When using a larger deductible, it is a good idea to have additional funds in a savings account to pay the extra out-of-pocket expense that is associated with using high deductibles.

Discounts on Colorado insurance rates

Insurers that sell the cheapest insurance for a Subaru Impreza in Colorado may provide rate discounts that could reduce prices by as much as 25% or more if you are eligible to receive them. A list of companies and a summarized list of policyholder discounts are shown below.

• American Family may include discounts for bundled insurance, Steer into Savings, multi-vehicle, early bird, and TimeAway discount.
• Nationwide has savings for business or organization, multi-policy, accident-free, easy pay, and anti-theft.
• MetLife offers premium reductions for good driver, accident-free, defensive driver, claim-free, good student, and multi-policy.
• 21st Century offers discounts for anti-lock brakes, theft prevention, air bags, student driver, 55 and older, and homeowners.
• Farmers Insurance has discounts for mature driver, good student, switch companies, alternative fuel, and youthful driver.
• Allstate discounts include good student, safe driver, EZ pay plan discount, farm vehicle, economy car, and eSmart discount.

The chart below shows the difference between annual premium costs with and without discounts. The costs are based on a male driver, no violations or claims, Colorado state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with claim-free, multiple vehicle, vehicle safety, accident-free, safe-driver, and multiple policy discounts applied. In this example, the the average amount saved on auto insurance for a Subaru Impreza is 28% or $671.

Allstate, Geico, State Farm, or Progressive: Who is cheapest?

When it comes to buying insurance for an Impreza in Colorado, some of the first companies to look at are Allstate, Geico, State Farm, and Progressive. All offer your standard physical damage and liability coverages, but each one has somewhat different options that you can select from. The following table compares and contrasts pricing and service ratings, as well as optional policy coverages that are available from each company.