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

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

Our editors have a joke that when writing about auto insurance, the words “cheap” or “affordable” should never be used anywhere in the article. Nonetheless, cheap car insurance for a Subaru Impreza can be hard to find. Don’t let that spoil your day, because we will teach you how you can quote and buy auto insurance that is easier on your budget.

The odds of finding cheap auto insurance for a Subaru Impreza in Oklahoma hinges on a lot of things like your birth date, whether you have good credit, and any prior driving offenses. Oklahoma drivers on average pay around $1,880 every 12 months for Impreza insurance, but that amount is a ballpark figure that rates a 40-year-old single male who requires full comprehensive and collision coverage and $100 physical damage deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not 40 and maybe not even a male, possibly married instead of single, or you just prefer to insure for liability only. Every driver has different characteristics, so the only real way to find cheap insurance rates for your Subaru is to just take the time to compare rates yourself. Get your free quotes now and you can get prices from some of the best companies that insure vehicles in Oklahoma.

Compare Subaru Impreza Insurance Rates

Your Subaru’s trim level will be a contributing factor to price, so the price you will be charged to insure a Impreza 2.5I 4WD Station Wagon trim level will be $528 lower than the cost to insure the higher-priced Impreza WRX STI 4WD Station Wagon model, as demonstrated by the prices below.

Subaru Impreza Insurance Rates in Oklahoma
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $378 $658 $542 $32 $162 $1,772 $148
Impreza 2.5I 4WD Station Wagon $378 $658 $542 $32 $162 $1,772 $148
Impreza Outback Sport 4WD Station Wagon $378 $802 $542 $32 $162 $1,916 $160
Impreza 2.5I AWD 4-Dr $426 $802 $542 $32 $162 $1,964 $164
Impreza 2.5I Premium Package AWD 4-Dr $426 $944 $542 $32 $162 $2,106 $176
Impreza WRX 4WD Station Wagon $426 $944 $542 $32 $162 $2,106 $176
Impreza 2.5 GT 4WD Station Wagon $476 $944 $542 $32 $162 $2,156 $180
Impreza WRX AWD 4-Dr $476 $1088 $542 $32 $162 $2,300 $192
Impreza 2.5I GT AWD 4-Dr $476 $1088 $542 $32 $162 $2,300 $192
Impreza WRX STI 4WD Station Wagon $476 $1088 $542 $32 $162 $2,300 $192
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in specific Oklahoma garaging location which can influence coverage rates greatly.

Oklahoma car insurance company ratings

Choosing the highest-rated car insurance provider is hard considering how many different companies there are to choose from in Oklahoma. The company rank data shown next could help you choose which providers to look at comparing price quotes from. These rankings are only comprised of the companies with a significant amount of written premium nationwide, so smaller regional companies are not included in these rankings.

Top Car Insurance Companies in Oklahoma
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
Mercury Insurance 97 96 88 89% A+ 93.4
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
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

Difference between full coverage and liability only rates

Finding cheap insurance for a Subaru Impreza in Oklahoma is the goal of most people, and a great way to save on the cost of insurance is to only buy liability coverage. The illustration below visualizes the comparison of car insurance costs with liability coverage only compared to full coverage. Data assumes a clean driving record, no claims, $100 deductibles, drivers are single, and no discounts are factored in.

If averaged for all ages, physical damage coverage on your policy costs $3,626 per year more than just buying liability insurance. That touches on the question when is it safe to stop buying full coverage. There is no definitive guideline to stop paying for physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

The diagram below shows how choosing a deductible can impact insurance costs when quoting cheap insurance for a Subaru Impreza. The prices are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

In the chart above, a 30-year-old driver could save $550 a year by increasing from a $100 deductible to a $500 deductible, or save $830 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could potentially save $1,664 annually just by using higher deductibles.

When using a larger deductible, it will be required to have enough spare savings to satisfy the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.