Buying the cheapest auto insurance for a Subaru Impreza in Arizona doesn’t take too much effort, but it depends on a lot of factors such as whether you are married or single, whether or not you garage your vehicle, and violations on your driving record. Arizona drivers pay approximately $670 annually for Impreza insurance, but that cost is an approximation calculated using a 50-year-old married female driver with both comprehensive and collision coverage and $1,000 deductibles.
But there is a high probability that you aren’t exactly 50 years old or even a female, maybe you are single instead of married, or maybe your Impreza is old enough that it doesn’t require full coverage. There is no one cookie-cutter policy that works for everyone, so the only way to find the most affordable coverage for your Subaru is to just take the time to compare rates yourself.
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The trim level of your Impreza will be a contributing factor to the cost of coverage, so the rate you will pay to insure a Impreza 2.5I 4WD Station Wagon model will be $136 cheaper than the cost to insure the more expensive Impreza WRX STI 4WD Station Wagon trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $110 | $168 | $282 | $16 | $84 | $660 | $55 |
| Impreza 2.5I 4WD Station Wagon | $110 | $168 | $282 | $16 | $84 | $660 | $55 |
| Impreza Outback Sport 4WD Station Wagon | $110 | $204 | $282 | $16 | $84 | $696 | $58 |
| Impreza 2.5I AWD 4-Dr | $124 | $204 | $282 | $16 | $84 | $710 | $59 |
| Impreza 2.5I Premium Package AWD 4-Dr | $124 | $240 | $282 | $16 | $84 | $746 | $62 |
| Impreza WRX 4WD Station Wagon | $124 | $240 | $282 | $16 | $84 | $746 | $62 |
| Impreza 2.5 GT 4WD Station Wagon | $138 | $240 | $282 | $16 | $84 | $760 | $63 |
| Impreza WRX AWD 4-Dr | $138 | $276 | $282 | $16 | $84 | $796 | $66 |
| Impreza 2.5I GT AWD 4-Dr | $138 | $276 | $282 | $16 | $84 | $796 | $66 |
| Impreza WRX STI 4WD Station Wagon | $138 | $276 | $282 | $16 | $84 | $796 | $66 |
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific location information which can impact auto insurance rates substantially.
Tucson insurance companies
Insuring your vehicle with the highest-rated insurance provider can be rather challenging considering how many companies there are in Tucson. The company information below may help you analyze which car insurance companies you want to consider buying from.
The ratings below are for companies that write coverage in many states, so smaller regional companies are not factored into this list. To compare rates from the most competitive companies in Arizona, just click here.
Top 10 Large Auto Insurance Providers Overall in Tucson
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
How accidents and tickets impact rates in Tucson
One of the best ways to earn the best insurance rates in Tucson for an Impreza is to pay attention while driving and avoid accidents and keep your driving record clean. The chart below illustrates how speeding tickets and accident claims influence premium costs for different age groups. The data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of a car insurance policy in Tucson per year with a clean driving record and no accidents is $1,616. Get one speeding ticket and the average cost jumps to $1,834, an increase of $218 each year. Now add in two accidents along with the one speeding ticket and the annual cost of insurance for a Subaru Impreza goes up to an average of $3,774. That’s an increase of $2,158, or $180 per month, just for not driving attentively!
The illustration below shows how choosing a deductible can increase or decrease yearly insurance costs when researching cheap insurance for a Subaru Impreza. The data is based on a married female driver, comp and collision included, and no additional discounts are factored in.
As shown above, a 50-year-old driver could lower their car insurance rates by $254 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $384 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 category, can save up to $630 or even more by selecting a higher deductible.
If you do raise deductibles, it is essential to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
How to find economical car insurance for a Subaru Impreza
Below you’ll find some thrifty suggestions that can help Tucson drivers find cheaper car insurance.
- Raise your physical damage coverage deductibles
- Avoid having at-fault accidents
- Buying car and homeowners insurance together can save money
- Try to remain claim-free
- Serious violations like DUI or reckless driving can increase rates dramatically
- Higher credit scores can equal lower rates
- Compare rates regularly to ensure the best deal
That last piece of advice is highly vital, as we discussed in this write-up. Prices charged by auto insurers in Tucson adjust often, so don’t be afraid to buy a policy from a new company if a better rate can be found.
Being loyal to a particular company is commendable, but it’s not a good idea if that loyalty results in overpaying a small fortune. Take a few minutes and compare rates and find cheaper car insurance for a Subaru Impreza.