How Much are Auto Insurance Rates for a Subaru Impreza in Boston?

Buying the cheapest auto insurance for a Subaru Impreza is pretty easy for most people to do, but it depends on a whole bunch of rating criteria such as your age, your geographic location, and the level of deductible you choose. Drivers in Massachusetts will pay on average $869 annually to insure their Impreza, but that price is a valuation calculated using a 50-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.

Most likely you are not 50 and maybe not even a male, possibly single instead of married, and maybe you want higher deductibles. Even a minor change in the criteria used to calculate rates may result in significant differences in the cost of insuring your Impreza.

Each driver’s needs are different, and that demonstrates why the best method for finding cheap auto insurance rates for your Subaru is to just compare rates yourself.

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The trim level of your Impreza can impact the coverage cost, so the price you pay to insure a Impreza 2.5I 4WD Station Wagon trim level will cost $200 less than the cost to insure the more well-appointed Impreza WRX STI 4WD Station Wagon trim level, as shown in the chart below.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rate information does not factor in vehicle location which can increase or decrease auto insurance rates considerably.

Determining which company quotes the lowest-priced auto insurance rates for a Subaru Impreza requires more work in order to find the best price. Every insurance provider uses a little different formula to establish rates, so let’s examine the auto insurance companies that tend to be cheaper in Massachusetts.

We do need to point out that Boston auto insurance rates are impacted by many things which can significantly increase or decrease your annual premium. Simply turning a year older, buying a home, or getting caught speeding may prompt premium changes that can now make some companies affordable when they were higher priced.

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State Farm quotes some of the best car insurance rates in Boston at around $733 a year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon would also make the list of some of the cheapest Boston, MA auto insurance companies.

As the example above demonstrates, if you currently have coverage with Commerce Group and switched to National Grange Mutual, you could realize savings of about $61. Drivers with OneBeacon may save as much as $89 a year, and Progressive policyholders might lower prices by $176 a year.

To get a quick, customized rate comparison, click here to get a free quote or click several companies below for low rates.

Bear in mind that those prices are averages for all ages of drivers and types of vehicles and and are not figured with a specific zip code for a Subaru Impreza. So the insurer that is best suited for you may not even be in the top 21 companies in the list above. That illustrates why you need to get car insurance quotes using your own personal information and vehicle type.

Does it make sense to buy full coverage?

Lowering the price of auto insurance should be important to most vehicle owners, and one great way to find cheaper insurance for a Subaru Impreza is to not buy comprehensive and collision coverage. The information below visualizes the comparison of insurance costs when comparing full coverage to liability only. The information is based on no driving violations, no at-fault accidents, $250 deductibles, drivers are single, and no other discounts are factored in.

Averaged for all ages 20 through 70, full coverage costs an additional $2,081 per year over liability only. That proposes the question if it’s a good idea to buy full coverage. There isn’t a written rule of when to phase out comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s pretend your vehicle’s settlement value is $10,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $9,500 after paying your policy deductible. If it’s costing in excess of $950 annually for full coverage, then it might be time to consider dropping full coverage.

Comparing rates on Impreza insurance can save you money

Boston auto insurance rates are impacted by many factors that may substantially change the policy price. Simply having another birthday, buying a different vehicle, or getting a DUI can trigger rate changes that can now make some companies more affordable than others. Not only may your risk profile change, but car insurance companies modify rates without warning in order to protect their financial rating. Higher than usual claims may result in increased policy costs, while a profitable period may produce lower-priced Impreza insurance rates.

For instance, the chart below shows the company with the cheapest car insurance in Boston, MA for a 35-year-old female driver with no prior accidents, a clean driving record, and a good credit history. When comparing rates based on her personal risk profile, State Farm might offer the best car insurance rates in Boston at $942 annually. This is $293 less than the average policy premium paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, OneBeacon, and Commerce Group are the rest of the most affordable Boston, MA auto insurance companies.

In this next rate comparison, we will give the driver from the first set of rates a claim surcharge, a little lower credit rating, and a traffic ticket or two. Since each company has a unique approach for setting rates, comparing quotes may result in a completely different list of affordable companies as shown below.

Arbella now has the cheapest auto insurance in Boston, MA with Norfolk and Dedham, USAA, Amica, and GEICO now being in the top five. This shows why it is critical to compare as many rates as possible to get the most budget-friendly insurance rates for a Subaru Impreza. Rates are determined by many factors and change substantially, so the best company three years ago may now be one of the higher cost companies.

Tips to find budget-friendly car insurance for a Subaru Impreza

It’s not impossible to find cheaper rates, and here are some of the better penny-pinching solutions that can help Boston drivers buy cheaper coverage.

• Do not insure for full coverage
• Insure your home and auto with the same company
• Avoid accidents and claims
• Get cheaper liability coverage by choosing a safer vehicle
• Better credit scores save money
• Compare rates regularly to ensure the best deal

The final tip is especially important, as was noted in the article above. Prices change frequently, so drivers shouldn’t be resistant to change to a new company if a lower-cost policy is available. Loyalty to a specific company is fine, but it’s not a good idea if that faithfulness ends up costing you big bucks every year. In just a couple of minutes you could shop around to find cheaper auto insurance for a Subaru Impreza in Boston.

The Boston car insurance agencies listed below can help you decide which auto insurance policy fits you best, as lots of drivers aren’t clear which coverage they need and would like to have a professional recommendation when trying to find the best insurance rates for an Impreza. It can be challenging to find coverage yourself, and a professional agent can give you peace of mind knowing your coverage gives you suitable coverage if you have an accident. To locate a Boston auto insurance agent nearest to you, click the link after the list.

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