Why Is Impreza Insurance So High? (9 Reasons Why)

For those who invest in a Subaru Impreza, you are probably looking for insurance to go with your car. However, you may have noticed that the rates for Impreza insurance are different from most cars.

You may be wondering why Impreza insurance rates are so high. I did the research, and here is what I discovered!

Why Is Impreza Insurance So High?

Impreza insurance is so high because some insurers categorize the Subaru Impreza as a sports car. Generally, sports cars are more likely to get into accidents or be stolen. Moreover, sports costs have more expensive parts and repair costs. Additionally, your Impreza insurance rate will depend on your age, gender, driving record, and more.

Are you interested in learning about more reasons why Impreza insurance costs so much? I made a list of reasons below, so read on!

1. Higher Rate Of Theft

One of the main reasons that Impreza insurance is so high is that Impreza is considered to be a sports car, and sports cars are more likely to get stolen.

Generally, most people enjoy the look and performance of sports cars, but they are often more expensive than common cars.

As such, sports cars become a target for thieves because sports cars like Impreza are seen as valuable cars.

This means that insurance companies may have to cover the costs of a stolen car, so they will charge higher rates of the Impreza to prepare themselves for that event.

2. Faster Car

Since the Subaru Impreza is thought to be a sports car, the Impreza can often reach high speeds, but that will also make your insurance rate be high.

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Normally, faster cars are more likely to get into accidents because the risk of a car crash doubles each time you go faster by 10 kph.

While you may not be driving fast, faster cars like the Impreza are presumed to be accident prone, so insurers will charge you expensive premiums.

3. Cost Of Repairs

Generally, sports cars have high quality parts, but most high quality car parts cost a lot of money.

If you were to replace or repair your Impreza, your insurance will likely to have to pay more money compared to what they pay for an average car.

For instance, paying for the parts of the Impreza can cost more than buying parts of a Subaru Accent.

As such, insurance companies avoid making a loss from insuring your Impreza by charging you a higher insurance rate.

4. Insurance Requirements

Depending on where you live, what car you have, and what kind of driver you are, you may have to adhere to certain insurance requirements.

As such, the insurance rate for your Subaru Impreza can get more expensive depending on your circumstances.

For instance, most Impreza insurance premiums will need to include bodily injury liability and property damage liability.

However, other states may require you to acquire more coverage for your insurance plan, such as comprehensive coverage and collision coverage.

Moreover, people who have taken an auto loan out to pay for their Impreza will likely have to get more insurance for the Impreza.

5. Newer Subaru Impreza Models

Newer Subaru Impreza Models

Generally, how much your insurance will cost will depend on how new your car is since newer models tend to cost more to repair and place parts.

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For instance, owning a fifth generation Impreza made in 2017 will have more expensive insurance than a 2010 Impreza.

Usually, the cost of the insurance will go down as your car model gets older or if a new model of the Subaru Impreza gets released.

6. Driving Record

Usually, a huge reason why your Impreza insurance is so high is your driving record since most insurers check out your driving record before you giving you a rate.

Normally, young drivers, such as teenagers, will have little to no driving record, so they will have to pay more for insurance because they cannot prove that they are safe drivers.

Similarly, people with bad records, such as being in accidents every other year, will have to pay an expensive insurance rate.

On the other hand, people who have been in little to no accidents and never faced a traffic violation will experience a much cheaper premium.

7. Gender And Age

Another determining factor that can affect your Impreza insurance is your gender and age.

Normally, young drivers under 20 years old pay more for insurance because teenagers are more likely to be reckless drivers.

Therefore, insurers try to protect themselves first by charging a higher premium to avoid making a loss from the client.

Additionally, gender plays a role in insurance prices because of men are more likely to get into car accidents than women, especially young men.

For example, a 20 year old guy would pay 16% more for car insurance than a 20 year old woman.

8. Credit Score

While this may not have anything to do with driving, your credit score can greatly impact how much your Impreza insurance will cost you.

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People who have bad credit scores are more likely to file claims if an accident or damage occurs compared to people with good credit scores.

As such, people with low credit scores deal with more expensive insurance costs.

9. The Insurance Company

Finally, one of the major reasons why your Impreza insurance costs so much is the insurance company that you chose.

Normally, there are multiple insurance companies available in a given area, and each of them will have different rates.

If you were to choose a more popular insurance company like Allstate, you will likely spend a lot more money on your car insurance.

To know more, you can also read our posts on why car insurance is so expensive for seniors, why your car insurance goes up every six months, and why your Progressive insurance went up.


Generally, Impreza insurance costs a lot because the Subaru Impreza is considered a sports car to some insurance companies.

Usually, sports cars are more likely to get stolen and into accidents, and they cost more to repair.

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