Compare Canada’s cheapest Subaru Impreza car insurance rates
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- Insuring your Subaru Impreza
- How much is it to insure a Subaru Impreza for a young driver?
- How much is it to insure a Subaru Impreza for an experienced driver?
- How much can a traffic ticket or an accident raise your insurance?
- How to get cheaper car insurance for your Subaru Impreza
- Should you buy or lease your Subaru Impreza?
- Protecting your Impreza with Subaru Protection Plan
Insuring your Subaru Impreza
When it comes to reliable, safe, and affordable cars, the Subaru Impreza deserves a spot in the conversation. Known for its all-wheel drive and great safety features, it’s a solid choice for drivers of all ages. In fact, Consumer Reports recently ranked Subaru as the top car brand for 2025, thanks to its reliability, road performance, and owner satisfaction.
The best part? The Impreza’s safety and reliability often mean lower insurance costs. Even younger drivers can benefit from more affordable premiums compared to other cars in its class.
Keep reading to learn how different factors, like your driving history and the specific Impreza model, can affect your insurance rates.
How much is it to insure a Subaru Impreza for a young driver
Insurance can be pricey for young drivers, especially when it comes to the Subaru Impreza. But understanding what affects those costs can help you make smarter choices and save money.
Here’s what matters most:
Driver experience: New drivers are more likely to make mistakes, which raises insurance rates. While the Impreza’s all-wheel drive offers great traction, it can sometimes give a false sense of confidence in tricky conditions.
Model choice: Sportier Subarus, like the WRX, tend to cost more to insure than practical models like the Impreza. Sporty cars attract riskier drivers, which leads to higher premiums.
Repair costs: The Impreza’s all-wheel drive and unique engine design make it reliable, but repairs can be pricier than standard vehicles, which impacts insurance rates.
Theft risk: Good news—Subarus aren’t high on the list of stolen cars, which helps keep insurance costs lower.
While insurance for young drivers can be expensive, there are ways to save.
Age | Insurance cost range |
|---|---|
18 | $6,567 - $10,390 |
19 | $5,474 - $7,896 |
20 | $5,131 - $6,756 |
21 | $4,886 - $5,298 |
22 | $4,150 - $4,678 |
23 | $3,846 - $4,404 |
24 | $3,724 - $4,260 |
25 | $3,096 - $3,703 |
Methodology
The table above outlines the average cost of car insurance in Toronto for a female G-licensed policyholder driving a 2023 SUBARU IMPREZA 2.0i 5DR AWD. Using our rate calculator, we calculated average auto insurance premiums by age, assuming the driver has a clean driving record. All ranges and averages presented represent the three lowest quotes offered. The insurance policies used for comparison include $1,000,000 in coverage, along with a $1,000 deductible for both collision insurance and comprehensive insurance.
It’s important to note that these quoted rates are specific to this driver profile. You are more likely to find rates at the lower end of the provided range by comparing quotes from different providers and selecting the one that offers the best value for your needs.
Disclaimer
Auto insurance rates are influenced by a variety of factors, including (but not limited to) your postal code, driving history, the specific make and model of the vehicle, additional safety features, whether you attended driving school, and more. This means the premiums for individuals with different circumstances may vary significantly from the rates shown here. Always compare personalized quotes to ensure you're getting the best coverage at the best price.
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How much is it to insure a Subaru Impreza for an experienced driver
If you drive a Subaru Impreza, your insurance rates can depend on a few key factors. Here’s what to keep in mind:
Experience and age: Drivers in their 30s to 50s usually get the best rates. Younger or older drivers may see higher premiums due to risk factors like inexperience or slower reflexes.
Model choice: The Impreza is generally affordable to insure, but sportier Subarus like the WRX often come with higher premiums due to aggressive driving tendencies and repair costs.
Driving record: A clean record keeps your rates low, but accidents or tickets can raise premiums, even for safe drivers.
Mileage: Driving your Impreza a lot—like for long commutes—can increase your rates. Low-mileage drivers may qualify for discounts.
Location: Living in high-traffic or high-crime areas can raise premiums. Luckily, the Impreza isn’t a common target for theft, which helps.
Safety features: The Impreza’s advanced safety tech, like Subaru’s EyeSight system, can lower your risk of accidents and may earn you insurance discounts.
Worried about costs? Check out ways to save on insurance.
Age | Insurance cost range |
|---|---|
30 | $2,201 - $3,060 |
35 | $2,043 - $2,678 |
40 | $1,974 - $2,465 |
45 | $1,768 - $2,423 |
50 | $1,667 - $2,312 |
55 | $1,612 - $2,092 |
60 | $1,590 - $2,050 |
65 | $1,582 - $1,936 |
Methodology
The table above outlines the average cost of car insurance in Toronto for a female G-licensed policyholder driving a 2023 SUBARU IMPREZA 2.0i 5DR AWD. Using our rate calculator, we calculated average auto insurance premiums by age, assuming the driver has a clean driving record. All ranges and averages presented represent the three lowest quotes offered. The insurance policies used for comparison include $1,000,000 in coverage, along with a $1,000 deductible for both collision insurance and comprehensive insurance.
It’s important to note that these quoted rates are specific to this driver profile. You are more likely to find rates at the lower end of the provided range by comparing quotes from different providers and selecting the one that offers the best value for your needs.
Disclaimer
Auto insurance rates are influenced by a variety of factors, including (but not limited to) your postal code, driving history, the specific make and model of the vehicle, additional safety features, whether you attended driving school, and more. This means the premiums for individuals with different circumstances may vary significantly from the rates shown here. Always compare personalized quotes to ensure you're getting the best coverage at the best price.
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How much can a traffic ticket or accident raise your insurance?
Subaru drivers love the brand for its safety features, but certain factors can still raise your insurance premiums. Here’s what to watch out for:
- Speeding tickets: Even a minor speeding ticket can label you as a higher-risk driver, leading to increased insurance costs.
- At-fault accidents: A single accident, even a small one, can significantly raise your premiums. Subarus are often linked to larger claims due to the cost of repairing advanced features like EyeSight Driver Assist Technology and their complex AWD systems.
- Repair costs: Subarus are built for adventure, but off-road driving or rugged conditions can lead to wear and tear. Repairs for these vehicles, especially for their safety and AWD systems, can be pricey, which insurers take into account.
While Subarus are known for their reliability and safety, keeping a clean driving record is key to keeping your insurance rates low.
Here are some of the possible changes you might see in insurance for your Subaru:
Age | Major convictions | At-fault accidents | Insurance cost range |
|---|---|---|---|
30 | None | None | $2,201 - $3,060 |
None | 1 | $4,496 - $4,980 | |
1 | None | $4,896 - $5,754 | |
1 | 1 | $10,138 - $15,566 | |
35 | None | None | $2,043 - $2,678 |
None | 1 | $4,338 - $4,800 | |
1 | None | $4,716 - $5,220 | |
1 | 1 | $9,674 - $14,754 | |
40 | None | None | $1,974 - $2,465 |
None | 1 | $4,217 - $4,656 | |
1 | None | $3,560 - $5,052 | |
1 | 1 | $9,450 - $14,754 | |
45 | None | None | $1,768 - $2,423 |
None | 1 | $4,088 - $4,656 | |
1 | None | $3,115 - $5,028 | |
1 | 1 | $9,386 - $13,558 | |
50 | None | None | $1,667 - $2,312 |
None | 1 | $4,096 - $4,572 | |
1 | None | $2,917 - $4,932 | |
1 | 1 | $9,399 - $12,617 | |
55 | None | None | $1,612 - $2,092 |
None | 1 | $3,599 - $4,224 | |
1 | None | $2,811 - $4,296 | |
1 | 1 | $9,632 - $12,111 | |
60 | None | None | $1,590 - $2,050 |
None | 1 | $3,530 - $4,092 | |
1 | None | $2,768 - $4,248 | |
1 | 1 | $9,789 - $11,875 | |
65 | None | None | $1,582 - $1,936 |
None | 1 | $3,363 - $4,000 | |
1 | None | $2,748 - $4,032 | |
1 | 1 | $9,993 - $11,801 |
Methodology
The table provides a comparison of average car insurance premiums in Toronto for a female G-licensed driver operating a 2023 SUBARU IMPREZA 2.0i 5DR AWD. The analysis includes two driving profiles: one for drivers with clean records, meaning no major convictions or at-fault accidents, and another for drivers with one at-fault accident, one major conviction, or both. Using a rate calculator, we determined the average premiums across different age groups by selecting the three lowest quotes from leading insurance providers. The insurance coverage considered includes $1,000,000 in liability coverage and a $1,000 deductible for both collision and comprehensive insurance. For drivers with at-fault accidents or convictions, premiums were adjusted based on the additional risk weighted by insurers, leading to higher quotes for that group.
Disclaimer
It is important to note that the rates listed are specific to this driver and vehicle profile and may vary significantly based on individual circumstances. Factors such as postal code, claims history, specific vehicle features, and even completion of a recognized driving school course can influence premiums. To ensure the best value, it is essential to obtain personalized quotes from multiple providers, as rates and coverage offerings can differ substantially depending on how each insurer evaluates risk. Comparing quotes allows drivers to find the most suitable and cost-effective insurance for their unique needs.
How to get cheaper car insurance for your Subaru Impreza
If you drive a Subaru Impreza, there are many ways you can lower your insurance costs. For example, you could bundle your policies with one provider to unlock discounts. Or, you might take a defensive driving course to become eligible for savings. Enrolling in a telematics program is another way to save based on how safely you drive. Be sure to explore your options to find what works best for you.
Here are some insurance discounts that could apply to you:
Bundling policies
Bundling your auto and home insurance—or combining other policies like tenant or condo insurance—can significantly reduce your premiums. Insurance companies appreciate customer loyalty and often reward it with discounts. Savings can reach up to 20% or more. By taking advantage of this, you not only simplify your insurance management but also save a chunk of change.
Multi-vehicle discount
If your household has more than one car, insuring them under the same policy can lead to big savings. This is because insurers offer discounts (up to 15%) for placing multiple vehicles together under one account. It’s an easy win for families or households with multiple drivers, as it combines coverage while cutting costs.
Loyalty discounts
Insurance companies love loyal customers, and they often show it by reducing premiums for those who stick with them year after year. The longer you stay, the more you save—it can range from 5% after one year to as much as 10% for a decade of loyalty. If you’re happy with your insurer and their service, this discount is an excellent perk.
Higher deductibles
Choosing a higher deductible (the amount you pay out of pocket in a claim) can reduce your annual premiums by 5-10%. While the trade-off means you’d pay more in case of an accident, it’s a smart option for drivers who are confident in their safe-driving habits and want lower upfront costs.
Paying annually
Paying your entire premium in one annual payment instead of monthly installments can save you money by avoiding administrative or installment fees. While it requires a larger payment upfront, it’s a simple way to cut down on overall costs.
Telematics programs
Telematics are devices which can be added to you car or through a mobile app, which monitor your driving habits, such as speed, braking and mileage, rewarding safe drivers with lower premiums. They offer benefits like fairer rates for low-mileage drivers, personalized discounts and improved driving awareness. To maximize savings, you should focus on consistent safe driving, reduce high-risk night trips and choose a telematics program that best fits your needs.
Winter tires
Installing winter tires is not only smart for safely navigating Canada’s icy roads, but it can also reduce your premiums by 2%-5%. Some provinces, like Ontario, even require insurers to offer this discount. If you regularly switch to winter tires, make sure your insurer knows about it.
Anti-theft devices
Vehicles with anti-theft systems, like alarms or tracking devices, are less likely to be stolen, and insurers recognize this by offering discounts up to 15%. If your car doesn’t come with built-in anti-theft features, consider installing an aftermarket system to take advantage of this savings opportunity.
Should you buy or lease your Subaru Impreza?
The Subaru Impreza is a reliable, all-wheel-drive car that’s perfect for daily commutes, road trips, and even tackling tough weather conditions. But should you buy or lease one? It all depends on your lifestyle, budget, and how long you plan to keep the car. Here’s a breakdown of the pros and cons of each option to help you decide:
Leasing
Advantages:
- Lower monthly payments: Leasing usually costs less per month compared to buying, making it easier on your budget.
- Drive the latest models: Leasing lets you upgrade to a new Impreza every few years, so you’ll always have the latest features and tech.
- Warranty coverage: Most leases include full warranty coverage, so you won’t have to worry about unexpected repair costs.
- Flexibility: Leasing is ideal if you like short-term commitments or enjoy switching to a new car every few years.
Disadvantages:
- Mileage limits: Leases come with annual mileage restrictions. If you drive a lot, you could face extra fees for exceeding the limit.
- No ownership: At the end of the lease, you don’t own the car. All your payments go toward “renting” it, not building equity.
- Limited customization: You can’t make permanent modifications to a leased car. Any changes must be removed before returning it.
- Wear and tear costs: Excessive wear, like tire or suspension damage from rough roads, could lead to extra charges when the lease ends.
Buying
Advantages:
- Full ownership: Once you’ve paid off your Impreza, it’s yours to keep, and you won’t have monthly payments anymore.
- No mileage limits: Drive as much as you want without worrying about extra fees for going over a set limit.
- Customization freedom: You can personalize your Impreza however you like, from adding roof racks to upgrading the interior.
- Long-term value: If you plan to keep your car for many years, buying is often more cost-effective in the long run.
- Resale value: Subarus, including the Impreza, hold their value well. If you decide to sell, you could recoup a good portion of your investment.
Disadvantages:
- Higher upfront costs: Buying requires a larger down payment or full payment upfront, which can be a financial strain.
- Repair costs: Once the warranty expires, you’re responsible for all maintenance and repair expenses.
- Depreciation: While Subarus hold their value well, all cars lose value over time, which could impact your investment.
- Less upgrade flexibility: If you want a newer model, you’ll need to sell or trade in your current car, which can take time and effort.
Whether you choose to buy or lease, the Subaru Impreza is a dependable, versatile car that fits a variety of lifestyles. Think about your driving habits, budget, and long-term plans to make the best choice for you!
Protecting your Impreza with Subaru Protection Plan
Subaru Protection Plan (SPP), meant to complement your insurance, is designed to help car owners avoid unexpected and costly repairs bills. It comes into effect after the expiration of Subaru’s 36-month/60,000-km New Vehicle Limited Warranty.
All three plans include membership in the Subaru 360 C.A.R.E. (Customer Assistance for Roadside Emergencies) program, which provides quick and courteous roadside assistance in Canada and the United States.
The plan has three levels of protection:
Powertrain Protection
Available for new Subaru vehicles only, this is the cheapest plan available, covering the engine, turbocharger/supercharger, transmission, transfer case and drive axel.
Major Protection
Available for new Subaru vehicles only, this is the second most affordable plan available, covering everything under the Powertrain Protection plan, plus steering, bakes, fuel delivery, front and rear suspension and restraint systems.
Complete Protection
Available for new and Certified Per-owned Subaru vehicles, this is the most expensive yet also most comprehensive plan, covering everything under the Powertrain Protection and Major Protection plans, plus virtually every mechanical part on your vehicle, except for those excluded under the general provisions section of the plan.
