Who Has the Cheapest Newark Car Insurance Rates for a Subaru Impreza?

Finding cheaper coverage for a Subaru Impreza in New Jersey is pretty easy to do, but it depends on a lot of rating factors such as your birth date, your geographic location, and your choice of physical damage deductibles. Drivers in New Jersey pay on average $1,827 per year for Impreza insurance, but that amount is an estimation based upon a 50-year-old single male driver with full coverage and $100 deductibles.

More likely than not, you are not 50 years old and maybe not even male, possibly married instead of single, or maybe your Impreza doesn’t need full coverage. Not every driver requires the same auto insurance coverages, so the way we recommend to find cheap car insurance rates for your Subaru is to do your own rate comparisons. It’s really quite easy you will receive rate quotes from the cheapest companies that insure vehicles in New Jersey.

View Subaru Impreza Insurance Rates

Your Subaru’s trim level tends to have a direct effect on the yearly cost, so the price you will pay to insure a Impreza 2.5I 4WD Station Wagon model will be $504 less than the cost to insure the more costly Impreza WRX STI 4WD Station Wagon model, as shown in the table below.

Subaru Impreza Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $356 $632 $544 $32 $162 $1,726 $144
Impreza 2.5I 4WD Station Wagon $356 $632 $544 $32 $162 $1,726 $144
Impreza Outback Sport 4WD Station Wagon $356 $770 $544 $32 $162 $1,864 $155
Impreza 2.5I AWD 4-Dr $402 $770 $544 $32 $162 $1,910 $159
Impreza 2.5I Premium Package AWD 4-Dr $402 $906 $544 $32 $162 $2,046 $171
Impreza WRX 4WD Station Wagon $402 $906 $544 $32 $162 $2,046 $171
Impreza 2.5 GT 4WD Station Wagon $448 $906 $544 $32 $162 $2,092 $174
Impreza WRX AWD 4-Dr $448 $1044 $544 $32 $162 $2,230 $186
Impreza 2.5I GT AWD 4-Dr $448 $1044 $544 $32 $162 $2,230 $186
Impreza WRX STI 4WD Station Wagon $448 $1044 $544 $32 $162 $2,230 $186
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in zip code location which can affect auto insurance rates considerably.

Buying low-cost car insurance is confusing at best, and finding out which companies offer the most affordable auto insurance rates for a Subaru Impreza will take a little more work. Each insurance company has a different process to set premium rates, so let’s begin by taking a look at the auto insurance companies with the most affordable rates in New Jersey.

It’s important to know that New Jersey auto insurance rates are determined by lots of factors which can substantially decrease or increase the policy price. This price variability is why consumers need to perform an extensive rate comparison when trying to find the best car insurance quotes for a Subaru Impreza. Rates are determined by many things and can change without notice, so the cheapest rate the last time you checked may now be an over-priced policy.

Cheapest Insurance Rates for Your Impreza

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Rankings for the cheapest New Jersey auto insurance companies
Rank Company Cost Per Year
1 21st Century $1,100
2 Travelers $1,180
3 New Jersey Manufacturers $1,258
4 Palisades $1,341
5 Penn National $1,366
6 The Hartford $1,491
7 California Casualty $1,495
8 Allstate $1,538
9 USAA $1,585
10 Mercury $1,635
11 Amica $1,832
12 Esurance $1,838
13 Progressive $1,938
14 MetLife $2,010
15 State Farm $2,160
16 GEICO $2,174
17 Encompass $2,303
18 Liberty Mutual $3,008
19 Hanover $3,987
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21st Century generally has some of the most affordable car insurance rates in Newark at around $1,100 each year. This is $752 less than the average rate paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Palisades, and Penn National also make the cut as some of the best Newark, NJ insurance companies.

In the above rates, if you currently buy coverage from Travelers and switched to 21st Century, you may see an annual savings of in the vicinity of $80. New Jersey drivers with New Jersey Manufacturers could save as much as $158 a year, and Palisades insureds might realize rate reductions of up to $241 a year.

To find the cheapest rates for your vehicle, click here to start your custom quote or feel free to get quotes from the companies below.

It’s important to note that these premiums are averages across all types of insureds and vehicles and are not factoring in a specific location for a Subaru Impreza. So the auto insurance company that fits your age and vehicle best may not even be in the top 19 companies in the list above. That’s why you need to get car insurance quotes using your own driver and vehicle profiles.

Responsible drivers pay cheaper auto insurance rates

The common sense way to enjoy low auto insurance rates in New Jersey for an Impreza is to drive safely and not get tickets or have accidents. The example below demonstrates how citations and at-fault collisions can influence auto insurance rates for each different age group. The premium estimates are based on a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

The data above shows the average cost of an auto insurance policy in Newark per year with a clean driving record and no accidents is $2,390. Get written up for two speeding tickets and the average cost jumps to $3,192, an increase of $802 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Subaru Impreza jumps again to an average of $6,401. That’s an increase of $4,011, or $334 per month, just for not driving carefully!

Comparing rates on Impreza insurance can save you money

New Jersey auto insurance rates are influenced by many factors which can substantially decrease or increase the price you pay. Improving your credit rating, moving to a different location, or getting a ticket for running a stop sign can trigger rate changes resulting in some companies being cheaper than others. And not only may your rating factors change, but insurers change the rates they charge in New Jersey as often as every quarter in order to remain profitable. Higher than usual claims can result in price increases, while a better claims history can produce more affordable Impreza insurance rates.

For example, the chart below shows the company with the cheapest car insurance in Newark, NJ for a 40-year-old female driver with no accidents, a clean driving record, and a decent credit rating. When comparing rates based on her current risk profile, 21st Century might offer the best car insurance rates in Newark at $1,608 per year. This is $244 less than the average premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades are also included in the most affordable Newark, NJ auto insurance companies.

Now we will pretend the driver from the first example a chargeable claim, bad credit, and a blemish on her driving record. Since each auto insurance company uses their own formula for setting rates, analyzing rates will most likely result in a significantly different list of the cheapest companies as shown below.

Allstate now has the best price on car insurance in Newark with The Hartford, USAA, Mercury, and Travelers now being in the top five. This shows why Newark drivers need to take the time to shop around to find cheap car insurance rates for a Subaru Impreza.

Auto insurance prices can be altered by many different factors and can change without notice, so the cheapest company two years ago may now be priced much higher than other options.

If you have questions and prefer to get some guidance when comparing insurance rates for an Impreza, the agencies below are a good start to aid you in deciding which policy fits your needs best. To find an auto insurance agency by location nearest to you, click the link after the list.

View more Newark, NJ insurance agencies

How to find the cheapest car insurance for a Subaru Impreza

It is possible to find better rates, and here are some of the better money-saving suggestions that can help Newark drivers locate cheaper coverage.

The last suggestion is notably vital, as was noted in this piece. Prices charged by companies in Newark adjust often, so don’t hesitate to switch carriers if a better deal can be had.

Having a favorite company is great, but it’s not a good idea if that devotion results in you overpaying lots of hard earned cash every month. Spend a few minutes and compare prices and find cheaper auto insurance for a Subaru Impreza.