How to Save on Subaru Impreza Insurance in Honolulu

Unfortunately, most consumers have stayed with the same insurance company for at least the last four years, and just under half have never shopped around. Most drivers in Hawaii can save hundreds of dollars each year by just shopping around, but they don’t want to take the time to find cheap rates by getting comparison quotes.

Insurance rates Subaru Impreza in HonoluluIf you want to find the absolute lowest rates, then the best way to get low-cost Subaru Impreza insurance is to start comparing prices regularly from insurers who provide auto insurance in Honolulu.

  1. Spend a few minutes and learn about how companies set rates and the measures you can take to keep rates low. Many rating factors that cause high rates such as speeding tickets, accidents and a bad credit rating can be rectified by paying attention to minor details. This article gives additional ideas to get affordable coverage and find hidden discounts.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can provide prices for many different companies.
  3. Compare the new rate quotes to your existing rates and see if there is a cheaper rate in Honolulu. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.

A key point to remember is to use identical coverages on every price quote and and to get prices from as many auto insurance providers as possible. This provides an apples-to-apples comparison and the best price selection.

Best companies for Subaru Impreza insurance

The companies in the list below can provide free rate quotes in Honolulu, HI. If multiple companies are listed, it’s highly recommended you visit several of them to get a more complete price comparison.

Subaru Impreza detailed coverage information

The price information shown below outlines different insurance prices for Subaru Impreza models. Having a better understanding of how insurance rates are calculated is important to be able to make informed decisions when shopping around for a new policy.


Subaru Impreza Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $126 $178 $264 $16 $80 $664 $55
Impreza 2.5I 4WD Station Wagon $126 $178 $264 $16 $80 $664 $55
Impreza Outback Sport 4WD Station Wagon $126 $216 $264 $16 $80 $702 $59
Impreza 2.5I AWD 4-Dr $142 $216 $264 $16 $80 $718 $60
Impreza 2.5I Premium Package AWD 4-Dr $142 $256 $264 $16 $80 $758 $63
Impreza WRX 4WD Station Wagon $142 $256 $264 $16 $80 $758 $63
Impreza 2.5 GT 4WD Station Wagon $158 $256 $264 $16 $80 $774 $65
Impreza WRX AWD 4-Dr $158 $294 $264 $16 $80 $812 $68
Impreza 2.5I GT AWD 4-Dr $158 $294 $264 $16 $80 $812 $68
Impreza WRX STI 4WD Station Wagon $158 $294 $264 $16 $80 $812 $68
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in vehicle garaging location which can increase or decrease premium rates greatly.

Physical damage deductible comparison

One of the more difficult decisions when buying auto insurance is how high or low should comp and collision deductibles be. The rates shown below may help you to understand the price difference when you select higher and lower coverage deductibles. The first data table uses a $250 deductible and the second set of prices uses a $500 deductible.


Subaru Impreza insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $204 $284 $264 $16 $80 $873 $73
Impreza 2.5I 4WD Station Wagon $204 $284 $264 $16 $80 $873 $73
Impreza Outback Sport 4WD Station Wagon $204 $344 $264 $16 $80 $933 $78
Impreza 2.5I AWD 4-Dr $230 $344 $264 $16 $80 $959 $80
Impreza 2.5I Premium Package AWD 4-Dr $230 $406 $264 $16 $80 $1,021 $85
Impreza WRX 4WD Station Wagon $230 $406 $264 $16 $80 $1,021 $85
Impreza 2.5 GT 4WD Station Wagon $258 $406 $264 $16 $80 $1,049 $87
Impreza WRX AWD 4-Dr $258 $468 $264 $16 $80 $1,111 $93
Impreza 2.5I GT AWD 4-Dr $258 $468 $264 $16 $80 $1,111 $93
Impreza WRX STI 4WD Station Wagon $258 $468 $264 $16 $80 $1,111 $93
Get Your Own Custom Quote Go

Subaru Impreza insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impreza 2.5I 4WD Station Wagon $166 $228 $264 $16 $80 $754 $63
Impreza 2.5I 4WD Station Wagon $166 $228 $264 $16 $80 $754 $63
Impreza Outback Sport 4WD Station Wagon $166 $278 $264 $16 $80 $804 $67
Impreza 2.5I AWD 4-Dr $188 $278 $264 $16 $80 $826 $69
Impreza 2.5I Premium Package AWD 4-Dr $188 $328 $264 $16 $80 $876 $73
Impreza WRX 4WD Station Wagon $188 $328 $264 $16 $80 $876 $73
Impreza 2.5 GT 4WD Station Wagon $210 $328 $264 $16 $80 $898 $75
Impreza WRX AWD 4-Dr $210 $378 $264 $16 $80 $948 $79
Impreza 2.5I GT AWD 4-Dr $210 $378 $264 $16 $80 $948 $79
Impreza WRX STI 4WD Station Wagon $210 $378 $264 $16 $80 $948 $79
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in specific location information which can affect prices significantly.

We can derive from the above data that using a $250 deductible costs an average of $12 more each month or $144 every year across all Subaru Impreza models than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average more than 21 months between claims, you would more than likely save some money if you opt for a higher deductible. Here’s an example of how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $84
Average monthly premium for $500 deductibles (subtract): – $72
Monthly savings from raising deductible: $12
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One important caveat is that a higher deductible level means you will have to cover more of the damage yourself at claim time. You must have enough disposable income in the event you need to pay the higher deductible in order to repair your vehicle.

The example below shows how choosing a deductible and can raise or lower Subaru Impreza annual premium costs for different categories of driver ages. The information is based on a married male driver, full physical damage coverage, and no additional discounts are factored in.

Lower rate quotes by receiving these eight discounts

Companies don’t necessarily list the complete list of policy discounts in an easy-to-find place, so the list below contains some of the best known and the more hidden credits available to lower your premiums when you buy Honolulu auto insurance online.Discount auto insurance

Policy discounts save money, but most credits do not apply to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.

The example below compares Subaru Impreza annual premium costs with and without some available policy discounts. The price estimates are based on a female driver, a clean driving record, no claims, Hawaii state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-car, multi-policy, and homeowner discounts applied.

The best auto insurance companies and a partial list of their discounts include:

If you are trying to find affordable Honolulu auto insurance quotes, ask every prospective company how many discounts you can get. Some discounts listed above may not apply in your area. To locate providers that offer multiple discounts in Honolulu, follow this link.

Local Honolulu insurance agents

Many drivers still like to talk to an insurance agent and often times that is recommended An additional benefit of comparing auto insurance online is that you can find cheap auto insurance quotes and still have an agent to talk to.

Insurance agency in HonoluluAfter filling out this quick form, your information is instantly submitted to local insurance agents who will give competitive quotes for your coverage. You don’t have to leave your computer as quotes are delivered instantly to you. You can find better rates without a big time investment. If you wish to get a comparison quote from a specific insurance company, you can always navigate to their website and fill out their quote form.

Choosing an insurer should include more criteria than just the premium amount. The questions below may impact your decision as well.

Auto insurance coverage information

Understanding the coverages of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Impreza.

Due to the fact that many Hawaii drivers only carry the minimum required liability limits (Hawaii limits are 20/40/10), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like nursing services, rehabilitation expenses, dental work, surgery and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

This provides protection from injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 20/40/10 which stand for $20,000 in coverage for each person’s injuries, $40,000 for the entire accident, and property damage coverage for $10,000.

Liability can pay for claims like attorney fees, pain and suffering, bail bonds and structural damage. How much coverage you buy is up to you, but consider buying higher limits if possible. Hawaii requires minimum liability limits of 20/40/10 but it’s recommended drivers buy higher limits.

The next chart shows why minimum state limits may not provide you with enough coverage.

Collision protection

This coverage pays for damage to your Impreza from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, rolling your car, colliding with a tree and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Impreza to get cheaper collision coverage.

Comprehensive car insurance

This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from flooding, hail damage, vandalism and hitting a deer. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Find affordable car insurance rates by comparing often

Consumers who switch companies do it for any number of reasons including denial of a claim, high rates after DUI convictions, extreme rates for teen drivers and poor customer service. Regardless of your reason, switching companies is actually quite simple.

In this article, we presented some good ideas how to compare Subaru Impreza insurance prices in Honolulu. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the best prices are with a smaller regional carrier.

Cheaper Subaru Impreza insurance in Honolulu is definitely available online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies do not provide the ability to get a quote online and usually these small, regional companies only sell coverage through independent insurance agents.

Even more information is available in these articles: