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    Thread: Subaru Impreza 2.5RS insurance: why so high?

    1. Member spongebob_squarepants's Avatar
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      03-10-2005 07:23 PM #1
      I'm in my 30's with a clean driving record and I got a quote on a new Impreza (plain ol' 2.5RS, not WRX) today but was pretty surprised at the quote: $1290/yr.
      The weird thing is my '01 1.8T Jetta, which is faster and had a higher msrp, is $28/mo less to insure. Although the VW is 4 years old, it was never as much as the Subie to insure.
      Is it because the WRX has driven up rates for all Imprezas, maybe it's a hot theft target or something, any ideas?
      I got a quote on a GTO a couple months ago - same as the base Impreza.
      It's not like this will dissuade me from purchasing the car, but it does suck a bit.

    2. Member bc's Avatar
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      03-10-2005 07:27 PM #2
      You're lucky. I am paying almost $1800/year for my RS. Lowest I could find.

    3. 03-10-2005 07:38 PM #3
      It's probably the vast amount of 17yr old LOL 2 FAST 2 FURIOUS kids that think AWD = invincible until the first time they take it out in the snow and total it.

    4. 03-10-2005 07:40 PM #4
      Shoot, my 20th anniv. GTI cost me $320/mo! $3800/yr! I love my 92 8v!

    5. Member Boxer2100's Avatar
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      03-10-2005 08:37 PM #5
      Quote, originally posted by chavez »
      It's probably the vast amount of 17yr old LOL 2 FAST 2 FURIOUS kids that think AWD = invincible until the first time they take it out in the snow and total it.

      'Xactly.
      Theft rates might play a part too.

    6. Member spongebob_squarepants's Avatar
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      03-10-2005 08:52 PM #6
      Quote, originally posted by savethefleas »
      Shoot, my 20th anniv. GTI cost me $320/mo! $3800/yr! I love my 92 8v!

      Yeah, I guess it's all relative. But when I'm used to $79/mo for ins and then find out an Impreza would go up to $107/mo that still sucks.

    7. Senior Member J-Tim's Avatar
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      03-10-2005 08:52 PM #7
      Quote, originally posted by chavez »
      It's probably the vast amount of 17yr old LOL 2 FAST 2 FURIOUS kids that think AWD = invincible until the first time they take it out in the snow and total it.

      Yup... and the F2F punks have a LOT to do with it.
      Just wait 'till the WRXs get older and more affordable for kids, then it'll become one of the most expencive cars to insure.
      That's exactly what's happening here in Australia.
      “I would request that my body in death be buried not cremated, so that the energy content contained within it gets returned to the earth, so that flora and fauna can dine upon it, just as I have dined upon flora and fauna during my lifetime” - Neil deGrasse Tyson.

    8. Member Jeff_DML's Avatar
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      03-10-2005 08:56 PM #8
      yep, insurance for my wrx keeps going up
      insurance rep
      "your car has been reclassified, blah blah blah"

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      03-10-2005 09:04 PM #9
      Quote, originally posted by spongebob_squarepants »
      I'm in my 30's with a clean driving record and I got a quote on a new Impreza (plain ol' 2.5RS, not WRX) today but was pretty surprised at the quote: $1290/yr.
      The weird thing is my '01 1.8T Jetta, which is faster and had a higher msrp, is $28/mo less to insure. Although the VW is 4 years old, it was never as much as the Subie to insure.
      Is it because the WRX has driven up rates for all Imprezas, maybe it's a hot theft target or something, any ideas?
      I got a quote on a GTO a couple months ago - same as the base Impreza.
      It's not like this will dissuade me from purchasing the car, but it does suck a bit.

      Because the RS is 2 doors, thats an extra $300-400 charge. Why do you think Subaru made the WRX 4 door. The WRX gets a performance charge for being over 200HP with a turbo.
      If you buy an old Legacy 2.5GT (non-turbo)sedan, the insurance will be 40% less than what you're paying.

    10. Member Boxer2100's Avatar
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      03-10-2005 09:08 PM #10
      Now someone explain to me why a MkIII GTI costs twice as much to insure as a Mini Cooper S with equal or greater capability. Damn, I hate insurance.

    11. Senior Member J-Tim's Avatar
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      03-10-2005 09:11 PM #11
      Quote, originally posted by Boxer2100 »
      Now someone explain to me why a MkIII GTI costs twice as much to insure as a Mini Cooper S with equal or greater capability. Damn, I hate insurance.

      Check the resale value and general age of both of those cars.
      That'll explain.
      “I would request that my body in death be buried not cremated, so that the energy content contained within it gets returned to the earth, so that flora and fauna can dine upon it, just as I have dined upon flora and fauna during my lifetime” - Neil deGrasse Tyson.

    12. 03-10-2005 09:13 PM #12
      Quote, originally posted by chavez »
      It's probably the vast amount of 17yr old LOL 2 FAST 2 FURIOUS kids that think AWD = invincible until the first time they take it out in the snow and total it.

      it gets soo old that people think insurance is high on every car because of young drivers

    13. Senior Member J-Tim's Avatar
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      03-10-2005 09:16 PM #13
      Quote, originally posted by Jettavr666 »
      it gets soo old that people think insurance is high on every car because of young drivers

      Most of the time that's the biggest factor. Younger driver = more chance of an accident.
      “I would request that my body in death be buried not cremated, so that the energy content contained within it gets returned to the earth, so that flora and fauna can dine upon it, just as I have dined upon flora and fauna during my lifetime” - Neil deGrasse Tyson.

    14. Member spongebob_squarepants's Avatar
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      03-10-2005 09:16 PM #14
      Quote, originally posted by Vision33r »
      Because the RS is 2 doors, thats an extra $300-400 charge. Why do you think Subaru made the WRX 4 door.

      WTF are you talking about? The Impreza 2.5RS is a 4 door sedan.
      http://www.subaru.com/shop/ove...rview

    15. Member Boxer2100's Avatar
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      03-10-2005 09:25 PM #15
      Quote, originally posted by J-Tim »
      Check the resale value and general age of both of those cars.
      That'll explain.

      Yes, the newer and 3x more valuable car costs nearly half as much to insure. That was what I was getting at above.

    16. Member Thrice's Avatar
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      03-10-2005 09:40 PM #16
      Quote, originally posted by spongebob_squarepants »
      WTF are you talking about? The Impreza 2.5RS is a 4 door sedan.
      http://www.subaru.com/shop/ove...rview

      Yeah maybe the most recent generation, but that doesn't mean it's always been that way. The guy probably just thought he was talking about the 95-00(?) models. Even though the original poster stated "new".

    17. 03-10-2005 10:48 PM #17
      Quote, originally posted by Vision33r »
      Because the RS is 2 doors, thats an extra $300-400 charge. Why do you think Subaru made the WRX 4 door. The WRX gets a performance charge for being over 200HP with a turbo.
      If you buy an old Legacy 2.5GT (non-turbo)sedan, the insurance will be 40% less than what you're paying.

      Did the USDM not get the 4-door 2.5RS?

    18. 03-10-2005 10:59 PM #18
      I just got my insurance quote for the GTO... 6200/year
      *bends over so his insurance company can get a clear shot*

    19. Member spongebob_squarepants's Avatar
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      03-10-2005 11:28 PM #19
      I wonder if the Saab 9-2X's are cheaper to insure than corresponding Subarus, hmmm...

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      03-11-2005 12:28 AM #20
      Quote, originally posted by jer95vento »
      I just got my insurance quote for the GTO... 6200/year
      *bends over so his insurance company can get a clear shot*


      Hope you get a reach around with that.

    21. Member Troike's Avatar
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      03-11-2005 01:48 AM #21
      Quote, originally posted by chavez »
      It's probably the vast amount of 17yr old LOL 2 FAST 2 FURIOUS kids that think AWD = invincible until the first time they take it out in the snow and total it.

      Hehe .. A 1st Gen 2.5 RS or an S14 240SX were the cars I really wanted, but couldn't afford any decent ones when I was 18 ... no doubt I would have totalled either one by now, plus, insurance was much higher.
      But with a perfect driving record (never even been stopped) and a 4.0GPA, I still pay $1400 a year for my Golf insurance ... and an Integra would have been $2400!!
      So don't feel bad.
      << so it Hz >>

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    22. 03-11-2005 02:31 AM #22
      i was reading in a newspaper article today (toronto star)
      and the subaru wrx awd is #1 for the most stolen vehicle according to insurance companies in canada
      mind you its only #1 for 2002-2003 models
      for all years i think ITR is number one or something
      but the high rate of stolen wrx's might have affected the price for impreza's alltogether?

    23. Member SinisterMind's Avatar
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      03-11-2005 08:00 AM #23
      Quote, originally posted by djentranced &raquo;
      i was reading in a newspaper article today (toronto star)
      and the subaru wrx awd is #1 for the most stolen vehicle according to insurance companies in canada
      mind you its only #1 for 2002-2003 models
      for all years i think ITR is number one or something
      but the high rate of stolen wrx's might have affected the price for impreza's alltogether?

      All ITR's are already stolen

    24. Member yo vanilla's Avatar
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      03-11-2005 08:13 AM #24
      Quote, originally posted by chavez &raquo;
      It's probably the vast amount of 17yr old LOL 2 FAST 2 FURIOUS kids that think AWD = invincible until the first time they take it out in the snow and total it.

      that's probably the lamest thing i'm going to hear all day
      fwiw, my wrx cost me $780ish/yr full coverage. i live in a pretty safe area though, and i have a clean record <knocks on wood>
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    25. Member nemesis099's Avatar
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      03-11-2005 08:38 AM #25
      Check and see what a new Jetta would cost to insure compared to a new RS. When I did my research the Jetta was only $100/year less then a WRX and the RSX-S was more expensive. I was kind of suprised by the prices but I was also under 25 which is usually where the prices drop.

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