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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.

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    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.

      The gloves are off, the wisdom teeth are out
      What you on about ?

    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.

      The gloves are off, the wisdom teeth are out
      What you on about ?

    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".
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    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 »
      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 »
      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.

    26. Member mr_e1974's Avatar
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      03-11-2005 08:38 AM #26
      Quote, originally posted by Jeff_DML »
      yep, insurance for my wrx keeps going up

      insurance rep

      "your car has been reclassified, blah blah blah"


      I get the same BS from mine about the GTI....in 2 years it's gone from $650/ 6 months to $880/ 6 months. CLEAN record, no claims, no nothing....they keep saying...."well it's been reclassified...again. If you want cheep insurance get a Pontiac Grand Prix....."

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    27. 03-11-2005 08:45 AM #27
      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.

      the GC 2.5RS was initially released as a 2 door, than later the 4-door was added (minus the huge spoiler). the GD's are all 4-doors for the Impreza body


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      03-11-2005 08:49 AM #28
      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*

      And this surprises you? An 18 year old with a 400hp car. Come one, you are the reason ALL our insurance rates suck. As long as young kids get high powered cars, rates will continue to go up.


    29. 03-11-2005 08:52 AM #29
      I have more than one car on my plan, but i got a quote for only my sti for $1800. I thought it was funny when it went down when i bought it and traded in my 2002 gti 1.8t. Although i think its rasied since then.

    30. 03-11-2005 09:17 AM #30
      Quote, originally posted by nemesis099 »
      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.

      More than likely the insurance increase cost is strictly due to the fact that the car is 5 years newer and not for any other reason.

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      03-11-2005 10:12 AM #31
      Quote, originally posted by djentranced »
      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?

      I know there are people who had their WRX stolen twice but still would rather get their WRX back instead of getting a different car.. now that says a lot about loyalty and another reason why the theft rate is still high because the owners wouldn't abandon their affection for it.


    32. Member nemesis099's Avatar
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      03-11-2005 10:44 AM #32
      Quote, originally posted by Vision33r »

      I know there are people who had their WRX stolen twice but still would rather get their WRX back instead of getting a different car.. now that says a lot about loyalty and another reason why the theft rate is still high because the owners wouldn't abandon their affection for it.

      I haven't had mine stolen but I love my WRX. Its fun to drive and has been reliable. I wish my wife could drive manual so she wouldn't want to get rid of it when the lease is up. I would rather keep it then get a new car and won't get another WRX since it would be an auto which would suck.


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      03-11-2005 10:51 AM #33
      Quote, originally posted by nemesis099 »

      I haven't had mine stolen but I love my WRX. Its fun to drive and has been reliable. I wish my wife could drive manual so she wouldn't want to get rid of it when the lease is up. I would rather keep it then get a new car and won't get another WRX since it would be an auto which would suck.

      I drove an auto WRX with an upgraded gear ratio, the ratios are pretty good, more geared for the highway but still not as fun as launching at 4000rpm with the rollercoaster take-off effects..


    34. Member REDLINED600's Avatar
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      03-11-2005 12:42 PM #34
      Whats really funny is the WXR was only ~$10 more a month to insure than my zx-2. figure that one out. that makes it a definate future consideration

    35. Member nemesis099's Avatar
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      03-11-2005 01:31 PM #35
      Quote, originally posted by REDLINED600 »
      Whats really funny is the WXR was only ~$10 more a month to insure than my zx-2. figure that one out. that makes it a definate future consideration


      2 door vs 4 door. 2 door cars are usually more expensive to insure then 4 door cars. If I remember right the prices I was quoted when I purchased my WRX was 1700/year for a jetta 1.8T, 1800/year for the WRX and 2100/year for the RSX-S. I would have though the turbo models would cost more to insure but I was wrong.


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