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Subaru Car Insurance Prospectus

The Japanese automobile company Subaru is a division of the huge conglomerate Fuji Heavy Industries since 1953 by founder Kenji Kita. These cars have a symmetrical All Wheel Drive signature terrain on most models since 1972. The headquarters are based in Tokyo and the only other manufacturing facility is in Indiana. Subaru had many partnerships with Toyota, Nissan, and General Motors. Most Subaru cars with 1500cc or more have a boxer engine layout. Some of the popular Subaru models include Forester, Outback, Utility, BRZ and Impreza WRX.

Subaru Car Insurance Impact

The Subaru cars do have very good resale value and are popular all over the world. These cars do have theft deterrent systems and are not easily stolen. Compared to other luxury cars, Subaru does not have a premium price tag. But these cars are priced higher relative to other Japanese cars in the same segment. The cost of repairs and parts is not very expensive and replacement costs are average. So, the cost of insurance is also on an average scale and not very pricey. The Subaru Forester is a very popular model in Canada and U.S. and this SUV has reasonable insurance cost too.

Most sporty vehicles are driven by younger drivers and this could be a reason for the high number of collision rates for those cars. The Subaru Impreza WRX does have a high collision rate as per the IIHS data. Insurance companies look at data such as rollover ratings, crash test results, recalls etc. in a vehicle profile while calculating premium rates.

Subaru Accident Benefit Performance

driving subaru

The safety features inbuilt in Subaru is very advanced and there are many active systems to mitigate a crash impact. ABS, airbags set, collapsible pedals, traction control etc. are some of the features.  The Insurance Institute for Highway Safety gave good safety ratings to many Subaru models. They rated the Subaru Forester model very good for front crash avoidance. The repair costs for Subaru Impreza was higher when tested for a low-speed crash by IIHS. Another car that got good safety ratings was the Subaru Outback model. So, you can imagine the losses due to a high-speed crash of a Subaru with another car.

Subaru Collision And Comprehensive Claim Costs

The likelihood of a car to be involved in a car does drive up the Collision costs. 2006 Subaru Impreza WRX & WRX Sti models do have a high cost for comprehensive claims. There is evidence that some older Subaru models have keys that are interchangeable and could be easy for car thieves. The replacement parts are expensive when bought from a Subaru dealer and shopping online may get a better rate. Some independent collision repair garages may not service All Wheel Drive terrain that most Subaru cars come with. This means those cars will have to be taken to a dealer for repairs and costs more. Subaru cars are affordable and when used with care and proper maintenance a lot of the parts last long and are well built.


About the Author: Robert Davis

He is an insurance content professional with vast knowledge and a special aptitude and interest in imparting insurance education. He has authored many articles on insurance.

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