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2026 Localized Actuarial Study

Subaru Impreza Insurance Cost in Wyoming

Official 2026 rate study for insuring a Subaru Impreza in Wyoming (WY). Compare full coverage against state minimum liability (25/50/20), model year depreciation, and major carrier underwriting benchmarks.

Model Year Rates (2012–2026)
Full Coverage Average
$86/mo
$1,032 / year in Wyoming
State Minimum Liability (25/50/20)
$36/mo
$433 / year (Statutory Minimum)
16-Year-Old Teen Driver
$215/mo
$2,580 / year (Standalone Policy)
Wyoming Actuarial Rate Benchmark

📊 Key Statistics: Subaru Impreza in Wyoming (2026)

Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.

Wyoming Avg Full Coverage: $1,032/yr ($86/mo)
State Minimum Liability: $433/yr ($36/mo)
Statutory Minimum Limits: 25/50/20
Variance vs State Baseline: 33.8% below Wyoming average
Teen Driver Rate (Age 16): $2,580/yr ($215/mo)
NHTSA Safety Rating: 5 / 5 Stars
Actuarial Risk Tier: Low
State Benchmark Baseline: $1,560/yr (All Vehicles)
Suggested Media Attribution: AutoInsure.online (2026 Wyoming Auto Insurance Index)
Dataset ID: AIO-MAT-BEE7D920-2026

Subaru Impreza Rates by Model Year in Wyoming

Depreciation schedule calculated for Wyoming insurance premiums from 2012 to 2026.

2012–2026 Depreciation Curve
Model Year Full Coverage (Annual) Full Coverage (Monthly) State Min Liability Savings vs 2026 Coverage Advice
2026 $1,032 $86/mo $36/mo Baseline Full Coverage (Comp + Collision)
2025 $993 $83/mo $36/mo -4% Full Coverage (Comp + Collision)
2024 $957 $80/mo $37/mo -7% Full Coverage (Comp + Collision)
2023 $923 $77/mo $37/mo -11% Full Coverage (Comp + Collision)
2022 $891 $74/mo $38/mo -14% Full Coverage (Comp + Collision)
2021 $861 $72/mo $38/mo -17% Full Coverage ($1,000 Deductible)
2020 $833 $69/mo $38/mo -19% Full Coverage ($1,000 Deductible)
2019 $807 $67/mo $39/mo -22% Full Coverage ($1,000 Deductible)
2018 $783 $65/mo $39/mo -24% Full Coverage ($1,000 Deductible)
2017 $760 $63/mo $39/mo -26% Consider 10% Rule (Liability Only)
2016 $739 $62/mo $40/mo -28% Consider 10% Rule (Liability Only)
2015 $719 $60/mo $40/mo -30% Consider 10% Rule (Liability Only)
2014 $700 $58/mo $40/mo -32% Consider 10% Rule (Liability Only)
2013 $683 $57/mo $41/mo -34% Consider 10% Rule (Liability Only)
2012 $667 $56/mo $41/mo -35% Consider 10% Rule (Liability Only)

Subaru Impreza Rates by Driver Age in Wyoming

Actuarial loss-cost surcharges and discounts applied by Wyoming carriers based on driver experience.

High Risk Surcharge
Age 16 (Teen Driver)
$215/mo
$2,580 per year
Elevated Risk
Age 18–19 (Young Driver)
$163/mo
$1,961 per year
Moderate Risk
Age 21–24 (Young Adult)
$116/mo
$1,393 per year
Standard Baseline
Age 25–40 (Prime Adult)
$86/mo
$1,032 per year
Lowest Loss Cost Tier
Age 45–60 (Mature Driver)
$76/mo
$908 per year
Low Risk
Age 65+ (Senior Driver)
$82/mo
$980 per year

Estimated Quotes by Carrier: Subaru Impreza in Wyoming

Sample underwriting benchmarks across major carriers serving Wyoming drivers.

Insurance Carrier A.M. Best Rating Estimated Monthly Estimated Annual Action
State Farm A++ $91/mo $1,092/yr
Progressive A+ $80/mo $960/yr
GEICO A++ $80/mo $960/yr
Allstate A+ $92/mo $1,104/yr

Frequently Asked Questions: Subaru Impreza Insurance in Wyoming

How much does it cost to insure a Subaru Impreza in Wyoming? ▾

Full-coverage car insurance for a Subaru Impreza in Wyoming averages approximately $86 per month ($1,032 per year). Drivers opting for statutory state minimum liability (25/50/20) pay approximately $36 per month ($433 per year).

Is Subaru Impreza insurance cheaper or more expensive in Wyoming? ▾

The Subaru Impreza is approximately 33.8% cheaper than the statewide average vehicle insurance rate of $1,560/year in Wyoming. Its Low actuarial risk classification and 5-star crash safety rating help keep physical damage loss ratios stable.

What are the legal minimum insurance requirements for a Subaru Impreza in Wyoming? ▾

Under Wyoming insurance statutes, any motor vehicle registered in the state must carry at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $20,000 property damage liability (25/50/20).

How much does a 16-year-old pay to insure a Subaru Impreza in Wyoming? ▾

A 16-year-old teen driver on a standalone policy pays approximately $215/month ($2,580/year) for full coverage in Wyoming. Parents can substantially lower this surcharge by adding the young driver to a family multi-car policy and submitting good student grade transcripts.

When should I drop full coverage on an older Subaru Impreza in Wyoming? ▾

Apply the actuarial 10% Rule: if the annual cost of comprehensive and collision coverage exceeds 10% of your vehicle's actual cash value (ACV), consider switching to state minimum liability only. In Wyoming, this typically occurs around model year 2018 or older.

Compare Subaru Impreza Insurance Across Other States

See how insurance rates for the Subaru Impreza vary across different state statutory jurisdictions.

2026 Live Rate Comparison

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