Subaru WRX Insurance Rates

If you are struggling with the best way to shop for a Subaru WRX insurance policy that you can depend on, look no further. The average Subaru WRX insurance rates are $1,394 per year for WRX insurance and that average figure is based on a variety of factors like the age of the vehicle.

For example, a 2015 Subaru WRX insurance costs less than what you might end up paying for the newest model. We have detailed all of the information you need to know to secure a quality policy that matches your needs and budget.

Feel free to get started by reading through the information below. And don’t forget to enter your five-digit ZIP code in our free online tool to compare Subaru WRX rates from multiple companies.

The average auto insurance rates for a Subaru WRX are $1,230 annually for full coverage. Comprehensive costs on average $260 a year, collision insurance costs $446, and liability coverage is $388. Buying just liability costs around $434 a year, and insurance for high-risk drivers costs around $2,658. Teens cost the most to insure at up to $4,602 a year.

Average premium for full coverage: $1,230

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and WRX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why it is important to compare rates quotes based on a specific location and their own personal driving habits, rather than using averaged prices.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below shows average Subaru WRX insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $708
• Raising to $1,000 deductibles will save around $1,070 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,230
• Selecting low $100 deductibles will cost $1,542
• Unlucky drivers with serious driving violations could pay upwards of $2,658
• Policy cost with full coverage for a teenage driver may cost $4,602

View Chart as Image

Insurance rates for a Subaru WRX also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $480 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Subaru WRX insurance rates. A middle-age driver might find rates as low as $810 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,750 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy the Cheapest Subaru WRX Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and determing if full coverage is necessary. Set aside time to compare rates at every other renewal by getting price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a recap of the concepts that were covered above.

• Drivers that have major violations or accidents may be required to pay an average of $1,430 more each year to insure a Subaru WRX
• Drivers under the age of 20 pay the highest rates, costing up to $384 each month including comprehensive and collision insurance
• Drivers can save as much as $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Drivers can save as much as $150 per year just by quoting early and online

As you can see from some of the information we’ve gone over to this point, there are several individual factors that influence WRX insurance rates. Take advantage of our free quote tool below to start comparing quotes from multiple companies.

What are the Subaru WRX safety ratings?

Average insurance for a Subaru WRX can vary depending upon the safety ratings of the particular model you drive.

Take a look at the following safety ratings of the Subaru WRX as determined by the Insurance Institute for Highway Safety (IIHS).

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

For a brief frame of reference, “Good” is the highest rating possible. The fact that the Subaru WRX received this score in every part of the car that was tested is great news if you like cheap insurance rates.

Subaru WRX Compared Against Other Vehicles in the Same Class

If you are curious to know how the Subaru WRX stacks up to other similar models, take a look at the following small four-door sedans. 

Each page provides information on the insurance rates for each comparable model so you can cross-reference them with the Subaru WRX.

• Nissan Versa
• Toyota Prius
• Mazda 3

Data from the IIHS shows that the Subaru WRX has a bodily injury loss percentage of -12 percent and a property damage loss percentage of -16 percent. Both of these figures are better than average for this vehicle class, which will contribute to lower insurance rates.

Now that we have gone into great detail about how Subaru WRX insurance rates are calculated, is there anything we might have missed? If not, start comparing Subaru WRX quotes from multiple companies by taking advantage of our free online tool.