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.

U.S. average insurance prices for a Subaru WRX are $1,230 every 12 months with full coverage. Comprehensive costs on average $260 each year, collision costs $446, and liability costs around $388. Liability-only coverage costs as low as $434 a year, with high-risk coverage costing around $2,658. Teenage drivers pay the highest rates at $4,602 a year or more.

Average premium for full coverage: $1,230

Price estimates by individual coverage:

Price estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and WRX models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on auto insurance rates. Rural areas have more infrequent collision claims than densely populated cities.

The graphic below illustrates the difference location can make on car insurance rates.

The ranges above demonstrate why all drivers should compare prices based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below details estimated Subaru WRX insurance rates for different risk profiles and scenarios.

• The best discount rate is $708
• Using higher $1,000 deductibles will save around $160 annually
• The average price for the average middle-age driver with $500 deductibles is $1,230
• Using low deductibles for physical damage coverage increases the price to $1,542
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,658 or more
• The price to insure a 16-year-old driver may cost $4,602 or more

View Chart as Image

Auto insurance prices for a Subaru WRX are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your WRX.

Using high physical damage deductibles could cut prices by as much as $480 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 43% to 136% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Subaru WRX insurance prices. A driver around age 40 might see prices as low as $890 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,660 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices may be quite different.

How to Shop for Cheaper Subaru WRX Insurance

Getting lower rates on insurance for a Subaru WRX requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates every time your policy renews by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a condensed summary of the information touched on in this article.

• You may be able to save as much as $150 per year simply by quoting online in advance
• Teens are charged the highest prices, costing up to $384 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles could save as much as $475 each year
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,430 more each year for WRX insurance
• Insureds who require higher liability limits will pay an extra $430 every year to increase from a low limit to a 250/500 level

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.