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.

Estimated insurance rates for a Subaru WRX are $1,230 a year with full coverage. Comprehensive costs around $260, collision insurance costs $446, and liability insurance is estimated at $388. A policy with only liability insurance costs approximately $434 a year, and a high-risk policy costs around $2,658. 16-year-old drivers pay the most at up to $4,602 a year.

Average premium for full coverage: $1,230

Premium estimates for type of coverage:

Prices include $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than congested cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than relying on rate averages.

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

Additional Rate Information

The chart below details average Subaru WRX insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $708
• Choosing higher $1,000 deductibles can save about $160 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $1,230
• Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,542
• High-risk insureds with multiple tickets or accidents could pay at least $2,658
• An auto insurance policy for full coverage for a teen driver with full coverage can be $4,602 each year

View Chart as Image

Car insurance prices for a Subaru WRX also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

An older driver with no driving violations and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $4,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Subaru WRX insurance rates. A good driver about age 40 could pay as low as $890 a year in states like New Hampshire, Ohio, and Utah, or at least $1,660 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $480 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,500 to $2,000 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 136% more than the average rate. View High Risk Driver Rates

How to Find the Right Subaru WRX Insurance

Finding better rates on Subaru WRX insurance takes having a good driving record, having above-average credit, being claim-free, and consideration of higher deductibles. Set aside time to compare rates every year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a quick rundown of the coverage data covered above.

• You may be able to save up to $150 per year just by shopping early and online
• Increasing policy deductibles can save around $475 each year
• Drivers age 20 and younger are the costliest to insure, possibly costing $384 per month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions pay an average of $1,430 more every year to buy Subaru WRX insurance

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.