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.

Average auto insurance rates for a Subaru WRX are $1,230 annually for full coverage insurance. Comprehensive insurance costs approximately $260, collision insurance costs $446, and liability costs around $388. Buying just liability costs as low as $434 a year, and insurance for high-risk drivers costs $2,658 or more. Teenage drivers receive the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all WRX models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations tend to have fewer physical damage claims than densely populated cities. The example below illustrates how your location can change auto insurance prices.

These examples illustrate why everyone should compare prices using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below illustrates average Subaru WRX insurance rates for additional coverage and risk scenarios.

• The best discount rate is $708
• Using higher $1,000 deductibles will save $160 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,230
• Using pricier low deductibles for physical damage coverage costs an additional $312 annually
• High-risk insureds who are prone to accidents and violations could pay around $2,658
• The cost with full coverage for a 16-year-old driver for full coverage can cost $4,602 or more

View Chart as Image

Auto insurance rates for a Subaru WRX can also vary considerably based on the trim level of your WRX, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,000 in extra premium per year, depending on your age. Subaru WRX insurance for high-risk drivers can be from 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $480 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Subaru WRX insurance prices. A driver around age 40 might see rates as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,660 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy Affordable Subaru WRX Insurance

Saving money on insurance for a Subaru WRX requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to shop around at every other renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The points below are a brief review of the concepts that were illustrated above.

• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,430 more per year to insure a Subaru WRX
• Drivers under the age of 20 have the highest car insurance rates, costing up to $384 per month if full coverage is included
• It is possible to save around $150 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $475 each year
• It is possible to save around $150 per year just by quoting online well ahead of the renewal date

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.