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 rates for a Subaru WRX are $1,264 a year for full coverage insurance. Comprehensive costs around $270, collision costs $474, and liability insurance costs $384. A policy with just liability insurance costs as little as $432 a year, with coverage for high-risk drivers costing around $2,736. 16-year-old drivers pay the highest rates at $4,710 a year or more.

Average premium for full coverage: $1,264

Price estimates for individual coverage:

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different WRX trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than congested cities.

The price range example below illustrates the difference location can make on auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates 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 Analysis

The chart below illustrates estimated Subaru WRX insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $724
• Drivers who choose higher $1,000 deductibles will pay about $168 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,264
• Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,592
• High risk drivers with multiple tickets or accidents could pay at least $2,736 or more
• The price for full coverage for a teen driver with full coverage can be $4,710 a year

View Chart as Image

Insurance prices for a Subaru WRX are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $4,700 a year. View Rates by Age

The state you live in makes a big difference in Subaru WRX insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $500 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $345 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to compare prices from as many companies as possible. Every company utilizes a different rate formula, so the prices may be quite different from one company to the next.

How to Find the Right Subaru WRX Insurance

Getting lower rates on Subaru WRX insurance not only requires avoiding accidents and violations, but also maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates at least once a year by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a quick rundown of the primary concepts that were touched on in this article.

• It is possible to save up to $150 per year simply by shopping early and online
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,470 more every year for car insurance
• Increasing physical damage deductibles can save around $500 each year
• Teenagers pay higher prices, as much as $393 a month for full coverage

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.