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 auto insurance rates for a Subaru WRX are $1,230 annually for full coverage. Comprehensive insurance costs on average $260 each year, collision insurance costs $446, and liability costs $388. Liability-only coverage costs as little as $434 a year, and high-risk coverage costs $2,658 or more. Teenage drivers pay the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Price estimates by individual coverage:

Price estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and WRX models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural areas have fewer accident claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.

The ranges above show why all drivers should compare rates based on a specific location and their own personal driving habits, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $708
• Drivers who choose higher $1,000 deductibles will pay around $160 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,230
• Using low deductibles for comprehensive and collision insurance costs an additional $312 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,658
• The price with full coverage for a teen driver may cost $4,602 a year

View Chart as Image

Auto insurance prices for a Subaru WRX are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,500 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 136% more than a normal policy. View High Risk Driver Rates

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

The state you live in makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $810 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,750 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Cheaper Subaru WRX Insurance

Getting lower rates on car insurance not only requires having a good driving record, but also having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around every other policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a condensed summary of the ideas that were illustrated above.

• Drivers age 20 and younger are charged the highest prices, with premiums as much as $384 a month if full coverage is included
• Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,430 more each year to buy Subaru WRX insurance
• Increasing physical damage deductibles could save up to $475 each year
• Drivers can save as much as $150 per year just by quoting online in advance

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.