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.

The average insurance prices for a Subaru WRX are $1,230 every 12 months for full coverage insurance. Comprehensive costs on average $260 each year, 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 around $2,658. Teenage drivers cost the most to insure at up to $4,602 a year.

Average premium for full coverage: $1,230

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and WRX models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Rural areas are shown to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why all drivers should compare prices based on a specific location and their own driving history, instead of using average rates.

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

Additional Rate Analysis

The chart below illustrates average 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 each year
• The average price for a good driver age 40 with $500 deductibles is $1,230
• Using low deductibles for physical damage coverage increases the price to $1,542
• Drivers who are prone to accidents and violations could pay upwards of $2,658
• Policy cost to insure a teen driver may cost $4,602 or more

View Chart as Image

Insurance rates for a Subaru WRX also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your WRX.

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

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 136% more than a normal policy. View High Risk Driver Rates

Your home state 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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,660 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for Cheaper Subaru WRX Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, having good credit, being claim-free, and determing if full coverage is necessary. Take the time to compare rates every other policy renewal by getting rate quotes from direct insurance companies, and also from several local insurance agents.

Below is a condensed summary of the ideas that were covered in the above illustrations.

• Teenage drivers pay the highest rates, possibly costing $384 each month if they have full coverage
• Higher risk drivers with multiple at-fault accidents pay on average $1,430 more each year for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• It is possible to 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.