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 rates for a Subaru WRX are $1,230 a year for full coverage. Comprehensive insurance costs an estimated $260 each year, collision costs $446, and liability is estimated at $388. Buying just liability costs approximately $434 a year, with insurance for high-risk drivers costing $2,658 or more. Teenage drivers cost the most to insure at $4,602 a year or more.

Average premium for full coverage: $1,230

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates how location helps determine insurance prices.

The examples above show why all drivers should get quotes for a targeted area, instead of using average rates.

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

Additional Rate Analysis

The chart below shows estimated Subaru WRX insurance rates for other coverage scenarios.

• The best discount rate is $708
• Choosing higher $1,000 deductibles can save approximately $160 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,230
• Using low deductibles for comp and collision coverage will cost an additional $312 every year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,658 or more
• Policy cost that insures a teen driver can cost as much as $4,602 each year

View Chart as Image

Insurance rates for a Subaru WRX also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

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

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Subaru WRX insurance prices. A good driver about age 40 could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $480 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so the rates will be varied.

How to Find the Cheapest Subaru WRX Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices every other policy renewal by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The items below are a recap of the ideas that were covered in the charts and tables above.

• Teen drivers are charged the highest rates, costing up to $384 each month if full coverage is included
• Higher risk drivers that have major violations or accidents may pay on average $1,430 more annually to insure their WRX
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Drivers can save approximately $150 per year simply 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.