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.

Estimated insurance rates for a Subaru WRX are $1,264 a year including full coverage. Comprehensive insurance costs an estimated $270, collision insurance costs $474, and liability costs around $384. A policy with only liability insurance costs as low as $432 a year, and a high-risk policy costs $2,736 or more. 16-year-old drivers pay the most at up to $4,710 a year.

Average premium for full coverage: $1,264

Premium estimates broken down by type of coverage:

Full coverage includes $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities. The price range example below illustrates how where you live affects insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on rate averages.

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

More Rate Details

The chart below breaks down average Subaru WRX insurance rates for other coverage scenarios.

• The best full coverage rate is $724
• Using higher $1,000 deductibles will save approximately $168 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,264
• Buying more expensive low deductibles for physical damage coverage will cost an extra $328 annually
• High-risk insureds with multiple tickets or accidents could pay up to $2,736
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost as much as $4,710 or more

View Chart as Image

Car insurance prices for a Subaru WRX also have a wide range based on your driving characteristics, the model of your WRX, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged at least $4,700 a year. View Rates by Age

Where you choose to live has a huge impact on Subaru WRX insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $500 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can be from 45% to 132% more than the average rate. View High Risk Driver Rates

How to Find More Affordable Subaru WRX Insurance

Finding better rates on insurance for a Subaru WRX requires not taking risks behind the wheel, having above-average credit, refrain from filing small claims, and possibly higher deductibles. Take the time to comparison shop every couple of years by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a summary of the material that was touched on in the above illustrations.

• Insureds who want higher liability limits will pay around $420 per year to increase from 30/60 bodily injury limits to 250/500 limits
• Teens have the highest car insurance prices, with the cost nearing $393 per month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,470 more annually for WRX insurance
• Increasing policy deductibles can save around $500 each year

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.