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 costs around $270 each year, collision insurance costs $474, and liability insurance costs around $384. Liability-only coverage costs as low as $432 a year, and high-risk coverage costs around $2,736. Teenage drivers pay the most at up to $4,710 a year.

Average premium for full coverage: $1,264

Premium estimates for type of coverage:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and WRX models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.

These rate differences highlight why all drivers should compare prices for a specific zip code, rather than relying on average rates.

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

Additional Charts and Tables

The chart below breaks down average Subaru WRX insurance rates for additional coverage choices and driver risks.

• The best discount rate is $724
• Using higher $1,000 deductibles will save about $168 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,264
• Using low deductibles for physical damage coverage bumps up the cost to $1,592
• Drivers who are prone to accidents and violations could pay at least $2,736
• An auto insurance policy that insures a teen driver can be $4,710 or more

View Chart as Image

Insurance prices for a Subaru WRX also have a wide range based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $4,700 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $500 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 more per year. View Rates by Deductible or Liability Limit

How to Find Cheaper Subaru WRX Insurance

Finding better rates on Subaru WRX insurance requires being a good driver, having above-average credit, refrain from filing small claims, and dropping full coverage on older vehicles. Compare prices once a year by quoting rates from direct car insurance companies, and also from local insurance agencies.

The following list is a condensed summary of the data that was covered in the charts and tables above.

• You may be able to save up to $150 per year just by quoting online in advance
• Drivers who may need an increased level of liability coverage will pay an extra $420 per year to increase from 30/60 bodily injury limits to the 250/500 level
• Drivers age 16 to 20 pay higher prices, with the cost nearing $393 per month if full coverage is included
• High-risk drivers with multiple at-fault accidents may have to pay on average $1,470 more every year than a safer driver

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.