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.

Average insurance rates for a Subaru WRX are $1,230 a year for full coverage. Comprehensive costs on average $260 each year, collision insurance costs $446, and liability insurance is $388. Buying just liability costs around $434 a year, and insurance for high-risk drivers costs around $2,658. Teen drivers receive the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and WRX models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects car insurance rates.

These examples show why all drivers should compare rates quotes based on a specific location and risk profile, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $708
• Raising to $1,000 deductibles will save around $160 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,230
• Choosing low deductibles will increase the cost to $1,542
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,658
• The cost for full coverage for a teen driver may cost $4,602

View Chart as Image

Auto insurance rates for a Subaru WRX can also vary considerably based on your driver profile, the trim level of your WRX, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

Where you live also has a big influence on Subaru WRX insurance rates. A middle-age driver might find rates as low as $810 a year in states like Idaho, Maine, and Iowa, or as much as $1,750 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $480 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 136% more than average. View High Risk Driver Rates

How to Find Low Cost Subaru WRX Insurance

Saving money on Subaru WRX insurance consists of being a good driver, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Set aside time to shop around at every policy renewal by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following list is a review of the data raised in the charts and tables above.

• Drivers who require an increased level of liability coverage will pay about $430 each year to raise from a minimum limit to 250/500 limits
• Drivers can save as much as $150 per year just by quoting online in advance
• Increasing deductibles can save around $475 each year
• Drivers age 16 to 20 are charged the highest rates, costing as high as $384 per month if they have full coverage

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.