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.

U.S. average insurance rates for a Subaru WRX are $1,264 a year with full coverage. Comprehensive insurance costs on average $270 a year, collision insurance costs $474, and liability insurance is estimated at $384. Liability-only insurance costs approximately $432 a year, and high-risk driver insurance costs $2,736 or more. Teen drivers pay the highest rates at up to $4,710 a year.

Average premium for full coverage: $1,264

Price estimates by individual coverage:

Includes $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and WRX trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how location impacts car insurance rates.

The ranges above demonstrate why it is important to get 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.

More Rate Details

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

• The lowest rate with discounts is $724
• Choosing higher $1,000 deductibles can save around $1,096 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,264
• Choosing low $100 deductibles for comp and collision coverage will cost an extra $328 a year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,736
• The price for full coverage for a teen driver may cost $4,710 each year

View Chart as Image

Car insurance prices for a Subaru WRX are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $4,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Subaru WRX insurance rates. A good driver about age 40 could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can save as much as $500 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 132% more than average. View High Risk Driver Rates

How to Find the Cheapest Subaru WRX Insurance

Getting lower rates on Subaru WRX insurance takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around every year by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

Below you'll find a recap of the coverage data touched on above.

• You may be able to save as much as $150 per year just by quoting early and online
• Increasing physical damage deductibles can save around $500 each year
• Youthful drivers are expensive to insure, costing up to $393 a month if full coverage is included
• High-risk drivers that have major violations or accidents may be required to pay an average of $1,470 more each year than a low-risk 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.