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 with full coverage. Comprehensive insurance costs an estimated $260, collision insurance costs $446, and liability costs around $388. Liability-only coverage costs as low as $434 a year, and high-risk coverage costs $2,658 or more. Teenage drivers cost the most to insure at up to $4,602 a year.

Average premium for full coverage: $1,230

Policy rates broken down by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different WRX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $708
• Using higher $1,000 deductibles will save approximately $160 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,230
• Using more expensive low deductibles for physical damage coverage will cost an extra $312 annually
• High-risk insureds who are prone to accidents and violations could pay up to $2,658
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $4,602 or more

View Chart as Image

Insurance rates for a Subaru WRX also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,600 a year. View Rates by Age

Your home state has a huge impact on Subaru WRX insurance prices. A driver around age 40 might see rates as low as $890 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,660 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $480 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,000 additional every year, depending on your age. High-risk driver insurance can be from 43% to 136% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Subaru WRX Insurance

Finding cheaper rates on insurance for a Subaru WRX requires having a decent driving record, having a good credit history, not filing small claims, and possibly raising deductibles. Set aside time to shop around at every other renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a quick review of the concepts that were raised in the charts and tables above.

• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,430 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, as much as $384 each month including comprehensive and collision insurance
• You may be able to save approximately $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $475 each year
• You may be able to save approximately $150 per year just by shopping early and online

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.