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 prices for a Subaru WRX are $1,230 every 12 months including full coverage. Comprehensive insurance costs an estimated $260, collision insurance costs $446, and liability costs $388. A liability-only policy costs as little as $434 a year, and high-risk insurance costs $2,658 or more. Teenage drivers receive the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Rate estimates broken down by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different WRX trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates how your location can change insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $708
• Drivers who choose higher $1,000 deductibles will pay approximately $160 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,230
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $312 annually
• Drivers who are prone to accidents and violations could pay up to $2,658
• The cost to insure a 16-year-old driver with full coverage can cost as much as $4,602 a year

View Chart as Image

Insurance rates for a Subaru WRX can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

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

An older driver with a clean driving record and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,500 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost from 43% to 136% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,750 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for the Best Cheap Subaru WRX Insurance

Saving money on insurance for a Subaru WRX not only requires having a decent driving record, but also having good credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following items are a quick review of the primary concepts that were illustrated above.

• You may be able to save approximately $150 per year just by shopping early and online
• Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,430 more annually than a driver with a clean driving record
• Increasing deductibles could save as much as $475 each year
• 16 to 18-year-old drivers are charged the highest rates, as much 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.