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 for full coverage. Comprehensive costs approximately $260, collision insurance costs $446, and liability costs $388. Liability-only coverage costs as little as $434 a year, and high-risk coverage costs around $2,658. 16-year-old drivers cost the most to insure at up to $4,602 a year.

Average premium for full coverage: $1,230

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all WRX models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than congested cities. The example below illustrates how location helps determine auto insurance prices.

The examples above show why everyone should compare rates using their specific location and risk profile, instead of making a decision based on rate averages.

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

Rate Comparisons

The chart below shows average Subaru WRX insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $708
• Drivers who choose higher $1,000 deductibles will pay $160 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,230
• Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,542
• Drivers with multiple tickets or accidents could pay around $2,658
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost $4,602 a year

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or at least $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $480 annually, whereas buying more liability protection will push rates upward. Going 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 could be paying anywhere from $1,500 to $2,000 additional every year, depending on your age. Subaru WRX insurance for high-risk drivers can cost from 43% to 136% more than the average rate. View High Risk Driver Rates

How to Find the Best Cheap Subaru WRX Insurance

Finding cheaper rates on insurance for a Subaru WRX not only requires being a good driver, but also having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates every year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a quick review of the coverage data covered in the charts and tables above.

• Drivers can save around $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $475 each year
• Drivers age 16 to 20 are the costliest to insure, costing up to $384 each month including comprehensive and collision insurance
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,430 more per 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.