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.

Estimated auto insurance rates for a Subaru WRX are $1,230 annually including full coverage. Comprehensive insurance costs around $260 a year, collision insurance costs $446, and liability insurance costs around $388. Liability-only coverage costs as low as $434 a year, and high-risk coverage costs $2,658 or more. Teens pay the most at up to $4,602 a year.

Average premium for full coverage: $1,230

Premium estimates for type of coverage:

Rates are based on $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.

These rate differences highlight why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Details

The chart below breaks down average Subaru WRX insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $708
• Using higher $1,000 deductibles will save about $1,070 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,230
• Selecting low $100 deductibles for physical damage coverage costs an additional $312 a year
• Drivers with serious driving violations could pay at least $2,658
• An auto insurance policy with full coverage for a teen driver can be $4,602 or more

View Chart as Image

Insurance prices for a Subaru WRX also have a wide range based on the model of your WRX, your driving characteristics, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,500 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $480 each year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Subaru WRX insurance rates. A driver around age 40 might see prices as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,750 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Buy the Best Cheap Subaru WRX Insurance

Finding better rates on Subaru WRX insurance requires not taking risks behind the wheel, having a good credit history, refrain from filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates every couple of years by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following is a quick review of the material that was covered in the charts and tables above.

• Drivers who may need higher liability limits will pay approximately $430 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
• Teens pay higher prices, with the cost nearing $384 per month including comprehensive and collision insurance
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,430 more every year for WRX insurance
• Increasing policy deductibles could save up to $475 each year

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.