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 $1,230 a year with full coverage. Comprehensive costs approximately $260, collision insurance costs $446, and liability is estimated at $388. Liability-only insurance costs approximately $434 a year, and high-risk driver insurance costs around $2,658. Teens pay the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Price estimates by individual coverage:

Price estimates include $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all WRX models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance prices.

The ranges above demonstrate why everyone should get quotes using their specific location, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $708
• Choosing higher $1,000 deductibles can save $160 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,230
• Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $1,542
• Unlucky drivers with serious driving violations could pay around $2,658
• The price that insures a teen driver for full coverage can cost $4,602 each year

View Chart as Image

Car insurance prices for a Subaru WRX are also quite variable based on the model of your WRX, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,000 extra each year, depending on your age. Subaru WRX insurance for high-risk drivers ranges as much as 43% to 136% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Subaru WRX insurance prices. A good driver about age 40 could pay as low as $890 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,660 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Cheaper Subaru WRX Insurance

Getting lower rates on car insurance takes not taking risks behind the wheel, having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Compare rates at every policy renewal by getting rate quotes from direct companies, and also from local insurance agencies.

The following is a condensed summary of the data covered in the charts and tables above.

• Policyholders who purchase higher liability limits will pay approximately $430 every year to raise limits from a low limit to the 250/500 level
• You may be able to save around $150 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $475 each year
• Teens pay the highest auto insurance prices, costing up to $384 a month if full coverage is purchased

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.