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 $1,264 a year for full coverage insurance. Comprehensive costs approximately $270 a year, collision costs $474, and liability is $384. Liability-only insurance costs around $432 a year, with high-risk driver insurance costing around $2,736. 16-year-old drivers cost the most to insure at $4,710 a year or more.

Average premium for full coverage: $1,264

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and WRX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why it is important to compare rates quotes using their specific location, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below illustrates estimated Subaru WRX insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $724
• Raising to $1,000 deductibles will save $1,096 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,264
• Buying low $100 deductibles bumps up the cost to $1,592
• Drivers with multiple tickets or accidents could pay around $2,736 or more
• Policy cost that insures a 16-year-old driver can cost $4,710

View Chart as Image

Auto insurance rates for a Subaru WRX also range considerably based on the trim level of your WRX, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 132% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $4,700 a year. View Rates by Age

Your home state also has a big influence on Subaru WRX insurance prices. A middle-age driver might find rates as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $500 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied.

How to Find Cheaper Subaru WRX Insurance

Finding cheaper rates on insurance for a Subaru WRX consists of being a safe and courteous driver, maintaining a good credit score, being claim-free, and not having any coverage lapses. Comparison shop every time your policy renews by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

Below is a condensed summary of the information touched on in this article.

• It is possible to save around $150 per year simply by quoting early and online
• Teenage drivers have the highest car insurance rates, possibly costing $393 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Drivers considered higher risk with multiple at-fault accidents could be charged and average of $1,470 more per year for auto insurance
• Insureds who purchase higher levels of liability will pay around $420 annually to raise from a 30/60 limit to the 250/500 level

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.