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 auto insurance rates for a Subaru WRX are $1,264 annually including full coverage. Comprehensive costs an estimated $270 a year, collision costs $474, and liability insurance costs around $384. Buying just liability costs as low as $432 a year, with insurance for high-risk drivers costing around $2,736. 16-year-old drivers pay the highest rates at $4,710 a year or more.

Average premium for full coverage: $1,264

Price estimates broken down by individual coverage:

Includes $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and WRX trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above highlight why it is important to compare prices for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $724
• Using higher $1,000 deductibles will save approximately $1,096 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,264
• Buying low $100 deductibles for physical damage coverage will cost $1,592
• Drivers with multiple tickets or accidents could pay up to $2,736 or more
• The price with full coverage for a teen driver can cost as much as $4,710 or more

View Chart as Image

Insurance prices for a Subaru WRX are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $500 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $345 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Subaru WRX insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and prices may be quite different between companies.

How to Buy the Cheapest Subaru WRX Insurance

Getting lower rates on Subaru WRX insurance requires being safe and accident-free, having good credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below you'll find a recap of the data covered above.

• Drivers who want more liability protection will pay around $420 per year to increase from a low limit to higher 250/500 limits
• You may be able to save approximately $150 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $500 each year
• Youthful drivers are expensive to insure, possibly costing $393 a 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.