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.

Average insurance rates for a Subaru WRX are $1,264 a year with full coverage. Comprehensive costs approximately $270 each year, collision insurance costs $474, and liability coverage is estimated at $384. Liability-only coverage costs approximately $432 a year, and high-risk coverage costs around $2,736. Teens receive the highest rates at up to $4,710 a year.

Average premium for full coverage: $1,264

Rate estimates by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and WRX models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

These examples demonstrate why all drivers should get quotes using their specific location and risk profile, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $724
• Choosing higher $1,000 deductibles can save $168 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,264
• Selecting low deductibles for comp and collision coverage will increase the cost to $1,592
• Drivers with serious driving violations could pay around $2,736
• The cost for full coverage for a teenage driver can cost $4,710 each year

View Chart as Image

Car insurance rates for a Subaru WRX can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $4,700 a year. View Rates by Age

Where you live plays a big part in determining prices for Subaru WRX insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,710 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $500 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers ranges around 45% to 132% more than the average policy. View High Risk Driver Rates

How to Find the Best Cheap Subaru WRX Insurance

Saving money on auto insurance takes avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and attention to physical damage deductibles. Set aside time to compare rates at least once a year by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The list below is a quick review of the primary concepts that were covered above.

• You may be able to save around $150 per year just by quoting online in advance
• Drivers with a DUI or reckless driving violation pay on average $1,470 more per year for car insurance
• Increasing deductibles can save around $500 each year
• Teenagers pay the highest auto insurance rates, with premiums as much as $393 per month if full coverage is included

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.