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 prices for a Subaru WRX are $1,230 every 12 months for full coverage. Comprehensive costs an estimated $260 each year, collision costs $446, and liability is $388. Buying just liability costs around $434 a year, with insurance for high-risk drivers costing around $2,658. Teen drivers pay the highest rates at $4,602 a year or more.

Average premium for full coverage: $1,230

Price estimates broken down by individual coverage:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and WRX models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. More rural locations have more infrequent accident claims than larger metro areas.

The graphic below illustrates how your location can change insurance prices.

The ranges above show why all drivers should compare rates quotes for a targeted area and their own driving history, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $708
• Raising to $1,000 deductibles will save approximately $160 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,230
• Choosing low deductibles increases the price to $1,542
• At-risk drivers with multiple violations and an at-fault accident could pay up to $2,658 or more
• The price to insure a teen driver can cost as much as $4,602

View Chart as Image

Insurance prices for a Subaru WRX are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Choosing high deductibles can reduce prices by up to $480 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,500 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 136% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Subaru WRX insurance prices. A middle-age driver might find prices as low as $810 a year in states like Iowa, Maine, and Idaho, or as much as $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different rate calculation, and prices may be quite different.

How to Shop for Low Cost Subaru WRX Insurance

Getting lower rates on car insurance consists of avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a review of the ideas that were illustrated above.

• Teenagers are expensive to insure, with premiums as much as $384 a month if full coverage is included
• Higher risk drivers who have several accidents or serious violations pay on average $1,430 more annually for car insurance
• Increasing physical damage deductibles could save as much as $475 each year
• Drivers can save approximately $150 per year simply by quoting online in advance

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.