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 $1,230 a year for full coverage. Comprehensive insurance costs approximately $260 a year, collision costs $446, and liability coverage costs $388. Buying just liability costs as little as $434 a year, with insurance for high-risk drivers costing $2,658 or more. Teenage drivers cost the most to insure at $4,602 a year or more.

Average premium for full coverage: $1,230

Policy rates by type of insurance:

These estimates include $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and WRX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities.

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

The examples above show why it is important to compare rates using their specific location and risk profile, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $708
• Drivers who choose higher $1,000 deductibles will pay $1,070 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,230
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $312 each year
• High-risk insureds who are prone to accidents and violations could pay around $2,658 or more
• Policy cost for full coverage for a teenage driver can cost $4,602 a year

View Chart as Image

Insurance rates for a Subaru WRX also range considerably based on your risk profile, the trim level of your WRX, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state makes a big difference in Subaru WRX insurance rates. A 40-year-old driver could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $480 a year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 136% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Every company uses a different method to calculate rates, so the rates will be varied from one company to the next.

How to Find Cheap Subaru WRX Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a brief summary of the material that was covered above.

• Consumers who purchase higher liability limits will pay an extra $430 each year to go from a 30/60 limit to 250/500 limits
• Teens are expensive to insure, costing up to $384 each month for full coverage
• Drivers that tend to have accidents or serious violations may pay on average $1,430 more per year for WRX insurance
• Increasing comprehensive and collision deductibles can save around $475 each year

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.