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 prices for a Subaru WRX are $1,264 every 12 months for full coverage. Comprehensive costs on average $270 each year, collision costs $474, and liability insurance is estimated at $384. A policy with just liability insurance costs approximately $432 a year, with coverage for high-risk drivers costing around $2,736. Teens receive the highest rates at $4,710 a year or more.

Average premium for full coverage: $1,264

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas tend to have more infrequent accident claims than cities with more traffic congestion.

The graphic below illustrates how your location can change car insurance rates.

These examples show why all drivers should get quotes based on a specific location and their own driving history, rather than relying on averaged prices.

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

Additional Rate Details

The chart below shows estimated Subaru WRX insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $724
• Choosing higher $1,000 deductibles can save around $168 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,264
• Selecting low deductibles for comp and collision coverage increases the price to $1,592
• High-risk insureds with serious driving violations could pay upwards of $2,736 or more
• The cost to insure a teen driver may cost $4,710 each year

View Chart as Image

Insurance rates for a Subaru WRX can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your WRX.

Choosing higher comprehensive and collision insurance deductibles can save as much as $500 each year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $345 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 132% more than the average policy. View High Risk Driver Rates

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 $830 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer calculates rates differently, and rates can be significantly different.

How to Shop for Cheap Subaru WRX Insurance

Saving money on Subaru WRX insurance takes avoiding accidents and claims, having above-average credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Invest the time to shop around every other policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a brief summary of the ideas that were illustrated above.

• Drivers under the age of 20 pay higher rates, costing as high as $393 per month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations pay an average of $1,470 more each year to insure a Subaru WRX
• Increasing deductibles could save as much as $500 each year
• Drivers can save as much as $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.