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 insurance. Comprehensive insurance costs on average $270, collision insurance costs $474, and liability is estimated at $384. Buying just liability costs approximately $432 a year, and insurance for high-risk drivers costs $2,736 or more. 16-year-old drivers receive the highest rates at up to $4,710 a year.

Average premium for full coverage: $1,264

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different WRX trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. Rural areas tend to have more infrequent physical damage claims than congested cities. The price range example below illustrates the difference location can make on car insurance rates.

These examples illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of using rate averages.

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

Additional Rate Analysis

The chart below illustrates average Subaru WRX insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $724
• Choosing higher $1,000 deductibles can save around $168 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,264
• Buying more expensive low deductibles for comp and collision coverage costs an extra $328 every year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,736
• The cost to insure a teen driver with full coverage may cost $4,710 each year

View Chart as Image

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

Opting for high physical damage deductibles can save as much as $500 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $345 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have 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 are probably paying at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance ranges as much as 45% to 132% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Subaru WRX insurance prices. A good driver about age 40 could pay as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for Cheaper Subaru WRX Insurance

Saving money on car insurance takes being a good driver, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates at least every other year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a condensed summary of the car insurance concepts touched on in this article.

• Higher risk drivers with multiple at-fault accidents pay on average $1,470 more each year than a safer driver
• It is possible to save as much as $150 per year just by shopping early and online
• Increasing deductibles could save as much as $500 each year
• Policyholders who require an increased level of liability coverage will pay around $420 annually to raise limits from a minimum limit to a 250/500 level

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.