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 including full coverage. Comprehensive costs approximately $260, collision insurance costs $446, and liability costs around $388. Liability-only insurance costs as low as $434 a year, and high-risk driver insurance costs around $2,658. Teen drivers cost the most to insure at up to $4,602 a year.

Average premium for full coverage: $1,230

Policy rates by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all WRX models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates how your location can change auto insurance prices.

The examples above highlight why everyone should compare prices using their specific location and risk profile, instead of using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $708
• Using higher $1,000 deductibles will save $160 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,230
• Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,542
• Drivers with multiple violations and an at-fault accident could pay around $2,658
• Policy cost for full coverage for a teen driver for full coverage can cost $4,602 or more

View Chart as Image

Auto insurance rates for a Subaru WRX also range considerably based on your risk profile, the model of your WRX, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state has a huge impact on Subaru WRX insurance prices. A driver around age 40 might see rates as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,750 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $480 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,000 in extra premium every year, depending on your age. Subaru WRX insurance for high-risk drivers can be as much as 43% to 136% more than average. View High Risk Driver Rates

How to Find the Best Cheap Subaru WRX Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to shop around every year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a quick review of the coverage data illustrated above.

• You may be able to save around $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $475 each year
• Teenagers have the highest car insurance rates, with premiums being up to $384 each month if they have full coverage
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,430 more per year for car insurance

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.