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.

Estimated insurance rates for a Subaru WRX are $1,230 a year with full coverage. Comprehensive insurance costs around $260, collision insurance costs $446, and liability costs $388. A liability-only policy costs as little as $434 a year, and high-risk insurance costs $2,658 or more. 16-year-old drivers pay the most at up to $4,602 a year.

Average premium for full coverage: $1,230

Premium estimates for type of coverage:

Includes $500 deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than congested cities. The price range example below illustrates how your location can change auto insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, instead of using rate averages.

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

Additional Rate Information

The chart below details average Subaru WRX insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $708
• Drivers who choose higher $1,000 deductibles will pay about $160 annually
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,230
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $312 every year
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,658
• An auto insurance policy that insures a teen driver with full coverage can be $4,602 a year

View Chart as Image

Auto insurance prices for a Subaru WRX also have a wide range based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,500 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 43% to 136% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age

Where you choose to live makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $890 a year in states like New Hampshire, Ohio, and Utah, or at least $1,660 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $480 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 extra every year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Subaru WRX Insurance

Finding better rates on car insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, being claim-free, and possibly raising deductibles. Comparison shop every time your policy renews by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The following is a recap of the information illustrated above.

• You may be able to save up to $150 per year just by shopping early and online
• Teens are expensive to insure, possibly costing $384 per month if the policy includes full coverage
• Increasing policy deductibles can save approximately $475 each year
• Higher risk drivers that have major violations or accidents may pay on average $1,430 more every year for WRX insurance
• Policyholders who may need higher liability limits will pay around $430 every year to go from 30/60 bodily injury limits to the 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.