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 prices for a Subaru WRX are $1,230 every 12 months for full coverage insurance. Comprehensive costs on average $260 a year, collision costs $446, and liability costs $388. A liability-only policy costs as little as $434 a year, with high-risk insurance costing around $2,658. Teenage drivers pay the most at $4,602 a year or more.

Average premium for full coverage: $1,230

Premium estimates by type of coverage:

Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

These rate differences illustrate why it is important to compare rates based on a specific location and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $708
• Drivers who choose higher $1,000 deductibles will pay around $1,070 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,230
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,542
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,658 or more
• An auto insurance policy to insure a teen driver may cost $4,602 a year

View Chart as Image

Auto insurance prices for a Subaru WRX also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your WRX.

Using high physical damage deductibles could save up to $480 every year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $349 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,000 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 136% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,660 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, and quoted prices will be substantially different.

How to Shop for Low Cost Subaru WRX Insurance

Finding better rates on car insurance not only requires being a safe and courteous driver, but also having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to compare rates every year by quoting rates from direct insurance companies, and also from several local insurance agents.

Below is a review of the coverage data covered in the above illustrations.

• It is possible to save as much as $150 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $475 each year
• Teenage drivers are charged the highest prices, with premiums being up to $384 per month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations pay on average $1,430 more each year for auto 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.