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 rates for a Subaru WRX are $1,264 a year with full coverage. Comprehensive insurance costs on average $270, collision costs $474, and liability insurance costs around $384. A policy with just liability insurance costs as low as $432 a year, with coverage for high-risk drivers costing $2,736 or more. 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:

Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different WRX trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on auto insurance rates. Rural areas tend to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts car insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare prices based on a specific location, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $724
• Using higher $1,000 deductibles will save around $168 annually
• The estimated price for a 40-year-old driver with $500 deductibles is $1,264
• Selecting more expensive low deductibles for physical damage coverage will cost an additional $328 a year
• Drivers with serious driving violations could pay upwards of $2,736 or more
• The cost that insures a teen driver with full coverage may cost $4,710 or more

View Chart as Image

Insurance rates for a Subaru WRX can also vary considerably based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance can be anywhere from 45% to 132% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age

Where you live has a huge impact on Subaru WRX insurance rates. A driver around age 40 might see rates as low as $910 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $500 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $345 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out exactly what you will pay is to compare rates from as many companies as possible. Each insurance company calculates rates differently, and rates can be significantly different.

How to Find Affordable Subaru WRX Insurance

Saving money on Subaru WRX insurance requires being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and insuring your home and auto with the same company. Compare rates at least once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief review of the primary concepts that were touched on above.

• You may be able to save as much as $150 per year simply by shopping early and online
• High-risk drivers with DUI or reckless driving convictions pay on average $1,470 more each year to insure their WRX
• Increasing deductibles can save approximately $500 each year
• Teen drivers pay higher rates, with premiums as much as $393 per month if comprehensive and collision insurance is included

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.