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. Comprehensive insurance costs an estimated $260 a year, collision costs $446, and liability is estimated at $388. Liability-only insurance costs approximately $434 a year, with high-risk driver insurance costing $2,658 or more. Teens pay the most at $4,602 a year or more.

Average premium for full coverage: $1,230

Premium estimates broken down by type of coverage:

These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These rate differences show why it is important to get quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below shows estimated Subaru WRX insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $708
• Choosing higher $1,000 deductibles can save approximately $1,070 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,230
• Selecting low $100 deductibles for comp and collision coverage costs an extra $312 annually
• Higher-risk drivers with serious driving violations could pay up to $2,658 or more
• An auto insurance policy to insure a 16-year-old driver can cost as much as $4,602 each year

View Chart as Image

Insurance prices for a Subaru WRX also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $349 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,500 to $2,000 additional annually, depending on your age. A high-risk auto insurance policy ranges from 43% to 136% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Subaru WRX insurance prices. A good driver about age 40 could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes from multiple companies. Each auto insurer calculates prices differently, and prices will be substantially different.

How to Shop for Cheap Subaru WRX Insurance

Finding better rates on insurance for a Subaru WRX takes being a low-risk driver, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every couple of years by requesting rates from direct carriers, and also from several local insurance agents.

The items below are a brief summary of the material that was covered above.

• Insureds who want more liability coverage will pay approximately $430 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Teen drivers are expensive to insure, as much as $384 per month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,430 more annually to insure their WRX
• Increasing policy deductibles could save as much as $475 each year

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.