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 $1,264 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $270, collision costs $474, and liability is $384. A policy with only liability insurance costs around $432 a year, with a high-risk policy costing $2,736 or more. 16-year-old drivers pay the most at $4,710 a year or more.

Average premium for full coverage: $1,264

Premium estimates by type of coverage:

Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all WRX models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than congested cities.

The example below illustrates how rural and urban location affects auto insurance prices.

These rate differences illustrate why everyone should compare rates quotes using their specific location and their own driving history, instead of using rate averages.

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

Rates by State, City, and Model

The chart below illustrates estimated Subaru WRX insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $724
• Raising to $1,000 deductibles will save $168 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,264
• Buying pricier low deductibles costs an extra $328 every year
• At-risk drivers with multiple tickets or accidents could pay around $2,736 or more
• An auto insurance policy to insure a teen driver for full coverage can cost $4,710

View Chart as Image

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

Opting for high physical damage deductibles can reduce prices by up to $500 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Subaru WRX insurance for high-risk drivers is expensive and can cost as much as 45% to 132% more than the average rate. View High Risk Driver Rates

Where you choose to live also has a big influence on Subaru WRX insurance prices. A middle-age driver might find prices as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different.

How to Shop for Affordable Subaru WRX Insurance

Finding better rates on car insurance consists of being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Set aside time to shop around at least once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The items below are a brief review of the primary concepts that were raised in the charts and tables above.

• It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,470 more per year to insure their WRX
• Increasing policy deductibles could save as much as $500 each year
• Teen drivers pay the highest auto insurance prices, with premiums being up to $393 per month if the policy includes full coverage

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.