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 auto insurance rates for a Subaru WRX are $1,230 annually with full coverage. Comprehensive costs approximately $260, collision costs $446, and liability insurance costs $388. Liability-only coverage costs as little as $434 a year, with high-risk coverage costing around $2,658. Teen drivers pay the most at $4,602 a year or more.

Average premium for full coverage: $1,230

Premium estimates by type of coverage:

Prices include $500 policy deductibles, 30/60 liability limits, 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 has a significant impact on the price of insurance. Rural locations are statistically proven to have fewer collision claims than larger metro areas.

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

These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $708
• Drivers who choose higher $1,000 deductibles will pay $160 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,230
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,542
• High risk drivers with multiple violations and an at-fault accident could pay around $2,658 or more
• An auto insurance policy with full coverage for a teen driver with full coverage can cost $4,602 a year

View Chart as Image

Insurance prices for a Subaru WRX also have a wide range based on the model of your WRX, your driving record, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles could 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, where even without any violations or accidents they can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,000 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $480 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

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

View Chart as Image

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices from as many companies as possible. Every company uses a different rate calculation, so the prices will be substantially different between companies.

How to Buy the Right Subaru WRX Insurance

Finding better rates on Subaru WRX insurance not only requires avoiding accidents and claims, but also having a good credit history, being claim-free, and maximizing policy discounts. Set aside time to shop around at every policy renewal by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The points below are a quick rundown of the data raised in the charts and tables above.

• Drivers who purchase increased liability limits will pay about $430 every year to go from 30/60 bodily injury limits to higher 250/500 limits
• You may be able to save around $150 per year simply by shopping early and online
• Increasing policy deductibles could save up to $475 each year
• Drivers under the age of 20 are expensive to insure, possibly costing $384 per month including comprehensive and collision 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.