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 $1,306 every 12 months including full coverage. Comprehensive insurance costs on average $282 each year, collision costs $512, and liability costs around $376. Liability-only insurance costs as low as $426 a year, with high-risk driver insurance costing $2,826 or more. 16-year-old drivers pay the most at $4,836 a year or more.

Average premium for full coverage: $1,306

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and WRX models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than congested cities.

The graphic below illustrates how where you live affects car insurance rates.

These rate differences highlight why all drivers should compare prices based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

More Rate Information

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

• The best full coverage rate is $745
• Using higher $1,000 deductibles will save around $182 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,306
• Buying low deductibles for physical damage coverage costs an extra $348 annually
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,826 or more
• An auto insurance policy to insure a 16-year-old driver may cost $4,836 or more

View Chart as Image

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

Opting for high physical damage deductibles could cut prices by as much as $530 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $339 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers can be from 43% to 128% more than the average rate. View High Risk Driver Rates

Where you choose to live has a huge impact on Subaru WRX insurance prices. A driver around age 40 might see prices as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,860 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, and prices will be substantially different.

How to Shop for Cheap Subaru WRX Insurance

Finding better rates on insurance for a Subaru WRX requires being safe and accident-free, having above-average credit, refrain from filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop every couple of years by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.

Below you'll find a brief summary of the material that was touched on in the above illustrations.

• Insureds who require more liability protection will pay around $410 per year to increase from 30/60 bodily injury limits to a 250/500 level
• Youthful drivers pay higher prices, with the cost nearing $403 per month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,520 more each year than a low-risk driver
• Increasing policy deductibles could save as much as $525 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.