Subaru WRX Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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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 $1,264 annually for full coverage insurance. Comprehensive costs approximately $270 each year, collision insurance costs $474, and liability is $384. Liability-only coverage costs around $432 a year, and high-risk coverage costs around $2,736. Teenage drivers pay the most at up to $4,710 a year.

Average premium for full coverage: $1,264

Premium estimates by type of coverage:

Comprehensive $270
Collision $474
Liability $384

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and WRX models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Subaru WRX range from as cheap as $432 for a discount liability-only rate to a high rate of $2,736 for a driver that may need high-risk insurance.

Liability Only $432
Full Coverage $1,264
High Risk $2,736

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than densely populated cities. The graphic below illustrates how location impacts auto insurance prices.

Rural Areas $948
Small Cities $1,327
Large Cities $1,706

These rate differences illustrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

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

  • The best discount rate is $724
  • Raising to $1,000 deductibles will save $168 each year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,264
  • Using low deductibles will cost $1,592
  • Drivers who are prone to accidents and violations could pay around $2,736
  • An auto insurance policy with full coverage for a 16-year-old driver can cost $4,710

View Chart as Image

Subaru WRX insurance cost comparison chart
Column chart showing Subaru WRX insurance rates range from $724 to $4,710 for full coverage

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

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $500 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $345 more per year. View Rates by Deductible or Liability Limit

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 be forced to pay as much as $1,710 on average in Florida, New York, and Michigan.

Subaru WRX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,140 -$124 -9.8%
Alaska $970 -$294 -23.3%
Arizona $1,048 -$216 -17.1%
Arkansas $1,264 -$0 0.0%
California $1,440 $176 13.9%
Colorado $1,204 -$60 -4.7%
Connecticut $1,298 $34 2.7%
Delaware $1,428 $164 13.0%
Florida $1,578 $314 24.8%
Georgia $1,168 -$96 -7.6%
Hawaii $908 -$356 -28.2%
Idaho $858 -$406 -32.1%
Illinois $942 -$322 -25.5%
Indiana $954 -$310 -24.5%
Iowa $852 -$412 -32.6%
Kansas $1,198 -$66 -5.2%
Kentucky $1,724 $460 36.4%
Louisiana $1,870 $606 47.9%
Maine $778 -$486 -38.4%
Maryland $1,044 -$220 -17.4%
Massachusetts $1,008 -$256 -20.3%
Michigan $2,194 $930 73.6%
Minnesota $1,060 -$204 -16.1%
Mississippi $1,514 $250 19.8%
Missouri $1,122 -$142 -11.2%
Montana $1,356 $92 7.3%
Nebraska $996 -$268 -21.2%
Nevada $1,514 $250 19.8%
New Hampshire $910 -$354 -28.0%
New Jersey $1,412 $148 11.7%
New Mexico $1,118 -$146 -11.6%
New York $1,330 $66 5.2%
North Carolina $726 -$538 -42.6%
North Dakota $1,036 -$228 -18.0%
Ohio $870 -$394 -31.2%
Oklahoma $1,296 $32 2.5%
Oregon $1,158 -$106 -8.4%
Pennsylvania $1,204 -$60 -4.7%
Rhode Island $1,684 $420 33.2%
South Carolina $1,148 -$116 -9.2%
South Dakota $1,066 -$198 -15.7%
Tennessee $1,106 -$158 -12.5%
Texas $1,524 $260 20.6%
Utah $934 -$330 -26.1%
Vermont $862 -$402 -31.8%
Virginia $756 -$508 -40.2%
Washington $974 -$290 -22.9%
West Virginia $1,158 -$106 -8.4%
Wisconsin $874 -$390 -30.9%
Wyoming $1,124 -$140 -11.1%

View Chart as Image

Subaru WRX insurance rates by U.S. city
Subaru WRX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Subaru WRX $348 $594 $316 $1,394
2023 Subaru WRX $332 $570 $332 $1,370
2022 Subaru WRX $320 $566 $338 $1,360
2021 Subaru WRX $308 $552 $354 $1,350
2020 Subaru WRX $298 $530 $364 $1,328
2019 Subaru WRX $282 $512 $376 $1,306
2018 Subaru WRX $270 $474 $384 $1,264
2017 Subaru WRX $260 $446 $388 $1,230
2016 Subaru WRX $248 $400 $390 $1,174
2015 Subaru WRX $232 $368 $390 $1,126

Rates are averaged for all Subaru WRX models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Cheapest Subaru WRX Insurance

Finding better rates on insurance for a Subaru WRX consists of avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around once a year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a recap of the data that was touched on above.

  • It is possible to save around $150 per year just by quoting online in advance
  • Insureds who purchase higher liability limits will pay an extra $420 annually to raise from 30/60 bodily injury limits to higher 250/500 limits
  • Teenagers are expensive to insure, with premiums being up to $393 per month including comprehensive and collision insurance
  • Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,470 more per year for car 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.

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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.

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.

Rates by Driver Age

Subaru WRX Insurance Rates by Driver Age
Driver Age Premium
16 $4,710
20 $2,908
30 $1,318
40 $1,264
50 $1,156
60 $1,134

Full coverage, $500 deductibles

Rates by Deductible

Subaru WRX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,592
$250 $1,440
$500 $1,264
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Subaru WRX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,264
50/100 $1,341
100/300 $1,437
250/500 $1,686
100 CSL $1,379
300 CSL $1,590
500 CSL $1,744

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru WRX Insurance Rates for High Risk Drivers
Age Premium
16 $6,728
20 $4,632
30 $2,796
40 $2,736
50 $2,608
60 $2,584

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $177

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $67
Homeowner $19
5-yr Accident Free $93
5-yr Claim Free $82
Paid in Full/EFT $58
Advance Quote $63
Online Quote $90
Total Discounts $540
Rate after discounts $724

Discounts are estimated and may not be available from every company or in every state.

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