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 $1,264 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:

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

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.

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.

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

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.

View Chart as Image

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.

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.