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 rates for a Subaru WRX are $1,264 a year for full coverage. Comprehensive insurance costs an estimated $270, collision costs $474, and liability costs $384. A policy with only liability insurance costs as little as $432 a year, with a high-risk policy costing $2,736 or more. Teenage drivers pay the most at $4,710 a year or more.

Average premium for full coverage: $1,264

Premium estimates broken down by type of coverage:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how location impacts insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates for a targeted area, instead of using average rates.

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

Detailed Rate Analysis

The chart below shows estimated Subaru WRX insurance rates for other coverage scenarios.

• The best discount rate is $724
• Drivers who choose higher $1,000 deductibles will pay approximately $168 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,264
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $328 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,736 or more
• An auto insurance policy that insures a teen driver with full coverage can cost as much as $4,710 a year

View Chart as Image

Car insurance prices for a Subaru WRX also have a wide range based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost as much as 45% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age

Where you choose to live makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,800 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $500 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices and see which company has the best price. Every company uses a different method to calculate prices, so rate quotes will be substantially different.

How to Find Affordable Subaru WRX Insurance

Finding better rates on car insurance not only requires being safe and accident-free, but also having a positive credit history, not filing small claims, and not having any coverage lapses. Compare prices once a year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a brief review of the data that was touched on above.

• Drivers can save approximately $150 per year simply by shopping early and online
• Policyholders who want more liability protection will pay an extra $420 each year to go from 30/60 bodily injury limits to the 250/500 level
• Youthful drivers have the highest car insurance prices, as much as $393 per month if full coverage is purchased
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,470 more annually than a low-risk driver

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.