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.

U.S. average auto insurance rates for a Subaru WRX are $1,306 annually including full coverage. Comprehensive costs around $282 each year, collision costs $512, and liability insurance is estimated at $376. Liability-only coverage costs approximately $426 a year, with high-risk coverage costing around $2,826. Teenage drivers pay the highest rates at $4,836 a year or more.

Average premium for full coverage: $1,306

Price estimates for individual coverage:

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and WRX models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance rates.

The ranges above highlight why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Analysis

The chart below breaks down estimated Subaru WRX insurance rates for additional coverage choices and driver risks.

• The best discount rate is $745
• Choosing higher $1,000 deductibles can save about $182 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,306
• Using low deductibles for comp and collision coverage will cost $1,654
• High-risk insureds who are prone to accidents and violations could pay at least $2,826 or more
• The price with full coverage for a teen driver can be $4,836 each year

View Chart as Image

Auto insurance prices for a Subaru WRX are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $530 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $339 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Subaru WRX insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,860 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different between companies.

How to Buy the Right Subaru WRX Insurance

Getting lower rates on Subaru WRX insurance takes having a decent driving record, having above-average credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a quick rundown of the information presented in the illustrations above.

• You may be able to save up to $160 per year simply by quoting online in advance
• 16 to 18-year-old drivers are expensive to insure, possibly costing $403 a month if full coverage is included
• Increasing physical damage deductibles could save up to $525 each year
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,520 more every year than a driver with a clean driving record
• Drivers who may need additional liability coverage will pay an extra $410 per year to raise limits from a low limit to higher 250/500 limits

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.