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 on average $270 a year, collision insurance costs $474, and liability coverage is $384. A policy with only liability insurance costs around $432 a year, and a high-risk policy costs $2,736 or more. 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:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than densely populated cities. The diagram below illustrates the difference location can make on car insurance rates.

These rate differences show why it is important to compare rates quotes based on a specific location, rather than using average rates.

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

Additional Rate Analysis

The chart below shows average Subaru WRX insurance rates for different risk profiles and scenarios.

• The best discount rate is $724
• Raising to $1,000 deductibles will save around $1,096 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,264
• Using low $100 deductibles will cost an additional $328 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,736
• An auto insurance policy that insures a teenage driver may cost $4,710

View Chart as Image

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

If you have a few violations or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 45% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months 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 upwards of $4,700 a year. View Rates by Age

Where you choose to live also has a big influence on Subaru WRX insurance rates. A middle-age driver might find prices as low as $830 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $500 a year, while buying higher liability limits will cost you more. 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

How to Find Cheap Subaru WRX Insurance

Finding better rates on auto insurance consists of avoiding accidents and claims, having a positive credit history, not filing small claims, and possibly raising deductibles. Compare prices every other policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

The points below are a brief summary of the ideas that were touched on in this article.

• Drivers under the age of 20 are expensive to insure, as much as $393 per month if full coverage is purchased
• Drivers that tend to have accidents or serious violations may pay on average $1,470 more each year to insure a Subaru WRX
• Increasing policy deductibles can save approximately $500 each year
• Drivers can save as much as $150 per year just by quoting early and online

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.