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 insurance prices for a Subaru WRX are $1,264 every 12 months for full coverage insurance. Comprehensive costs around $270, collision costs $474, and liability is $384. Buying just liability costs around $432 a year, with insurance for high-risk drivers costing around $2,736. 16-year-old drivers pay the highest rates at $4,710 a year or more.

Average premium for full coverage: $1,264

Price estimates for individual coverage:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different WRX trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population have more infrequent physical damage claims than congested cities.

The price range example below illustrates how where you live affects auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $724
• Raising to $1,000 deductibles will save about $168 each year
• The average price for the average middle-age driver using $500 deductibles is $1,264
• Buying more expensive low deductibles increases the price to $1,592
• Drivers with multiple tickets or accidents could pay at least $2,736 or more
• The price to insure a 16-year-old driver with full coverage can be $4,710

View Chart as Image

Insurance prices for a Subaru WRX are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Opting for high physical damage deductibles can reduce prices by up to $500 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $345 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 132% more than the average rate. View High Risk Driver Rates

The state you live in 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 Vermont, Wisconsin, and North Carolina, or at least $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and prices may be quite different.

How to Shop for the Best Cheap Subaru WRX Insurance

Getting lower rates on insurance for a Subaru WRX consists of being a good driver, having above-average credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop at every other renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a quick review of the concepts that were touched on in the above illustrations.

• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,470 more every year than a safer driver
• Drivers age 16 to 20 are charged the highest prices, as much as $393 a month if full coverage is included
• It is possible to save up to $150 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $500 each year
• It is possible to save up to $150 per year simply by shopping 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.