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 rates for a Subaru WRX are $1,230 a year for full coverage insurance. Comprehensive insurance costs on average $260 a year, collision insurance costs $446, and liability coverage costs $388. Liability-only insurance costs as little as $434 a year, and high-risk driver insurance costs $2,658 or more. Teen drivers pay the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Price estimates by individual coverage:

Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and WRX trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above illustrate why it is important to compare rates based on a specific location, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $708
• Drivers who choose higher $1,000 deductibles will pay around $1,070 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,230
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $312 each year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,658
• The price that insures a teenage driver may cost $4,602 a year

View Chart as Image

Car insurance prices for a Subaru WRX are also quite variable based on the trim level of your WRX, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,500 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 136% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,600 a year. View Rates by Age

The state you live in makes a big difference in Subaru WRX insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,660 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could save up to $480 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Affordable Subaru WRX Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having a positive credit history, not filing small claims, and possibly raising deductibles. Shop around at least every other year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

Below is a brief review of the car insurance concepts covered above.

• Drivers with DUI or reckless driving convictions may pay on average $1,430 more each year for auto insurance
• It is possible to save as much as $150 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $475 each year
• Consumers who require higher levels of liability will pay about $430 annually to go from a low limit to the 250/500 level

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.