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 $1,230 a year including full coverage. Comprehensive costs around $260 a year, collision costs $446, and liability coverage is estimated at $388. Liability-only coverage costs approximately $434 a year, with high-risk coverage costing around $2,658. 16-year-old drivers pay the most at $4,602 a year or more.

Average premium for full coverage: $1,230

Premium estimates for type of coverage:

Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than congested cities.

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

These rate differences highlight why it is important to get quotes for a specific zip code, rather than using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $708
• Choosing higher $1,000 deductibles can save about $1,070 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,230
• Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,542
• Drivers with multiple tickets or accidents could pay at least $2,658 or more
• An auto insurance policy that insures a teenage driver can be $4,602 each year

View Chart as Image

Insurance prices for a Subaru WRX also have a wide range based on the trim level of your WRX, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,500 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy ranges around 43% to 136% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $4,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Subaru WRX insurance rates. A good driver about age 40 could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,750 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can save as much as $480 a year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out your exact price is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, so the prices will be substantially different.

How to Find Affordable Subaru WRX Insurance

Finding better rates on auto insurance takes not taking risks behind the wheel, having above-average credit, refrain from filing small claims, and insuring your home and auto with the same company. Comparison shop at every other renewal by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The following is a brief review of the concepts that were presented in the illustrations above.

• Drivers with DUI or reckless driving convictions may have to pay on average $1,430 more every year for WRX insurance
• Teens pay higher prices, with the cost nearing $384 per month if full coverage is included
• You may be able to save up to $150 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $475 each year
• You may be able to save up to $150 per year simply 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.