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 $1,264 a year for full coverage. Comprehensive costs around $270 each year, collision insurance costs $474, and liability costs around $384. Liability-only insurance costs as low as $432 a year, and high-risk driver insurance costs around $2,736. 16-year-old drivers pay the highest rates at up to $4,710 a year.

Average premium for full coverage: $1,264

Price estimates for individual coverage:

Prices include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and WRX models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than congested cities. The graphic below illustrates the difference location can make on auto insurance rates.

The ranges above show why all drivers should compare prices for a specific zip code and risk profile, instead of using rate averages.

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

More Rate Details

The chart below shows average Subaru WRX insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $724
• Using higher $1,000 deductibles will save about $168 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,264
• Buying low deductibles for physical damage coverage will increase the cost to $1,592
• Drivers with multiple tickets or accidents could pay at least $2,736
• The price for full coverage for a teen driver can be $4,710 or more

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $4,700 a year. View Rates by Age

The state you live in has a huge impact on Subaru WRX insurance prices. A driver around age 40 might see prices as low as $830 a year in states like Idaho, Maine, and Iowa, or at least $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $500 every year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 132% more than the average rate. View High Risk Driver Rates

How to Find the Right Subaru WRX Insurance

Getting lower rates on car insurance requires being a good driver, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Make time to compare rates every couple of years by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following list is a quick rundown of the material that was touched on in this article.

• Policyholders who may need an increased level of liability coverage will pay around $420 each year to increase from a low limit to 250/500 limits
• Drivers age 16 to 20 are the costliest to insure, with premiums as much as $393 a month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,470 more every year than a safer driver
• Increasing physical damage deductibles can save around $500 each year

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.