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.

The average insurance rates for a Subaru WRX are $1,230 a year including full coverage. Comprehensive costs on average $260, collision costs $446, and liability coverage costs $388. Liability-only insurance costs as little as $434 a year, with high-risk driver insurance costing around $2,658. Teens cost the most to insure at $4,602 a year or more.

Average premium for full coverage: $1,230

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different WRX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates based on a specific location, rather than using averaged prices.

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

Additional Rate Analysis

The chart below breaks down estimated Subaru WRX insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $708
• Drivers who choose higher $1,000 deductibles will pay around $160 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,230
• Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,542
• High-risk insureds with serious driving violations could pay upwards of $2,658 or more
• Policy cost that insures a teenage driver with full coverage may cost $4,602 a year

View Chart as Image

Auto insurance rates for a Subaru WRX also range considerably based on the model year and trim level, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,500 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance can cost around 43% to 136% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $4,600 a year. View Rates by Age

Your home state makes a big difference in Subaru WRX insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,750 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $480 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see how they stack up. Every company calculates rates differently, and quoted rates will be varied.

How to Find More Affordable Subaru WRX Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare rates at every policy renewal by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following items are a summary of the data presented in the illustrations above.

• Consumers who require additional liability coverage will pay approximately $430 per year to go from a 30/60 limit to the 250/500 level
• You may be able to save as much as $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $384 each month if the policy includes full coverage

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.