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.

Average insurance prices for a Subaru WRX are $1,264 every 12 months for full coverage insurance. Comprehensive insurance costs around $270 each year, collision insurance costs $474, and liability insurance costs $384. A policy with just liability insurance costs as little as $432 a year, and coverage for high-risk drivers costs $2,736 or more. Teens receive the highest rates at up to $4,710 a year.

Average premium for full coverage: $1,264

Rate estimates for individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and WRX models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance rates.

These examples illustrate why all drivers should compare rates for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $724
• Drivers who choose higher $1,000 deductibles will pay about $168 each year
• The average price for a 40-year-old driver using $500 deductibles is $1,264
• Selecting low deductibles for comprehensive and collision insurance costs an extra $328 a year
• High risk drivers with serious driving violations could pay at least $2,736
• The cost to insure a teen driver can be $4,710 a year

View Chart as Image

Insurance rates for a Subaru WRX can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $500 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $345 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 132% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Subaru WRX insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for More Affordable Subaru WRX Insurance

Saving money on Subaru WRX insurance not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates every couple of years by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a summary of the material that was covered in the charts and tables above.

• Drivers who may need additional liability coverage will pay approximately $420 annually to go from a minimum limit to a 250/500 level
• 16 to 18-year-old drivers are charged the highest rates, costing up to $393 per month if full coverage is included
• High-risk drivers who have multiple accidents or major violations may pay on average $1,470 more every year than a driver with a clean driving record
• Increasing deductibles could save as much as $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.