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 prices for a Subaru WRX are $1,230 every 12 months for full coverage. Comprehensive costs approximately $260 a year, collision costs $446, and liability costs $388. Liability-only insurance costs as little as $434 a year, with high-risk driver insurance costing around $2,658. 16-year-old drivers 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:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and WRX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities.

The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above show why it is important to compare rates using their specific location and their own driving history, instead of using rate averages.

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

Additional Charts and Tables

The chart below shows estimated Subaru WRX insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $708
• Drivers who choose higher $1,000 deductibles will pay $1,070 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,230
• Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,542
• Higher-risk drivers with multiple tickets or accidents could pay around $2,658 or more
• Policy cost to insure a teen driver can cost $4,602 a year

View Chart as Image

Auto insurance rates for a Subaru WRX also range considerably based on liability limits and deductibles, your driver profile, and the model of your WRX.

Opting for high physical damage deductibles could save up to $480 every year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 136% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or at least $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Every company utilizes a different rate formula, and quoted rates will be varied.

How to Shop for Cheap Subaru WRX Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around at least once a year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a brief summary of the primary concepts that were raised in the charts and tables above.

• Drivers can save around $150 per year simply by quoting early and online
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,430 more per year to insure a Subaru WRX
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Drivers under the age of 20 have the highest car insurance rates, costing up to $384 each month if comprehensive and collision insurance is included

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.