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 $1,264 a year with full coverage. Comprehensive costs on average $270, collision insurance costs $474, and liability insurance costs $384. Liability-only coverage costs as little as $432 a year, and high-risk coverage costs around $2,736. 16-year-old drivers cost the most to insure at up to $4,710 a year.

Average premium for full coverage: $1,264

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all WRX models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than congested cities. The example below illustrates the difference location can make on car insurance rates.

The examples above demonstrate why everyone should compare rates based on a specific location, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below details average Subaru WRX insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $724
• Drivers who choose higher $1,000 deductibles will pay around $168 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,264
• Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,592
• High risk drivers with multiple tickets or accidents could pay upwards of $2,736
• Policy cost that insures a teen driver for full coverage may cost $4,710 a year

View Chart as Image

Insurance rates for a Subaru WRX also range considerably based on the model of your WRX, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 additional every year, depending on your age. Subaru WRX insurance for high-risk drivers can cost anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 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 $910 a year in states like New Hampshire, Ohio, and Utah, or at least $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $500 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $345 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Subaru WRX Insurance

Finding cheaper rates on Subaru WRX insurance not only requires having a decent driving record, but also having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Comparison shop every time your policy renews by getting quotes from direct companies, and also from several local insurance agents.

The following items are a brief recap of the information touched on in this article.

• You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date
• 16 to 18-year-old drivers pay higher rates, as much as $393 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• High-risk drivers who tend to receive serious violations pay on average $1,470 more each year than a driver with a clean driving record
• Drivers who require additional liability coverage will pay around $420 every year to go from a 30/60 limit to the 250/500 level

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.