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.

Estimated insurance rates for a Subaru WRX are $1,230 a year including full coverage. Comprehensive insurance costs approximately $260 each year, collision costs $446, and liability coverage costs around $388. Liability-only coverage costs as low as $434 a year, with high-risk coverage costing $2,658 or more. Teenage drivers pay the most at $4,602 a year or more.

Average premium for full coverage: $1,230

Premium estimates by type of coverage:

These estimates include $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and WRX models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance prices.

These rate differences highlight why all drivers should compare prices using their specific location, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $708
• Using higher $1,000 deductibles will save $160 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,230
• Using low deductibles for physical damage coverage will cost an additional $312 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,658 or more
• An auto insurance policy that insures a teenage driver can cost $4,602 or more

View Chart as Image

Insurance prices for a Subaru WRX also have a wide range based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can be around 43% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live has a huge impact on Subaru WRX insurance rates. A driver around age 40 might see prices as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,750 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $480 a year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices will be substantially different.

How to Find Cheap Subaru WRX Insurance

Finding better rates on auto insurance requires having a good driving record, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Compare prices at every policy renewal by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The next list is a brief summary of the data covered in the charts and tables above.

• Consumers who purchase increased levels of liability coverage will pay an extra $430 per year to increase from 30/60 bodily injury limits to the 250/500 level
• You may be able to save around $150 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $475 each year
• Drivers age 20 and younger are expensive to insure, with the cost nearing $384 per month if full coverage 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.