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 rates for a Subaru WRX are $1,230 a year with full coverage. Comprehensive costs approximately $260 each year, collision insurance costs $446, and liability is $388. Buying just liability costs around $434 a year, and insurance for high-risk drivers costs around $2,658. Teen drivers receive the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

These examples demonstrate why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based on price averages.

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

Rate Comparisons

The chart below details average Subaru WRX insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $708
• Raising to $1,000 deductibles will save $160 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,230
• Choosing low deductibles will increase the cost to $1,542
• Drivers with multiple violations and an at-fault accident could pay around $2,658
• The cost for full coverage for a 16-year-old driver can cost $4,602

View Chart as Image

Auto insurance rates for a Subaru WRX can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live also has a big influence on Subaru WRX insurance prices. A middle-age driver might find rates as low as $890 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,660 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $480 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 136% more than average. View High Risk Driver Rates

How to Find the Best Subaru WRX Insurance

Saving money on insurance for a Subaru WRX consists of being safe and accident-free, having good credit, eliminating unnecessary coverage, and possibly higher deductibles. Set aside time to compare rates every time your policy renews by requesting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

Below you'll find a brief recap of the information covered above.

• You may be able to save around $150 per year just by quoting online in advance
• Youthful drivers have the highest car insurance rates, with premiums as much as $384 per month if they have full coverage
• Increasing deductibles can save around $475 each year
• Drivers considered higher risk who tend to receive serious violations pay on average $1,430 more per year than a low-risk driver
• Insureds who purchase more liability protection will pay about $430 every year to raise from a minimum limit to 250/500 limits

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.