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 prices for a Subaru WRX are $1,264 every 12 months with full coverage. Comprehensive costs approximately $270 a year, collision costs $474, and liability insurance is $384. A policy with only liability insurance costs around $432 a year, with a high-risk policy costing around $2,736. Teenage drivers pay the most at $4,710 a year or more.

Average premium for full coverage: $1,264

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than densely populated cities.

The diagram below illustrates how your location can change auto insurance prices.

These rate differences demonstrate why it is important to compare rates quotes using their specific location and their own driving history, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $724
• Raising to $1,000 deductibles will save $1,096 annually
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,264
• Using low $100 deductibles increases the price to $1,592
• Higher-risk drivers who are prone to accidents and violations could pay around $2,736 or more
• An auto insurance policy to insure a teen driver can cost $4,710

View Chart as Image

Car insurance prices for a Subaru WRX also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your WRX.

Using high physical damage deductibles can reduce prices by up to $500 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Subaru WRX insurance rates. A middle-age driver might find prices as low as $910 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,710 on average in New York, Michigan, and Florida.

View Chart as Image

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

How to Shop for Low Cost Subaru WRX Insurance

Finding better rates on Subaru WRX insurance consists of avoiding accidents and violations, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Invest the time to shop around every other policy renewal by requesting quotes from direct companies, and also from insurance agencies where you live.

The list below is a review of the ideas that were illustrated above.

• Teenagers pay the highest auto insurance prices, possibly costing $393 per month if the policy includes full coverage
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,470 more per year for car insurance
• Increasing policy deductibles could save as much as $500 each year
• You may be able to save around $150 per year simply by quoting early and online

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.