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 insurance. Comprehensive costs approximately $260, collision costs $446, and liability coverage costs $388. Liability-only coverage costs as little as $434 a year, with high-risk coverage costing around $2,658. Teens 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:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all WRX models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance prices.

The examples above illustrate why everyone should compare rates using their specific location and their own driving history, rather than using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $708
• Drivers who choose higher $1,000 deductibles will pay $160 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,230
• Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $1,542
• High-risk insureds with serious driving violations could pay around $2,658 or more
• Policy cost to insure a teenage driver for full coverage can cost $4,602 a year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could save up to $480 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared 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 are probably paying anywhere from $1,500 to $2,000 additional every year, depending on your age. Subaru WRX insurance for high-risk drivers can cost around 43% to 136% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Subaru WRX insurance rates. A 40-year-old driver could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,660 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates and see how they stack up. Every company calculates rates differently, and rates will be varied.

How to Shop for Affordable Subaru WRX Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having above-average credit, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop at least once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The following list is a brief review of the primary concepts that were touched on in the above illustrations.

• It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
• Drivers with DUI or reckless driving convictions may have to pay on average $1,430 more per year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Drivers age 16 to 20 are the costliest to insure, possibly costing $384 each 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.