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 prices for a Subaru WRX are $1,230 every 12 months including full coverage. Comprehensive costs an estimated $260 a year, collision costs $446, and liability costs around $388. Liability-only coverage costs as low as $434 a year, with high-risk coverage costing around $2,658. Teenage drivers receive the highest rates at $4,602 a year or more.

Average premium for full coverage: $1,230

Rate estimates broken down by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and WRX trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location helps determine insurance prices.

These examples highlight why it is important to compare prices for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Subaru WRX insurance rates for other coverage scenarios.

• The best discount rate is $708
• Using higher $1,000 deductibles will save approximately $1,070 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,230
• Using low $100 deductibles for physical damage coverage increases the price to $1,542
• High-risk insureds who are prone to accidents and violations could pay up to $2,658 or more
• The cost to insure a 16-year-old driver can cost as much as $4,602 or more

View Chart as Image

Car insurance rates for a Subaru WRX can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $480 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,500 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can be from 43% to 136% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Subaru WRX insurance prices. A driver around age 40 might see rates 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

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different.

How to Shop for the Best Subaru WRX Insurance

Saving money on insurance for a Subaru WRX requires avoiding accidents and violations, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Invest time comparing rates once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The list below is a brief recap of the data that was covered in the charts and tables above.

• You may be able to save approximately $150 per year simply by quoting early and online
• Insureds who want higher liability limits will pay an extra $430 per year to increase from a minimum limit to a 250/500 level
• Teenagers have the highest car insurance rates, as much as $384 per month if the policy includes full coverage
• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,430 more annually for car insurance

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.