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.

U.S. average insurance rates for a Subaru WRX are $1,264 a year including full coverage. Comprehensive insurance costs approximately $270, collision costs $474, and liability is estimated at $384. Liability-only insurance costs approximately $432 a year, with high-risk driver insurance costing $2,736 or more. 16-year-old drivers pay the highest rates at $4,710 a year or more.

Average premium for full coverage: $1,264

Price estimates by individual coverage:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all WRX models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than congested cities.

The example below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why everyone should get quotes using their specific location, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $724
• Choosing higher $1,000 deductibles can save $168 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,264
• Buying pricier low deductibles for comp and collision coverage will cost an additional $328 annually
• Higher-risk drivers with multiple tickets or accidents could pay around $2,736 or more
• The price that insures a 16-year-old driver for full coverage can cost $4,710 each year

View Chart as Image

Car insurance prices for a Subaru WRX are also quite variable based on the model of your WRX, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 extra each year, depending on your age. Subaru WRX insurance for high-risk drivers ranges from 45% to 132% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Subaru WRX insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $500 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices from multiple companies. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different.

How to Find Low Cost Subaru WRX Insurance

Getting lower rates on insurance for a Subaru WRX takes being a safe and courteous driver, having a positive credit history, being claim-free, and avoiding coverage lapses. Comparison shop every couple of years by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

Below is a review of the material that was covered in the above illustrations.

• Insureds who purchase higher levels of liability will pay around $420 per year to raise limits from a low limit to the 250/500 level
• Teenage drivers pay the highest auto insurance prices, possibly costing $393 a month if full coverage is purchased
• Drivers considered higher risk who have several accidents or serious violations will likely pay on average $1,470 more per year for auto insurance
• Increasing physical damage deductibles can save approximately $500 each year

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.