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 $1,264 a year for full coverage insurance. Comprehensive insurance costs on average $270 each year, collision costs $474, and liability is estimated at $384. A policy with just liability insurance costs approximately $432 a year, with coverage for high-risk drivers costing $2,736 or more. Teens receive the highest rates at $4,710 a year or more.

Average premium for full coverage: $1,264

Rate estimates by individual coverage type:

Full coverage includes $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and WRX models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how your location can change car insurance rates.

These examples illustrate why all drivers should get quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below illustrates estimated Subaru WRX insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $724
• Choosing higher $1,000 deductibles can save around $168 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,264
• Selecting low deductibles for comp and collision coverage will cost an extra $328 annually
• Higher-risk drivers with serious driving violations could pay upwards of $2,736 or more
• The cost for full coverage for a 16-year-old driver may cost $4,710 each year

View Chart as Image

Insurance rates for a Subaru WRX can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

Where you live plays a big part in determining prices for Subaru WRX insurance prices. A good driver about age 40 could pay as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $500 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $345 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers ranges from 45% to 132% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, and rates can be significantly different from one company to the next.

How to Find More Affordable Subaru WRX Insurance

Saving money on insurance for a Subaru WRX takes having a good driving record, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around at every policy renewal by quoting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The next list is a summary of the data illustrated above.

• Insureds who require increased levels of liability coverage will pay approximately $420 annually to raise limits from a minimum limit to 250/500 limits
• It is possible to save as much as $150 per year simply by quoting online in advance
• Increasing deductibles can save around $500 each year
• Drivers age 20 and younger pay higher rates, costing up to $393 per month including comprehensive and collision 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.