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 for full coverage. Comprehensive insurance costs around $260, collision costs $446, and liability insurance costs $388. Liability-only coverage costs as little as $434 a year, with high-risk coverage costing $2,658 or more. Teen drivers receive the highest rates at $4,602 a year or more.

Average premium for full coverage: $1,230

Rate estimates for individual coverage type:

These estimates include $500 deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for different WRX trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than larger metro areas.

The price range example below illustrates the effect of geographic area on auto insurance rates.

These examples show why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than relying on price averages.

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

Additional Charts and Tables

The chart below shows estimated Subaru WRX insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $708
• Drivers who choose higher $1,000 deductibles will pay about $160 a year
• The average price for a 40-year-old driver using $500 deductibles is $1,230
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $312 a year
• High risk drivers with multiple violations and an at-fault accident could pay at least $2,658 or more
• The cost to insure a teen driver with full coverage can be $4,602 a year

View Chart as Image

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

Choosing high deductibles could save up to $480 each year, while increasing your policy's liability limits will increase rates. Going 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

An older driver with no driving violations and higher deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,500 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 136% more than average. View High Risk Driver Rates

Where you live makes a big difference in Subaru WRX insurance rates. A 40-year-old driver could pay as low as $810 a year in states like Idaho, Maine, and Iowa, or as much as $1,750 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know your exact price is to compare rates from as many companies as possible. Every company uses a different rate calculation, so rate quotes can be significantly different.

How to Shop for Cheap Subaru WRX Insurance

Saving money on Subaru WRX insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Take the time to compare rates every couple of years by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a brief summary of the material that was covered in the above illustrations.

• Drivers who may need higher liability limits will pay about $430 each year to go from a minimum limit to a 250/500 level
• Teens are the costliest to insure, costing as high as $384 per month if the policy includes full coverage
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,430 more every year for WRX insurance
• Increasing deductibles could save as much as $475 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.