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 auto insurance rates for a Subaru WRX are $1,230 annually including full coverage. Comprehensive costs an estimated $260, collision insurance costs $446, and liability is estimated at $388. Liability-only coverage costs approximately $434 a year, and high-risk coverage costs around $2,658. 16-year-old drivers receive the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Rate estimates broken down by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates how geographic area affects insurance prices.

These examples highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

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

More Rate Information

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

• The best full coverage rate is $708
• Choosing higher $1,000 deductibles can save approximately $160 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,230
• Buying more expensive low deductibles for comp and collision coverage will cost $1,542
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,658
• The cost with full coverage for a 16-year-old driver with full coverage can cost as much as $4,602 each year

View Chart as Image

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

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,500 to $2,000 extra per year, depending on your age. High-risk driver insurance ranges from 43% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $480 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

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 $940 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,750 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy the Best Subaru WRX Insurance

Saving money on insurance for a Subaru WRX takes having a decent driving record, having a good credit score, not filing small claims, and possibly higher deductibles. Invest the time to compare rates every year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following items are a brief recap of the coverage data presented in the illustrations above.

• You may be able to save approximately $150 per year just by shopping early and online
• Increasing deductibles could save up to $475 each year
• 16 to 18-year-old drivers have the highest car insurance rates, as much as $384 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,430 more annually than a driver with a clean driving record

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.