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 insurance costs approximately $260 each year, collision insurance costs $446, and liability costs around $388. A policy with just liability insurance costs as low as $434 a year, and coverage for high-risk drivers costs $2,658 or more. Teens receive the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and WRX models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance prices.

These examples highlight why all drivers should compare prices using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $708
• Using higher $1,000 deductibles will save $160 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,230
• Selecting low deductibles for physical damage coverage costs an additional $312 annually
• High-risk insureds with serious driving violations could pay around $2,658
• The cost with full coverage for a 16-year-old driver can cost $4,602 or more

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers can be from 43% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $480 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit

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 have to pay at least $1,750 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy the Best Cheap Subaru WRX Insurance

Saving money on insurance for a Subaru WRX requires being safe and accident-free, having good credit, not filing small claims, and consideration of higher deductibles. Spend time shopping around at least once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

Below you'll find a quick review of the primary concepts that were touched on above.

• You may be able to save around $150 per year just by quoting online in advance
• Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,430 more per year than a low-risk driver
• Increasing deductibles could save up to $475 each year
• Youthful drivers are the costliest to insure, as much as $384 per month if they have full coverage

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.