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 insurance costs $474, and liability coverage is estimated at $384. Liability-only coverage costs approximately $432 a year, and high-risk coverage costs $2,736 or more. Teenage drivers pay the highest rates at up to $4,710 a year.

Average premium for full coverage: $1,264

Price estimates by individual coverage:

Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different WRX trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should get quotes using their specific location, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount 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
• Using more expensive low deductibles for comp and collision coverage will cost an additional $328 each year
• Drivers who are prone to accidents and violations could pay around $2,736
• The price that insures a teenage driver with full coverage can cost $4,710 each year

View Chart as Image

Auto insurance prices for a Subaru WRX are also quite variable based on the model year and trim level, 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 in extra premium each year, depending on your age. High-risk driver insurance ranges around 45% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay 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 rates. A good driver about age 40 could pay as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $500 a year, while increasing your policy's liability limits 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 year. View Rates by Deductible or Liability Limit

How to Find Affordable Subaru WRX Insurance

Getting lower rates on auto insurance takes being a safe and courteous driver, maintaining a good credit score, being claim-free, and possibly higher deductibles. Compare prices every other policy renewal by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

Below is a brief review of the ideas that were touched on in the above illustrations.

• Teenage drivers have the highest car insurance prices, possibly costing $393 a month if the policy includes full coverage
• Drivers with DUI or reckless driving convictions will likely pay on average $1,470 more per year for auto insurance
• Increasing physical damage deductibles can save approximately $500 each year
• You may be able to save around $150 per year just by shopping early and online

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.