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.

The average insurance prices for a Subaru WRX are $1,230 every 12 months including full coverage. Comprehensive insurance costs an estimated $260 a year, collision costs $446, and liability costs $388. Liability-only insurance costs as little as $434 a year, with high-risk driver insurance costing $2,658 or more. Teens cost the most to insure at $4,602 a year or more.

Average premium for full coverage: $1,230

Policy rates broken down by type of insurance:

Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and WRX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine insurance prices.

The examples above highlight why it is important to compare rates for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $708
• Drivers who choose higher $1,000 deductibles will pay approximately $1,070 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,230
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $312 annually
• Drivers with serious driving violations could pay up to $2,658 or more
• Policy cost to insure a 16-year-old driver can cost as much as $4,602 a year

View Chart as Image

Auto insurance rates for a Subaru WRX also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $480 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,500 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 136% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay 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

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Every company calculates rates differently, and quoted rates will be varied.

How to Shop for the Right Subaru WRX Insurance

Finding cheaper rates on insurance for a Subaru WRX not only requires being a low-risk driver, but also having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest time comparing rates every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.

The items below are a quick rundown of the information covered in the charts and tables above.

• You may be able to save approximately $150 per year simply by quoting early and online
• Teen drivers are the costliest to insure, with premiums being up to $384 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,430 more annually to insure their WRX
• Insureds who want more liability coverage will pay approximately $430 per year to go from a 30/60 limit to a 250/500 level

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.