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 $1,230 a year including full coverage. Comprehensive insurance costs on average $260 a year, collision costs $446, and liability insurance costs around $388. Buying just liability costs as low as $434 a year, with insurance for high-risk drivers costing $2,658 or more. Teen drivers pay the highest rates at $4,602 a year or more.

Average premium for full coverage: $1,230

Price estimates by individual coverage:

Rates are based on $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and WRX trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above highlight why it is important to compare prices based on a specific location, rather than relying on price averages.

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

More Rate Details

The chart below breaks down estimated Subaru WRX insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $708
• Using higher $1,000 deductibles will save around $1,070 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,230
• Choosing low $100 deductibles for physical damage coverage will cost an additional $312 a year
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,658 or more
• The price that insures a teen driver may cost $4,602 or more

View Chart as Image

Insurance prices for a Subaru WRX are also quite variable based on the trim level of your WRX, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 136% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,600 a year. View Rates by Age

The state you live in has a huge impact on Subaru WRX insurance rates. A driver around age 40 might see prices as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,750 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut prices by as much as $480 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and prices may be quite different.

How to Find the Best Cheap Subaru WRX Insurance

Getting lower rates on Subaru WRX insurance requires not taking risks behind the wheel, having a good credit score, being claim-free, and insuring your home and auto with the same company. Shop around every other policy renewal by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a quick review of the ideas that were covered above.

• Teens pay higher prices, possibly costing $384 a month if comprehensive and collision insurance is included
• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,430 more each year for WRX insurance
• Increasing physical damage deductibles can save approximately $475 each year
• You may be able to save as much as $150 per year simply by quoting 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.