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 insurance rates for a Subaru WRX are $1,230 a year including full coverage. Comprehensive insurance costs approximately $260 a year, collision insurance costs $446, and liability costs $388. Buying just liability costs as little as $434 a year, and insurance 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:

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

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance prices.

These examples highlight why it is important to compare rates using their specific location, instead of making a decision based on averaged prices.

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 additional coverage and risk scenarios.

• The cheapest rate after discounts is $708
• Drivers who choose higher $1,000 deductibles will pay $1,070 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,230
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $312 annually
• Drivers with serious driving violations could pay around $2,658
• The cost that insures a 16-year-old driver can cost $4,602 a year

View Chart as Image

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

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,500 to $2,000 in extra premium per 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

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live 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

Choosing higher comprehensive and collision insurance deductibles could save up to $480 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Subaru WRX Insurance

Saving money on insurance for a Subaru WRX not only requires being a good driver, but also maintaining a good credit score, not filing small claims, and possibly higher deductibles. Compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The following list is a brief recap of the ideas that were presented in the illustrations above.

• Drivers age 16 to 20 have the highest car insurance rates, as much as $384 per month if the policy includes full coverage
• Drivers considered higher risk who tend to receive serious violations will likely pay on average $1,430 more per year than a safer driver
• Increasing deductibles can save approximately $475 each year
• You may be able to save around $150 per year just 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.