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 $1,264 every 12 months for full coverage. Comprehensive costs on average $270, collision insurance costs $474, and liability coverage costs around $384. A liability-only policy costs as low as $432 a year, and high-risk insurance costs around $2,736. Teen drivers cost the most to insure at up to $4,710 a year.

Average premium for full coverage: $1,264

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different WRX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have more infrequent accident claims than larger metro areas. The price range example below illustrates how geographic area affects car insurance rates.

The examples above show why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than using price averages.

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

Additional Charts and Tables

The chart below shows average Subaru WRX insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $724
• Using higher $1,000 deductibles will save around $168 a year
• The average price for a good driver age 40 with $500 deductibles is $1,264
• Choosing more expensive low deductibles for physical damage coverage increases the price to $1,592
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,736
• Policy cost to insure a teenage driver with full coverage may cost $4,710 or more

View Chart as Image

Car insurance rates for a Subaru WRX also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your WRX.

Choosing high deductibles could cut rates by as much as $500 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be around 45% to 132% more than average. View High Risk Driver Rates

Your home state has a huge impact on Subaru WRX insurance rates. A driver around age 40 might see rates as low as $830 a year in states like Idaho, Maine, and Iowa, or as much as $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Best Subaru WRX Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct carriers, and also from local independent and exclusive agents.

The following items are a brief recap of the data presented in the illustrations above.

• Consumers who require additional liability coverage will pay about $420 each year to increase from a 30/60 limit to a 250/500 level
• Drivers can save as much as $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $393 each month if the policy includes 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.