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.

Estimated insurance rates for a Subaru WRX are $1,230 a year including full coverage. Comprehensive insurance costs around $260, collision costs $446, and liability costs $388. A policy with only liability insurance costs as little as $434 a year, with a high-risk policy costing $2,658 or more. Teen drivers pay the most at $4,602 a year or more.

Average premium for full coverage: $1,230

Premium estimates for type of coverage:

Estimates include $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how where you live affects auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on price averages.

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 additional coverage choices and driver risks.

• The lowest rate with discounts is $708
• Drivers who choose higher $1,000 deductibles will pay about $160 every year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,230
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $312 annually
• Drivers with multiple violations and an at-fault accident could pay at least $2,658 or more
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $4,602 a year

View Chart as Image

Car insurance prices for a Subaru WRX also have a wide range based on your driving characteristics, the model of your WRX, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $4,600 a year. View Rates by Age

Where you choose to 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 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 save up to $480 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,500 to $2,000 extra annually, depending on your age. High-risk driver insurance can cost from 43% to 136% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to figure out your exact price is to compare prices from multiple companies. Every company uses a different rate calculation, so rate quotes will be substantially different from one company to the next.

How to Find Low Cost Subaru WRX Insurance

Finding better rates on insurance for a Subaru WRX not only requires having a good driving record, but also having above-average credit, refrain from filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a review of the car insurance concepts touched on in the above illustrations.

• Drivers considered higher risk who have several accidents or serious violations pay on average $1,430 more every year to buy Subaru WRX insurance
• You may be able to save up to $150 per year simply by shopping early and online
• Increasing policy deductibles can save around $475 each year
• Insureds who may need increased levels of liability coverage will pay about $430 per year to go from 30/60 bodily injury limits to 250/500 limits

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.