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 prices for a Subaru WRX are $1,230 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $260 a year, collision costs $446, and liability costs $388. Liability-only coverage costs as little as $434 a year, with high-risk coverage 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 by type of coverage:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and 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 auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas.

The diagram below illustrates how where you live affects auto insurance prices.

These rate differences illustrate why it is important to compare rates using their specific location and their own driving history, 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 illustrates estimated Subaru WRX insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $708
• Drivers who choose higher $1,000 deductibles will pay $1,070 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,230
• Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $312 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,658 or more
• An auto insurance policy to insure a 16-year-old driver can cost $4,602 a year

View Chart as Image

Insurance prices for a Subaru WRX also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your WRX.

Choosing high deductibles could save up to $480 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher 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, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can cost from 43% to 136% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,660 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes from multiple companies. Every company uses a different rate calculation, so the prices will be substantially different.

How to Shop for the Right Subaru WRX Insurance

Finding better rates on insurance for a Subaru WRX not only requires being safe and accident-free, but also having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop every other policy renewal by requesting rates from direct insurance companies, and also from local insurance agencies.

Below you'll find a quick rundown of the ideas that were touched on in the above illustrations.

• Youthful drivers are expensive to insure, with premiums being up to $384 per month if they have full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,430 more per year than a low-risk driver
• Increasing policy deductibles could save as much as $475 each year
• It is possible to save around $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.