Subaru WRX Insurance Rates
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UPDATED: Jun 6, 2023
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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 rates for a Subaru WRX are $1,264 a year for full coverage. Comprehensive insurance costs approximately $270 each year, collision costs $474, and liability insurance costs $384. Liability-only coverage costs as little as $432 a year, with high-risk coverage costing $2,736 or more. Teens cost the most to insure at $4,710 a year or more.
Average premium for full coverage: $1,264
Policy rates by type of insurance:
Prices include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and WRX models.
Price Range Variability
For the normal driver, Subaru WRX insurance rates go from as low as $432 for your basic liability-only policy to a high rate of $2,736 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.
The graphic below illustrates how geographic area affects auto insurance prices.
The examples above show why all drivers should compare rates using their specific location and risk profile, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows estimated Subaru WRX insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $724
- Drivers who choose higher $1,000 deductibles will pay $168 a year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,264
- Selecting low deductibles for comprehensive and collision insurance will cost an extra $328 a year
- High risk drivers with serious driving violations could pay around $2,736 or more
- Policy cost for full coverage for a teen driver can cost $4,710 a year
Insurance rates for a Subaru WRX also range considerably based on your risk profile, the trim level of your WRX, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age
Your home state makes a big difference in Subaru WRX insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,800 on average in New York, Louisiana, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing higher comprehensive and collision insurance deductibles could save up to $500 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $345 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 132% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Every company calculates rates differently, and rates will be varied from one company to the next.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2017 Subaru WRX||$270||$474||$384||$1,264|
|2016 Subaru WRX||$260||$446||$388||$1,230|
|2015 Subaru WRX||$248||$400||$390||$1,174|
Rates are averaged for all Subaru WRX models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Right Subaru WRX Insurance
Finding cheaper rates on Subaru WRX insurance not only requires avoiding accidents and claims, but also having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates every year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The points below are a quick rundown of the coverage data presented in the illustrations above.
- Drivers can save around $150 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $500 each year
- Drivers under the age of 20 are the costliest to insure, costing up to $393 each month including comprehensive and collision insurance
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,470 more per year to insure a Subaru WRX
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$93|
|5-yr Claim Free||$82|
|Paid in Full/EFT||$58|
Discounts are estimated and may not be available from every company or in every state.
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