Subaru WRX Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

Estimated insurance rates for a Subaru WRX are $1,264 a year for full coverage insurance. Comprehensive costs approximately $270, collision costs $474, and liability is $384. Liability-only insurance costs around $432 a year, with high-risk driver insurance costing around $2,736. Teenage drivers pay the most at $4,710 a year or more.

Average premium for full coverage: $1,264

Premium estimates by type of coverage:

Comprehensive $270
Collision $474
Liability $384

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all WRX models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Subaru WRX go from the low end price of $432 for your basic liability-only policy to the much higher price of $2,736 for a driver required to buy high-risk insurance.

Liability Only $432
Full Coverage $1,264
High Risk $2,736

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance prices.

Rural Areas $948
Small Cities $1,327
Large Cities $1,706

These rate differences illustrate why everyone should compare rates quotes using their specific location, instead of making a decision based on average rates.

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 illustrates estimated Subaru WRX insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $724
  • Raising to $1,000 deductibles will save $168 each year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,264
  • Using pricier low deductibles bumps up the cost to $1,592
  • Drivers who are prone to accidents and violations could pay around $2,736 or more
  • An auto insurance policy that insures a 16-year-old driver for full coverage can cost $4,710

View Chart as Image

Subaru WRX insurance cost comparison chart
Column chart showing full coverage Subaru WRX insurance rates range from $724 to $4,710

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

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 additional annually, depending on your age. Subaru WRX insurance for high-risk drivers is expensive and can cost from 45% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

Where you choose to live also has a big influence on Subaru WRX insurance prices. A middle-age driver might find prices as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,710 on average in Florida, New York, and Michigan.

Subaru WRX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,140 -$124 -9.8%
Alaska $970 -$294 -23.3%
Arizona $1,048 -$216 -17.1%
Arkansas $1,264 -$0 0.0%
California $1,440 $176 13.9%
Colorado $1,204 -$60 -4.7%
Connecticut $1,298 $34 2.7%
Delaware $1,428 $164 13.0%
Florida $1,578 $314 24.8%
Georgia $1,168 -$96 -7.6%
Hawaii $908 -$356 -28.2%
Idaho $858 -$406 -32.1%
Illinois $942 -$322 -25.5%
Indiana $954 -$310 -24.5%
Iowa $852 -$412 -32.6%
Kansas $1,198 -$66 -5.2%
Kentucky $1,724 $460 36.4%
Louisiana $1,870 $606 47.9%
Maine $778 -$486 -38.4%
Maryland $1,044 -$220 -17.4%
Massachusetts $1,008 -$256 -20.3%
Michigan $2,194 $930 73.6%
Minnesota $1,060 -$204 -16.1%
Mississippi $1,514 $250 19.8%
Missouri $1,122 -$142 -11.2%
Montana $1,356 $92 7.3%
Nebraska $996 -$268 -21.2%
Nevada $1,514 $250 19.8%
New Hampshire $910 -$354 -28.0%
New Jersey $1,412 $148 11.7%
New Mexico $1,118 -$146 -11.6%
New York $1,330 $66 5.2%
North Carolina $726 -$538 -42.6%
North Dakota $1,036 -$228 -18.0%
Ohio $870 -$394 -31.2%
Oklahoma $1,296 $32 2.5%
Oregon $1,158 -$106 -8.4%
Pennsylvania $1,204 -$60 -4.7%
Rhode Island $1,684 $420 33.2%
South Carolina $1,148 -$116 -9.2%
South Dakota $1,066 -$198 -15.7%
Tennessee $1,106 -$158 -12.5%
Texas $1,524 $260 20.6%
Utah $934 -$330 -26.1%
Vermont $862 -$402 -31.8%
Virginia $756 -$508 -40.2%
Washington $974 -$290 -22.9%
West Virginia $1,158 -$106 -8.4%
Wisconsin $874 -$390 -30.9%
Wyoming $1,124 -$140 -11.1%

View Chart as Image

Subaru WRX insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $500 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different.

Subaru WRX Insurance Rates by Model Year
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 Best Cheap Subaru WRX Insurance

Finding better rates on insurance for a Subaru WRX consists of avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices at every policy renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The points below are a quick review of the data touched on in this article.

  • Insureds who purchase increased liability limits will pay an extra $420 annually to raise from 30/60 bodily injury limits to the 250/500 level
  • It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save approximately $500 each year
  • Drivers under the age of 20 are the costliest to insure, with premiums being up to $393 per month if comprehensive and collision insurance is included

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.

Rates by Driver Age

Subaru WRX Insurance Rates by Driver Age
Driver Age Premium
16 $4,710
20 $2,908
30 $1,318
40 $1,264
50 $1,156
60 $1,134

Full coverage, $500 deductibles

Rates by Deductible

Subaru WRX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,592
$250 $1,440
$500 $1,264
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Subaru WRX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,264
50/100 $1,341
100/300 $1,437
250/500 $1,686
100 CSL $1,379
300 CSL $1,590
500 CSL $1,744

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru WRX Insurance Rates for High Risk Drivers
Age Premium
16 $6,728
20 $4,632
30 $2,796
40 $2,736
50 $2,608
60 $2,584

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.

SR-22 Surcharge $177

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $67
Homeowner $19
5-yr Accident Free $93
5-yr Claim Free $82
Paid in Full/EFT $58
Advance Quote $63
Online Quote $90
Total Discounts $540
Rate after discounts $724

Discounts are estimated and may not be available from every company or in every state.

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