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.

U.S. average auto insurance rates for a Subaru WRX are $1,264 annually with full coverage. Comprehensive costs approximately $270 each year, collision insurance costs $474, and liability insurance is $384. Liability-only coverage costs around $432 a year, and high-risk coverage costs around $2,736. Teenage drivers pay the highest rates at up to $4,710 a year.

Average premium for full coverage: $1,264

Price estimates by individual coverage:

Estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and WRX models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations have fewer collision claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance prices.

The ranges above demonstrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Charts and Tables

The chart below details average Subaru WRX insurance rates for additional coverage and risk scenarios.

• The best discount rate is $724
• Raising to $1,000 deductibles will save $168 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,264
• Using low deductibles will cost $1,592
• Higher-risk drivers who are prone to accidents and violations could pay around $2,736
• The price with full coverage for a teen driver can cost $4,710

View Chart as Image

Auto insurance prices for a Subaru WRX are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $500 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $345 extra every year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Subaru WRX insurance rates. A middle-age driver might find prices as low as $910 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,710 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy Low Cost Subaru WRX Insurance

Getting lower rates on Subaru WRX insurance consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates at least every other year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a review of the car insurance concepts presented in the illustrations above.

• High-risk drivers who have several accidents or serious violations may pay on average $1,470 more per year to insure their WRX
• You may be able to save around $150 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $500 each year
• Drivers who purchase more liability coverage will pay an extra $420 every year to raise from a low limit to higher 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.