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.

Average auto insurance rates for a Subaru WRX are $1,306 annually for full coverage insurance. Comprehensive insurance costs around $282, collision insurance costs $512, and liability coverage costs around $376. A liability-only policy costs as low as $426 a year, and high-risk insurance costs $2,826 or more. Teen drivers receive the highest rates at up to $4,836 a year.

Average premium for full coverage: $1,306

Rate estimates for individual coverage type:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different WRX trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than using price averages.

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

Additional Charts and Tables

The chart below illustrates average Subaru WRX insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $745
• Using higher $1,000 deductibles will save about $182 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,306
• Choosing more expensive low deductibles for physical damage coverage costs an additional $348 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,826
• The cost with full coverage for a teenage driver with full coverage can be $4,836 or more

View Chart as Image

Insurance rates for a Subaru WRX can also vary considerably based on the trim level of your WRX, your risk profile, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance can be around 43% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $530 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $339 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Subaru WRX insurance rates. A driver around age 40 might see rates as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,760 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy the Right Subaru WRX Insurance

Saving money on auto insurance requires being a good driver, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around at least once a year by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following list is a quick rundown of the primary concepts that were raised in the charts and tables above.

• It is possible to save up to $160 per year just by shopping early and online
• Drivers with reckless driving or DUI convictions pay on average $1,520 more every year than a safer driver
• Increasing deductibles could save up to $525 each year
• Drivers age 16 to 20 pay higher rates, costing up to $403 per month including comprehensive and collision insurance

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.