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 $1,264 every 12 months for full coverage insurance. Comprehensive costs around $270, collision costs $474, and liability costs around $384. A liability-only policy costs as low as $432 a year, with high-risk insurance costing around $2,736. Teens pay the most at $4,710 a year or more.

Average premium for full coverage: $1,264

Premium estimates for type of coverage:

Prices include $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $724
• Using higher $1,000 deductibles will save about $168 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,264
• Selecting more expensive low deductibles for physical damage coverage increases the price to $1,592
• High-risk insureds with serious driving violations could pay at least $2,736 or more
• An auto insurance policy to insure a 16-year-old driver with full coverage can be $4,710 or more

View Chart as Image

Auto insurance prices for a Subaru WRX also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $500 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $345 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can be from 45% to 132% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Subaru WRX insurance prices. A driver around age 40 might see prices as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out your exact price is to compare prices from multiple companies. Each insurance company calculates prices differently, and quoted prices will be substantially different.

How to Shop for the Right Subaru WRX Insurance

Finding better rates on insurance for a Subaru WRX requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates every couple of years by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following is a quick rundown of the material that was covered above.

• Insureds who may need higher liability limits will pay approximately $420 annually to increase from 30/60 bodily injury limits to a 250/500 level
• Teens are expensive to insure, with premiums being up to $393 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,470 more every year for WRX insurance
• Increasing policy deductibles could save as much as $500 each year

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.