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 rates for a Subaru WRX are $1,230 a year including full coverage. Comprehensive insurance costs approximately $260 each year, collision insurance costs $446, and liability insurance costs $388. A policy with only liability insurance costs as little as $434 a year, and a high-risk policy costs $2,658 or more. Teen drivers pay the most at up to $4,602 a year.

Average premium for full coverage: $1,230

Premium estimates by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and WRX models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates how your location can change auto insurance prices.

These rate differences highlight why all drivers should compare rates using their specific location and risk profile, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $708
• Drivers who choose higher $1,000 deductibles will pay $160 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,230
• Choosing low deductibles for comprehensive and collision insurance will cost an extra $312 a year
• High risk drivers with multiple violations and an at-fault accident could pay around $2,658
• An auto insurance policy for full coverage for a teen driver can cost $4,602 a year

View Chart as Image

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

More mature drivers with no driving violations and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live makes a big difference in Subaru WRX insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,750 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $480 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 136% more than average. View High Risk Driver Rates

How to Find the Best Subaru WRX Insurance

Finding better rates on Subaru WRX insurance not only requires being a low-risk driver, but also having above-average credit, refrain from filing small claims, and attention to physical damage deductibles. Invest the time to shop around every couple of years by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a brief recap of the material that was illustrated above.

• Drivers who purchase more liability coverage will pay about $430 per year to go from 30/60 bodily injury limits to 250/500 limits
• Teen drivers pay the highest auto insurance prices, with the cost nearing $384 per month if full coverage is included
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,430 more per year to insure their WRX
• Increasing policy deductibles can save around $475 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.