Subaru WRX Insurance Rates
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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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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.
|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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$93|
|5-yr Claim Free||$82|
|Paid in Full/EFT||$58|
Discounts are estimated and may not be available from every company or in every state.