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 insurance rates for a Subaru WRX are $1,264 a year for full coverage insurance. Comprehensive costs approximately $270, collision insurance costs $474, and liability insurance costs around $384. Buying just liability costs as low as $432 a year, and insurance for high-risk drivers costs around $2,736. Teenage drivers receive the highest rates at up to $4,710 a year.

Average premium for full coverage: $1,264

Rate estimates by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for all WRX models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how location impacts auto insurance prices.

These examples illustrate why everyone should compare prices using their specific location, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $724
• Using higher $1,000 deductibles will save $168 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,264
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,592
• Drivers who are prone to accidents and violations could pay around $2,736
• The cost that insures a teen driver for full coverage can cost $4,710 or more

View Chart as Image

Auto insurance rates for a Subaru WRX can also vary considerably based on the model of your WRX, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. Subaru WRX insurance for high-risk drivers can be anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,700 a year. View Rates by Age

Where you live has a huge impact on Subaru WRX insurance rates. A driver around age 40 might see rates 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.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $500 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $345 extra every year. View Rates by Deductible or Liability Limit

How to Find Low Cost Subaru WRX Insurance

Saving money on Subaru WRX insurance requires avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Compare prices at least every other year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The list below is a review of the car insurance concepts touched on above.

• High-risk drivers who have several accidents or serious violations could be charged and average of $1,470 more per year for car insurance
• It is possible to save around $150 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $500 each year
• Drivers who purchase higher liability limits will pay an extra $420 annually to increase from a minimum limit to the 250/500 level

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.