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.

U.S. average insurance prices for a Subaru WRX are $1,230 every 12 months with full coverage. Comprehensive insurance costs around $260 each year, collision insurance costs $446, and liability coverage costs around $388. Liability-only coverage costs as low as $434 a year, and high-risk coverage costs $2,658 or more. 16-year-old drivers pay the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Price estimates for individual coverage:

These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and WRX models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. Areas with sparse population have more infrequent collision claims than congested cities. The graphic below illustrates how geographic area affects auto insurance rates.

The ranges above demonstrate why all drivers should compare prices for a specific zip code and their own driving history, rather than using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $708
• Using higher $1,000 deductibles will save about $160 annually
• The average price for the average middle-age driver using $500 deductibles is $1,230
• Buying low deductibles for physical damage coverage costs an extra $312 each year
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,658
• The price to insure a teenage driver can be $4,602 or more

View Chart as Image

Auto insurance prices for a Subaru WRX are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.

Opting for high physical damage deductibles could cut prices by as much as $480 a year, whereas increasing liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,500 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can be around 43% to 136% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Subaru WRX insurance rates. A driver around age 40 might see prices as low as $890 a year in states like New Hampshire, Ohio, and Utah, or at least $1,660 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for Cheap Subaru WRX Insurance

Getting lower rates on auto insurance requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at every other renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a brief summary of the concepts that were presented in the illustrations above.

• Drivers that tend to have accidents or serious violations pay on average $1,430 more every year to buy Subaru WRX insurance
• Drivers age 20 and younger are expensive to insure, costing up to $384 a month if comprehensive and collision insurance is included
• You may be able to save up to $150 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $475 each year
• You may be able to save up to $150 per year just by quoting online in advance

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.