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 $1,264 every 12 months including full coverage. Comprehensive insurance costs on average $270 each year, collision costs $474, and liability coverage is estimated at $384. Liability-only insurance costs approximately $432 a year, with high-risk driver insurance costing $2,736 or more. Teenage drivers pay the highest rates at $4,710 a year or more.

Average premium for full coverage: $1,264

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and WRX models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location helps determine car insurance rates.

The ranges above highlight why all drivers should get quotes based on a specific location and their own driving history, rather than using average rates.

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

Rate Comparisons

The chart below breaks down estimated Subaru WRX insurance rates for different risk profiles and scenarios.

• The best discount rate is $724
• Choosing higher $1,000 deductibles can save around $168 every year
• The average price for the average middle-age driver with $500 deductibles is $1,264
• Using low deductibles for comp and collision coverage costs an extra $328 each year
• Drivers who are prone to accidents and violations could pay upwards of $2,736 or more
• The price to insure a teenage driver may cost $4,710 each year

View Chart as Image

Car insurance prices for a Subaru WRX are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your WRX.

Using high physical damage deductibles can save as much as $500 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges around 45% to 132% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Subaru WRX insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,800 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different.

How to Shop for More Affordable Subaru WRX Insurance

Getting lower rates on auto insurance takes being a good driver, maintaining a good credit score, being claim-free, and maximizing policy discounts. Invest time comparing rates once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a summary of the data that was covered in the charts and tables above.

• You may be able to save as much as $150 per year simply by quoting online in advance
• Consumers who require an increased level of liability coverage will pay an extra $420 per year to raise limits from a low limit to a 250/500 level
• Drivers age 16 to 20 are expensive to insure, possibly costing $393 a month if the policy includes full coverage
• Drivers who have multiple accidents or major violations may pay on average $1,470 more each year than a safer driver

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.