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 auto insurance rates for a Subaru WRX are $1,230 annually for full coverage. Comprehensive costs approximately $260, collision insurance costs $446, and liability coverage is estimated at $388. Liability-only coverage costs approximately $434 a year, and high-risk coverage costs around $2,658. Teenage drivers receive the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Rate estimates by individual coverage type:

Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all WRX models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural locations tend to have fewer accident claims than densely populated cities. The example below illustrates how where you live affects auto insurance prices.

These examples show why everyone should get quotes using their specific location and their own personal driving habits, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $708
• Choosing higher $1,000 deductibles can save $160 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,230
• Using pricier low deductibles for comp and collision coverage will cost $1,542
• Drivers who are prone to accidents and violations could pay around $2,658
• The cost with full coverage for a teenage driver for full coverage can cost $4,602 each year

View Chart as Image

Car insurance rates for a Subaru WRX can also vary considerably based on the trim level of your WRX, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,500 to $2,000 extra per year, depending on your age. Subaru WRX insurance for high-risk drivers ranges around 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $480 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Subaru WRX insurance rates. A good driver about age 40 could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy the Best Subaru WRX Insurance

Saving money on auto insurance takes having a good driving record, having a good credit score, eliminating unneeded coverage, and attention to physical damage deductibles. Take the time to comparison shop once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The next list is a brief recap of the data that was touched on in the above illustrations.

• Drivers can save around $150 per year just by quoting online well ahead of the renewal date
• Consumers who purchase increased levels of liability coverage will pay an extra $430 each year to raise limits from a minimum limit to higher 250/500 limits
• Drivers age 20 and younger pay the highest auto insurance rates, costing as high as $384 per month if comprehensive and collision insurance is included
• Drivers who tend to receive serious violations pay on average $1,430 more per year to buy Subaru WRX insurance

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.