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.

The average insurance rates for a Subaru WRX are $1,264 a year for full coverage. Comprehensive insurance costs around $270 each year, collision insurance costs $474, and liability costs around $384. A liability-only policy costs as low as $432 a year, and high-risk insurance costs $2,736 or more. 16-year-old drivers cost the most to insure at up to $4,710 a year.

Average premium for full coverage: $1,264

Policy rates for type of insurance:

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and WRX models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance rates.

The examples above show why all drivers should compare prices for a specific zip code, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $724
• Using higher $1,000 deductibles will save about $168 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,264
• Buying low deductibles for physical damage coverage will cost an additional $328 annually
• High-risk insureds with multiple tickets or accidents could pay at least $2,736
• Policy cost that insures a 16-year-old driver can be $4,710 or more

View Chart as Image

Car insurance rates for a Subaru WRX also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be from 45% to 132% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $4,700 a year. View Rates by Age

Your home state has a huge impact on Subaru WRX insurance prices. A driver around age 40 might see rates as low as $830 a year in states like Idaho, Maine, and Iowa, or at least $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $500 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Subaru WRX Insurance

Finding cheaper rates on insurance for a Subaru WRX requires avoiding accidents and violations, having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Comparison shop every other policy renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.

The list below is a quick review of the ideas that were raised in the charts and tables above.

• Teenagers are the costliest to insure, costing up to $393 each month if full coverage is purchased
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,470 more every year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Drivers can 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.