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.

Estimated insurance prices for a Subaru WRX are $1,230 every 12 months for full coverage. Comprehensive insurance costs on average $260, collision insurance costs $446, and liability coverage is estimated at $388. Liability-only insurance costs approximately $434 a year, and high-risk driver insurance costs $2,658 or more. Teen drivers pay the most at up to $4,602 a year.

Average premium for full coverage: $1,230

Premium estimates by type of coverage:

Includes $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all WRX models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than larger metro areas. The example below illustrates how location helps determine car insurance rates.

These rate differences show why everyone should get quotes based on a specific location and their own driving history, rather than using price averages.

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

Additional Charts and Tables

The chart below shows average Subaru WRX insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $708
• Choosing higher $1,000 deductibles can save around $160 a year
• The average price for a 40-year-old good driver with $500 deductibles is $1,230
• Choosing pricier low deductibles for comp and collision coverage costs an extra $312 each year
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,658
• An auto insurance policy to insure a teenage driver for full coverage may cost $4,602 each year

View Chart as Image

Insurance prices for a Subaru WRX also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your WRX.

Choosing high deductibles can save as much as $480 a year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $349 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,000 additional annually, depending on your age. Subaru WRX insurance for high-risk drivers ranges around 43% to 136% more than average. View High Risk Driver Rates

Where you choose to 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 Idaho, Maine, and Iowa, or as much as $1,750 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Cheapest Subaru WRX Insurance

Finding better rates on auto insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates at every policy renewal by getting quotes from direct carriers, and also from local independent and exclusive agents.

The points below are a recap of the data covered in the charts and tables above.

• Consumers who require increased liability limits will pay about $430 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Drivers can save as much as $150 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $475 each year
• Drivers under the age of 20 pay higher prices, as much as $384 per month if full coverage is included

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.