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 insurance. Comprehensive costs approximately $270 a year, collision costs $474, and liability costs $384. Liability-only insurance costs as little as $432 a year, with high-risk driver insurance costing around $2,736. 16-year-old drivers cost the most to insure at $4,710 a year or more.

Average premium for full coverage: $1,264

Policy rates by type of insurance:

Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and WRX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than congested cities.

The diagram below illustrates how where you live affects auto insurance prices.

The examples above illustrate why it is important to compare rates using their specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below illustrates estimated Subaru WRX insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $724
• Drivers who choose higher $1,000 deductibles will pay $1,096 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,264
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,592
• Drivers with multiple tickets or accidents could pay around $2,736 or more
• Policy cost for full coverage for a 16-year-old driver can cost $4,710 a year

View Chart as Image

Auto insurance rates for a Subaru WRX also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age

Your home state makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $500 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost from 45% to 132% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Every company utilizes a different rate formula, and quoted rates will be varied from one company to the next.

How to Find the Best Cheap Subaru WRX Insurance

Finding cheaper rates on insurance for a Subaru WRX not only requires being a low-risk driver, but also having good credit, being claim-free, and not having any coverage lapses. Take the time to comparison shop once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a quick review of the data that was touched on in the above illustrations.

• It is possible to save around $150 per year simply by quoting early and online
• Insureds who purchase more liability coverage will pay around $420 annually to go from a 30/60 limit to 250/500 limits
• Teen drivers have the highest car insurance rates, possibly costing $393 each month if they have full coverage
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,470 more per year to insure their WRX

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.