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 prices for a Subaru WRX are $1,230 every 12 months for full coverage insurance. Comprehensive costs an estimated $260, collision insurance costs $446, and liability insurance is estimated at $388. Buying just liability costs approximately $434 a year, and insurance for high-risk drivers costs around $2,658. Teens cost the most to insure at up to $4,602 a year.

Average premium for full coverage: $1,230

Policy rates broken down by type of insurance:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different WRX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

More Rate Details

The chart below illustrates average Subaru WRX insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $708
• Choosing higher $1,000 deductibles can save approximately $160 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,230
• Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,542
• High-risk insureds with serious driving violations could pay up to $2,658
• Policy cost to insure a teen driver with full coverage can cost as much as $4,602 each year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,500 to $2,000 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Subaru WRX insurance rates. A good driver about age 40 could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,660 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for Low Cost Subaru WRX Insurance

Finding cheaper rates on Subaru WRX insurance takes avoiding accidents and violations, having good credit, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates every couple of years by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a review of the material that was covered in the above illustrations.

• Drivers who want higher liability limits will pay approximately $430 annually to raise limits from a 30/60 limit to a 250/500 level
• Teenagers are charged the highest rates, possibly costing $384 each month if they have full coverage
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,430 more annually for car insurance
• Increasing comprehensive and collision deductibles could save as much as $475 each year

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.