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

Average premium for full coverage: $1,230

Policy rates for type of insurance:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and WRX models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance rates.

The examples above show why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $708
• Choosing higher $1,000 deductibles can save about $160 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,230
• Using low deductibles for comp and collision coverage will cost $1,542
• High-risk insureds who are prone to accidents and violations could pay at least $2,658
• Policy cost with full coverage for a teen driver can be $4,602 each year

View Chart as Image

Car insurance rates for a Subaru WRX also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,500 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $480 each year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

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 $810 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,750 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Low Cost Subaru WRX Insurance

Finding cheaper rates on Subaru WRX insurance takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a review of the information presented in the illustrations above.

• Drivers can save up to $150 per year just by quoting online in advance
• 16 to 18-year-old drivers are the costliest to insure, costing up to $384 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $475 each year
• High-risk drivers who have several accidents or serious violations pay an average of $1,430 more every year than a driver with a clean driving record
• Drivers who may need additional liability coverage will pay an extra $430 each year to raise limits from a 30/60 limit to higher 250/500 limits

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.