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.

Average auto insurance rates for a Subaru WRX are $1,230 annually including full coverage. Comprehensive costs around $260, collision insurance costs $446, and liability costs $388. Liability-only coverage costs as little as $434 a year, and high-risk coverage costs around $2,658. Teens receive the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Rate estimates for individual coverage type:

These estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for all WRX models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location impacts auto insurance rates.

These examples highlight why everyone should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $708
• Drivers who choose higher $1,000 deductibles will pay about $160 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,230
• Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,542
• Drivers with serious driving violations could pay at least $2,658
• The cost with full coverage for a 16-year-old driver for full coverage can be $4,602 a year

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Car insurance rates for a Subaru WRX can also vary considerably based on the trim level of your WRX, your driving characteristics, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,500 to $2,000 extra per year, depending on your age. Subaru WRX insurance for high-risk drivers can cost from 43% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $480 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,750 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Buy Cheap Subaru WRX Insurance

Saving money on insurance for a Subaru WRX not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and consideration of higher deductibles. Spend time shopping around at least every other year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a brief summary of the car insurance concepts touched on above.

• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,430 more every year to insure their WRX
• You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $475 each year
• Insureds who may need more liability coverage will pay approximately $430 per year to go from a minimum 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.