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. Comprehensive costs approximately $270, collision insurance costs $474, and liability is $384. Buying just liability costs around $432 a year, and insurance for high-risk drivers costs around $2,736. Teen drivers cost the most to insure at up to $4,710 a year.

Average premium for full coverage: $1,264

Policy rates by type of insurance:

Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all WRX models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than larger metro areas. The example below illustrates how your location can change auto insurance prices.

The examples above show why everyone should compare rates quotes using their specific location, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below shows average Subaru WRX insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $724
• Raising to $1,000 deductibles will save $168 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,264
• Choosing pricier low deductibles bumps up the cost to $1,592
• Drivers with multiple violations and an at-fault accident could pay around $2,736
• Policy cost that insures a 16-year-old driver for full coverage can cost $4,710

View Chart as Image

Insurance rates for a Subaru WRX also range considerably based on the model of your WRX, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Subaru WRX insurance for high-risk drivers is expensive and can cost from 45% to 132% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Your home state also has a big influence on Subaru WRX insurance prices. A middle-age driver might find rates as low as $830 a year in states like Iowa, Maine, and Idaho, or as much as $1,800 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $500 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $345 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Subaru WRX Insurance

Finding cheaper rates on insurance for a Subaru WRX consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around every other policy renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

The next list is a quick review of the ideas that were illustrated above.

• Drivers age 20 and younger are expensive to insure, costing up to $393 each month if full coverage is included
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,470 more per year to buy Subaru WRX insurance
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Drivers can save around $150 per year just by quoting online well ahead of the renewal date

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.