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 insurance rates for a Subaru WRX are $1,230 a year with full coverage. Comprehensive insurance costs approximately $260, collision insurance costs $446, and liability is $388. A policy with just liability insurance costs around $434 a year, and coverage for high-risk drivers costs $2,658 or more. Teenage drivers receive the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Rate estimates by individual coverage type:

Prices include $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different WRX trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations tend to have lower incidents of collision claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $708
• Raising to $1,000 deductibles will save $160 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,230
• Using more expensive low deductibles will cost an additional $312 annually
• Drivers who are prone to accidents and violations could pay around $2,658
• The cost that insures a 16-year-old driver with full coverage can cost $4,602

View Chart as Image

Insurance rates for a Subaru WRX can also vary considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,500 to $2,000 additional per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 136% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live also has a big influence on Subaru WRX insurance prices. A middle-age driver might find rates as low as $890 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,660 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $480 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit

How to Find the Right Subaru WRX Insurance

Saving money on insurance for a Subaru WRX consists of not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Compare prices every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following is a quick rundown of the material that was touched on in the above illustrations.

• Insureds who purchase higher liability limits will pay an extra $430 every year to raise from a minimum limit to the 250/500 level
• Teens are the costliest to insure, with premiums as much as $384 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,430 more per year for WRX insurance
• Increasing deductibles can save approximately $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.