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 insurance. Comprehensive insurance costs on average $270 each year, collision costs $474, and liability insurance costs $384. A liability-only policy costs as little as $432 a year, with high-risk insurance costing $2,736 or more. Teen drivers cost the most to insure at $4,710 a year or more.

Average premium for full coverage: $1,264

Policy rates by type of insurance:

Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and WRX models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than larger metro areas.

The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why all drivers should compare rates based on a specific location, rather than relying on price averages.

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

Additional Rate Information

The chart below illustrates estimated Subaru WRX insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $724
• Drivers who choose higher $1,000 deductibles will pay around $168 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,264
• Choosing low deductibles for comprehensive and collision insurance will cost an additional $328 a year
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,736 or more
• Policy cost that insures a teen driver may cost $4,710 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 132% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $4,700 a year. View Rates by Age

Your home state makes a big difference in Subaru WRX insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could save up to $500 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so rate quotes will be varied.

How to Find Affordable Subaru WRX Insurance

Finding cheaper rates on Subaru WRX insurance not only requires having a good driving record, but also having a positive credit history, being claim-free, and maximizing policy discounts. Shop around at least once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a brief review of the primary concepts that were raised in the charts and tables above.

• It is possible to save as much as $150 per year simply by quoting online in advance
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,470 more each year to buy Subaru WRX insurance
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Drivers age 20 and younger are expensive to insure, possibly costing $393 each month if full coverage is purchased

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.