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.

U.S. average insurance rates for a Subaru WRX are $1,264 a year for full coverage. Comprehensive costs on average $270, collision insurance costs $474, and liability insurance costs around $384. Liability-only coverage costs as low as $432 a year, and high-risk coverage costs around $2,736. 16-year-old drivers pay the highest rates at up to $4,710 a year.

Average premium for full coverage: $1,264

Price estimates by individual coverage:

Includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all WRX models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than congested cities. The example below illustrates how location impacts car insurance rates.

The ranges above show why everyone should compare prices based on a specific location and risk profile, rather than relying on rate averages.

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

Additional Rate Information

The chart below shows average Subaru WRX insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $724
• Using higher $1,000 deductibles will save around $168 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,264
• Buying pricier low deductibles for physical damage coverage will increase the cost to $1,592
• Drivers with multiple tickets or accidents could pay upwards of $2,736
• The price for full coverage for a teen driver for full coverage may cost $4,710 or more

View Chart as Image

Auto insurance prices for a Subaru WRX are also quite variable based on your driving record, the trim level of your WRX, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $4,700 a year. View Rates by Age

The state you live in has a huge impact on Subaru WRX insurance rates. A driver around age 40 might see prices as low as $830 a year in states like Idaho, Maine, and Iowa, or at least $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $500 each year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $345 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. Subaru WRX insurance for high-risk drivers can be anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates

How to Find the Cheapest Subaru WRX Insurance

Getting lower rates on Subaru WRX insurance requires being a good driver, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around at least every other year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The following list is a recap of the car insurance concepts touched on above.

• High-risk drivers that have major violations or accidents will pay on average $1,470 more each year than a safer driver
• Drivers can save as much as $150 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $500 each year
• Drivers who require an increased level of liability coverage will pay around $420 each year to increase from a low limit to 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.