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 prices for a Subaru WRX are $1,230 every 12 months for full coverage insurance. Comprehensive insurance costs around $260 each year, collision insurance costs $446, and liability costs $388. Liability-only coverage costs as little as $434 a year, and high-risk coverage costs $2,658 or more. Teen drivers pay the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Price estimates for individual coverage:

Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and WRX models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how location impacts auto insurance rates.

The ranges above illustrate why all drivers should compare rates for a specific zip code and their own driving history, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $708
• Drivers who choose higher $1,000 deductibles will pay about $160 each year
• The average price for the average middle-age driver using $500 deductibles is $1,230
• Choosing low deductibles for comprehensive and collision insurance costs an extra $312 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,658
• The price to insure a teen driver can be $4,602 a year

View Chart as Image

Auto insurance prices for a Subaru WRX are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Choosing high deductibles could save up to $480 every year, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,500 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 136% more than average. View High Risk Driver Rates

The state you live in makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,660 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for the Best Cheap Subaru WRX Insurance

Getting lower rates on car insurance not only requires being a good driver, but also having a good credit score, not filing small claims, and possibly raising deductibles. Spend time shopping around every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a quick review of the material that was touched on above.

• Policyholders who may need an increased level of liability coverage will pay about $430 annually to go from a low limit to a 250/500 level
• Drivers age 16 to 20 are expensive to insure, as much as $384 a month if comprehensive and collision insurance is included
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,430 more every year than a safer driver
• Increasing physical damage deductibles could save as much as $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.