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.

Estimated insurance rates for a Subaru WRX are $1,230 a year for full coverage insurance. Comprehensive costs an estimated $260 a year, collision costs $446, and liability costs $388. A policy with only liability insurance costs as little as $434 a year, with a high-risk policy costing around $2,658. 16-year-old drivers pay the most at $4,602 a year or more.

Average premium for full coverage: $1,230

Premium estimates broken down by type of coverage:

Rates are based on $500 deductible amounts, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities.

The diagram below illustrates the effect of geographic area on insurance prices.

These rate differences illustrate why it is important to compare rates for a targeted area, instead of using rate averages.

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

Additional Rate Details

The chart below illustrates estimated Subaru WRX insurance rates for other coverage scenarios.

• The best full coverage rate is $708
• Drivers who choose higher $1,000 deductibles will pay approximately $1,070 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,230
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,542
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,658 or more
• An auto insurance policy that insures a teen driver can cost as much as $4,602 a year

View Chart as Image

Car insurance prices for a Subaru WRX also have a wide range based on the trim level of your WRX, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,500 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 136% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $4,600 a year. View Rates by Age

Where you choose to live 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 North Carolina, Wisconsin, and Vermont, or at least $1,660 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $480 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Every company utilizes a different rate formula, so rate quotes will be substantially different.

How to Find the Best Cheap Subaru WRX Insurance

Finding better rates on car insurance not only requires having a good driving record, but also having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Comparison shop every year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The next list is a quick review of the coverage data covered in the above illustrations.

• It is possible to save approximately $150 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $475 each year
• Drivers age 20 and younger have the highest car insurance prices, with premiums being up to $384 per month if full coverage is purchased
• Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,430 more annually to buy Subaru WRX insurance

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.