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 including full coverage. Comprehensive insurance costs approximately $270 a year, collision insurance costs $474, and liability insurance costs around $384. Liability-only insurance costs as low as $432 a year, and high-risk driver insurance costs $2,736 or more. 16-year-old drivers cost the most to insure at up to $4,710 a year.

Average premium for full coverage: $1,264

Policy rates by type of insurance:

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and WRX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates how where you live affects auto insurance prices.

The examples above highlight why it is important to compare prices using their specific location, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $724
• Using higher $1,000 deductibles will save $1,096 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,264
• Buying low $100 deductibles for physical damage coverage will cost an additional $328 a year
• Drivers with multiple tickets or accidents could pay around $2,736
• Policy cost that insures a teen driver can cost $4,710 or more

View Chart as Image

Auto insurance rates for a Subaru WRX also range considerably based on the trim level of your WRX, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $4,700 a year. View Rates by Age

Your home state has a huge impact on Subaru WRX insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $500 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Subaru WRX Insurance

Finding cheaper rates on Subaru WRX insurance requires being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Comparison shop at least every other year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

Below is a quick review of the car insurance concepts touched on in the above illustrations.

• High-risk drivers with a DUI or reckless driving violation will likely pay on average $1,470 more per year for auto insurance
• You may be able to save around $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Drivers who purchase higher levels of liability will pay around $420 per year to increase from a 30/60 limit to the 250/500 level

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.