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. Comprehensive costs approximately $260 each year, collision costs $446, and liability is estimated at $388. Liability-only insurance costs approximately $434 a year, with high-risk driver insurance costing around $2,658. Teens pay the most at $4,602 a year or more.

Average premium for full coverage: $1,230

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and WRX models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance prices.

These rate differences show why all drivers should get quotes using their specific location, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below shows estimated Subaru WRX insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $708
• Choosing higher $1,000 deductibles can save $160 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,230
• Selecting low deductibles for comp and collision coverage bumps up the cost to $1,542
• Higher-risk drivers with serious driving violations could pay around $2,658 or more
• An auto insurance policy that insures a 16-year-old driver can cost $4,602 each year

View Chart as Image

Insurance prices for a Subaru WRX also have a wide range based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,500 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers ranges from 43% to 136% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Subaru WRX insurance prices. A good driver about age 40 could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison from multiple companies. Each auto insurer calculates prices differently, and prices will be substantially different.

How to Find Cheaper Subaru WRX Insurance

Finding better rates on insurance for a Subaru WRX takes avoiding accidents and violations, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare rates at least once a year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The list below is a condensed summary of the primary concepts that were covered in the charts and tables above.

• Drivers can save around $150 per year simply by quoting online in advance
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,430 more per year for car insurance
• Increasing policy deductibles can save approximately $475 each year
• Teenagers are the costliest to insure, as much as $384 per month if comprehensive and collision insurance is included

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.