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 an estimated $260, collision insurance costs $446, and liability insurance is estimated at $388. Liability-only insurance costs approximately $434 a year, and high-risk driver insurance costs around $2,658. Teenage drivers pay the most at up to $4,602 a year.

Average premium for full coverage: $1,230

Premium estimates broken down by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all WRX models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities. The example below illustrates the difference location can make on insurance prices.

These rate differences show why everyone should get quotes for a targeted area and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below shows average Subaru WRX insurance rates for other coverage scenarios.

• The best discount rate is $708
• Choosing higher $1,000 deductibles can save approximately $160 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,230
• Using pricier low deductibles for comp and collision coverage will increase the cost to $1,542
• High-risk insureds who are prone to accidents and violations could pay up to $2,658
• An auto insurance policy for full coverage for a teen driver for full coverage can cost as much as $4,602 each year

View Chart as Image

Insurance prices for a Subaru WRX also have a wide range based on your driving characteristics, the trim level of your WRX, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $4,600 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles can save as much as $480 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $349 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,500 to $2,000 additional annually, depending on your age. Subaru WRX insurance for high-risk drivers ranges anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates

How to Find More Affordable Subaru WRX Insurance

Finding better rates on Subaru WRX insurance takes having a decent driving record, having a good credit history, not filing small claims, and possibly raising deductibles. Make time to compare rates at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a summary of the car insurance concepts touched on in this article.

• High-risk drivers who have multiple accidents or major violations pay an average of $1,430 more annually than a driver with a clean driving record
• Drivers can save approximately $150 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $475 each year
• Drivers who want additional liability coverage will pay an extra $430 each year to raise limits from 30/60 bodily injury limits 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.