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 $1,264 a year with full coverage. Comprehensive insurance costs around $270 each year, collision insurance costs $474, and liability costs around $384. Liability-only insurance costs as low as $432 a year, and high-risk driver insurance costs $2,736 or more. Teens pay the most at up to $4,710 a year.

Average premium for full coverage: $1,264

Premium estimates for type of coverage:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and WRX models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance rates.

These rate differences demonstrate why all drivers should compare prices for a specific zip code, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $724
• Using higher $1,000 deductibles will save about $168 annually
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,264
• Selecting low deductibles for physical damage coverage will cost an additional $328 annually
• High-risk insureds with serious driving violations could pay at least $2,736
• An auto insurance policy that insures a 16-year-old driver can be $4,710 or more

View Chart as Image

Insurance prices for a Subaru WRX also have a wide range based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers can be from 45% to 132% 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 a year, 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 as much as $4,700 a year. View Rates by Age

Where you choose to live has a huge impact on Subaru WRX insurance prices. A driver around age 40 might see prices as low as $910 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $500 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 more each year. View Rates by Deductible or Liability Limit

How to Find Low Cost Subaru WRX Insurance

Finding better rates on insurance for a Subaru WRX requires being safe and accident-free, having a good credit score, being claim-free, and deciding if full coverage is necessary. Compare rates at least once a year by requesting rates from direct companies, and also from your local independent and exclusive agents.

Below you'll find a review of the primary concepts that were presented in the illustrations above.

• You may be able to save up to $150 per year just by quoting online in advance
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,470 more every year than a low-risk driver
• Increasing policy deductibles can save approximately $500 each year
• Youthful drivers are charged the highest prices, possibly costing $393 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.