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.

U.S. average insurance prices for a Subaru WRX are $1,230 every 12 months for full coverage. Comprehensive costs approximately $260 a year, collision costs $446, and liability is estimated at $388. A policy with just liability insurance costs approximately $434 a year, with coverage for high-risk drivers costing around $2,658. 16-year-old drivers pay the highest rates at $4,602 a year or more.

Average premium for full coverage: $1,230

Price estimates by individual coverage:

Estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and WRX trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations have more infrequent accident claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance prices.

The ranges above show why it is important to get quotes using their specific location and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $708
• Choosing higher $1,000 deductibles can save $1,070 a year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,230
• Buying low $100 deductibles for comp and collision coverage increases the price to $1,542
• Higher-risk drivers with multiple tickets or accidents could pay around $2,658 or more
• The price to insure a 16-year-old driver can cost $4,602 each year

View Chart as Image

Insurance prices for a Subaru WRX are also quite variable based on deductibles and policy limits, your driver profile, and the model of your WRX.

Opting for high physical damage deductibles can save as much as $480 annually, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 136% more than the average rate. View High Risk Driver Rates

The state you live in 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 at least $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, so the prices may be quite different.

How to Shop for Low Cost Subaru WRX Insurance

Getting lower rates on insurance for a Subaru WRX takes avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a review of the material that was touched on in this article.

• Insureds who purchase increased liability limits will pay around $430 each year to raise limits from a low limit to a 250/500 level
• Drivers under the age of 20 are expensive to insure, with premiums as much as $384 a month if they have full coverage
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,430 more per year to insure a Subaru WRX
• Increasing physical damage deductibles could save as much as $475 each year

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.