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.

Average insurance prices for a Subaru WRX are $1,264 every 12 months including full coverage. Comprehensive insurance costs on average $270 a year, collision costs $474, and liability costs around $384. Liability-only coverage costs as low as $432 a year, with high-risk coverage costing $2,736 or more. Teen drivers receive the highest rates at $4,710 a year or more.

Average premium for full coverage: $1,264

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference location can make on car insurance rates.

These examples highlight why it is important to compare prices based on a specific location and their own driving history, instead of using price averages.

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

Additional Rate Analysis

The chart below breaks down estimated Subaru WRX insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $724
• Using higher $1,000 deductibles will save around $1,096 every year
• The average price for a 40-year-old driver with $500 deductibles is $1,264
• Choosing low $100 deductibles for physical damage coverage costs an extra $328 every year
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,736 or more
• The cost to insure a teen driver may cost $4,710 or more

View Chart as Image

Car insurance rates for a Subaru WRX can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your WRX.

Choosing high deductibles could cut rates by as much as $500 every year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 132% more than average. View High Risk Driver Rates

Where you live has a huge impact on Subaru WRX insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,800 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes can be significantly different.

How to Shop for the Best Cheap Subaru WRX Insurance

Saving money on car insurance requires being a safe and courteous driver, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Make time to compare rates at every other renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a quick review of the concepts that were touched on in this article.

• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,470 more each year for auto insurance
• Teenage drivers are expensive to insure, as much as $393 per month if the policy includes full coverage
• You may be able to save as much as $150 per year simply by quoting early and online
• Increasing deductibles could save as much as $500 each year
• You may be able to save as much as $150 per year simply by quoting early and online

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.