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 auto insurance rates for a Subaru WRX are $1,230 annually including full coverage. Comprehensive insurance costs on average $260, collision insurance costs $446, and liability is $388. Liability-only coverage costs around $434 a year, and high-risk coverage costs $2,658 or more. Teens pay the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different WRX trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have fewer comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $708
• Raising to $1,000 deductibles will save around $160 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,230
• Selecting more expensive low deductibles costs an additional $312 annually
• Drivers with serious driving violations could pay upwards of $2,658
• The price with full coverage for a 16-year-old driver with full coverage may cost $4,602

View Chart as Image

Auto insurance prices for a Subaru WRX are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,000 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $480 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Subaru WRX insurance prices. A middle-age driver might find prices as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,750 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Buy the Best Subaru WRX Insurance

Getting lower rates on insurance for a Subaru WRX consists of having a decent driving record, having above-average credit, being claim-free, and deciding if full coverage is necessary. Set aside time to compare rates at every policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief recap of the data covered above.

• Insureds who require additional liability coverage will pay approximately $430 per year to raise from a low limit to higher 250/500 limits
• You may be able to save as much as $150 per year just by shopping early and online
• Increasing physical damage deductibles could save up to $475 each year
• 16 to 18-year-old drivers are charged the highest prices, possibly costing $384 a month if full coverage 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.