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 auto insurance rates for a Subaru WRX are $1,230 annually with full coverage. Comprehensive insurance costs around $260, collision costs $446, and liability coverage is $388. A policy with just liability insurance costs around $434 a year, with coverage for high-risk drivers costing $2,658 or more. Teens receive the highest rates at $4,602 a year or more.

Average premium for full coverage: $1,230

Rate estimates for individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different WRX trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects auto insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $708
• Raising to $1,000 deductibles will save about $160 annually
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,230
• Selecting more expensive low deductibles costs an additional $312 each year
• Unlucky drivers with serious driving violations could pay at least $2,658 or more
• The cost with full coverage for a teenage driver with full coverage can be $4,602

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,500 to $2,000 additional per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 136% more than the average policy. View High Risk Driver Rates

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

Where you live also has a big influence on Subaru WRX insurance rates. A middle-age driver might find rates as low as $890 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,660 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out your exact price is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, and rates can be significantly different between companies.

How to Buy the Best Subaru WRX Insurance

Saving money on auto insurance consists of having a decent driving record, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every other policy renewal by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a brief recap of the ideas that were touched on in the above illustrations.

• 16 to 18-year-old drivers are charged the highest rates, with premiums as much as $384 per month if they have full coverage
• Drivers who tend to receive serious violations may pay on average $1,430 more every year than a driver with a clean driving record
• Increasing deductibles could save up to $475 each year
• You may be able to save up to $150 per year simply by shopping 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.