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.

The average insurance rates for a Subaru WRX are $1,264 a year including full coverage. Comprehensive insurance costs around $270 each year, collision insurance costs $474, and liability is $384. Liability-only insurance costs around $432 a year, and high-risk driver insurance costs $2,736 or more. Teens cost the most to insure at up to $4,710 a year.

Average premium for full coverage: $1,264

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and WRX models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance rates.

The examples above highlight why all drivers should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $724
• Raising to $1,000 deductibles will save about $168 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,264
• Selecting low deductibles will cost an extra $328 annually
• Drivers with serious driving violations could pay at least $2,736
• Policy cost for full coverage for a 16-year-old driver can be $4,710

View Chart as Image

Auto insurance rates for a Subaru WRX also range considerably based on your risk profile, the model of your WRX, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $4,700 a year. View Rates by Age

Your home state also has a big influence on Subaru WRX insurance prices. A middle-age driver might find rates as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,800 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $500 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 132% more than the average policy. View High Risk Driver Rates

How to Find Cheap Subaru WRX Insurance

Finding cheaper rates on insurance for a Subaru WRX consists of having a decent driving record, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to compare rates every couple of years 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 summary of the material that was presented in the illustrations above.

• Insureds who may need additional liability coverage will pay approximately $420 per year to raise from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $393 each month if they have full coverage
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,470 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $500 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.