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 for full coverage insurance. Comprehensive costs approximately $260 each year, collision costs $446, and liability costs around $388. A policy with just liability insurance costs as low as $434 a year, with coverage for high-risk drivers costing around $2,658. Teen drivers pay the highest rates at $4,602 a year or more.

Average premium for full coverage: $1,230

Price estimates by individual coverage:

Includes $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and WRX models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations have fewer physical damage claims than larger metro areas.

The graphic below illustrates how rural and urban location affects auto insurance prices.

The ranges above illustrate why all drivers should compare prices using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $708
• Using higher $1,000 deductibles will save $160 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,230
• Choosing low deductibles for physical damage coverage will cost $1,542
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,658 or more
• The price with full coverage for a 16-year-old driver can cost $4,602 or more

View Chart as Image

Insurance prices for a Subaru WRX are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can be from 43% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $480 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Subaru WRX insurance prices. A driver around age 40 might see prices as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,660 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so the prices may be quite different between companies.

How to Buy the Cheapest Subaru WRX Insurance

Getting lower rates on insurance for a Subaru WRX requires having a good driving record, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to shop around every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a recap of the material that was raised in the charts and tables above.

• Insureds who purchase increased levels of liability coverage will pay about $430 annually to increase from a low limit to higher 250/500 limits
• Drivers age 20 and younger are expensive to insure, as much as $384 a month including comprehensive and collision insurance
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,430 more per year to buy Subaru WRX insurance
• Increasing physical damage deductibles could save up to $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.