Subaru WRX Insurance Rates
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UPDATED: Apr 30, 2020
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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 insurance rates for a Subaru WRX are $1,370 a year including full coverage. Comprehensive insurance costs an estimated $332 a year, collision insurance costs $570, and liability insurance is estimated at $332. Liability-only coverage costs approximately $388 a year, and high-risk coverage costs $2,952 or more. Teens pay the highest rates at up to $4,936 a year.
Average premium for full coverage: $1,370
Price estimates broken down by individual coverage:
Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and WRX trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Subaru WRX insurance prices range from the low end price of $388 for just liability coverage to a high of $2,952 for a high-risk driver policy.
Geographic Price Range
Living in a larger city has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects insurance prices.
The ranges above highlight why it is important to get quotes for a targeted area, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below breaks down average Subaru WRX insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $780
- Choosing higher $1,000 deductibles can save approximately $1,166 every year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,370
- Selecting low $100 deductibles for comp and collision coverage will cost an additional $400 a year
- High-risk insureds with serious driving violations could pay up to $2,952
- The price that insures a teen driver can cost as much as $4,936 each year
Auto insurance prices for a Subaru WRX are also quite variable based on the trim level of your WRX, your driving record and age, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are likely paying $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 131% more than the average policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $4,900 a year. View Rates by Age
The state you live in plays a big part in determining prices for Subaru WRX insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,950 on average in Louisiana, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing higher comprehensive and collision insurance deductibles can save as much as $610 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $299 extra every year. View Rates by Deductible or Liability Limit
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2020 Subaru WRX||$332||$570||$332||$1,370|
|2019 Subaru WRX||$320||$566||$338||$1,360|
|2018 Subaru WRX||$308||$552||$354||$1,350|
|2017 Subaru WRX||$298||$530||$364||$1,328|
|2016 Subaru WRX||$282||$512||$376||$1,306|
|2015 Subaru WRX||$270||$474||$384||$1,264|
Rates are averaged for all Subaru WRX models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Subaru WRX Insurance
Getting lower rates on Subaru WRX insurance takes being a safe and courteous driver, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Compare rates every time your policy renews by getting quotes from direct car insurance companies, and also from your local car insurance providers.
Below is a quick review of the information touched on in the above illustrations.
- You may be able to save approximately $170 per year just by quoting early and online
- Teenage drivers are the costliest to insure, possibly costing $411 a month if the policy includes full coverage
- Increasing physical damage deductibles can save approximately $600 each year
- High-risk drivers with a DUI or reckless driving violation could be charged and average of $1,580 more annually for auto insurance
- Drivers who want higher levels of liability will pay approximately $370 per year to raise limits from a low limit to the 250/500 level
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$104|
|5-yr Claim Free||$89|
|Paid in Full/EFT||$66|
Discounts are estimated and may not be available from every company or in every state.