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.

Estimated insurance rates for a Subaru WRX are $1,264 a year including full coverage. Comprehensive costs around $270 a year, collision insurance costs $474, and liability is estimated at $384. A liability-only policy costs approximately $432 a year, and high-risk insurance costs around $2,736. Teenage drivers pay the most at up to $4,710 a year.

Average premium for full coverage: $1,264

Premium estimates for type of coverage:

Prices include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance rates.

These rate differences highlight why it is important to get quotes for a specific zip code and risk profile, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $724
• Choosing higher $1,000 deductibles can save about $1,096 every year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,264
• Using low $100 deductibles for comp and collision coverage will increase the cost to $1,592
• Unlucky drivers who are prone to accidents and violations could pay at least $2,736
• An auto insurance policy for full coverage for a teen driver can be $4,710 each year

View Chart as Image

Auto insurance prices for a Subaru WRX also have a wide range based on your driving characteristics, the model of your WRX, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $4,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Subaru WRX insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,800 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $500 every year, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $345 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges as much as 45% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Right Subaru WRX Insurance

Finding better rates on car insurance takes being a good driver, having good credit, refrain from filing small claims, and possibly raising deductibles. Make time to compare rates at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a quick rundown of the data touched on in this article.

• Policyholders who may need an increased level of liability coverage will pay an extra $420 per year to raise limits from 30/60 bodily injury limits to 250/500 limits
• You may be able to save up to $150 per year just by quoting early and online
• Increasing policy deductibles can save around $500 each year
• Drivers age 16 to 20 are expensive to insure, with the cost nearing $393 per month if they have full coverage

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.