Subaru WRX Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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 prices for a Subaru WRX are $1,230 every 12 months including full coverage. Comprehensive costs an estimated $260, collision insurance costs $446, and liability costs around $388. Liability-only coverage costs as low as $434 a year, and high-risk coverage costs around $2,658. Teens pay the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Price estimates broken down by individual coverage:

Comprehensive $260
Collision $446
Liability $388

Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all WRX models.

Price Range from Low to High

For an average driver, Subaru WRX insurance prices range from the cheapest price of $434 for just the minimum liability insurance to the much higher price of $2,658 for a driver that may need high-risk insurance.

Liability Only $434
Full Coverage $1,230
High Risk $2,658

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on insurance prices.

Rural Areas $923
Small Cities $1,292
Large Cities $1,661

The ranges above highlight why everyone should compare prices for a targeted area and their own driving history, instead of making a decision based 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.

Additional Rate Analysis

The chart below breaks down average Subaru WRX insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $708
  • Using higher $1,000 deductibles will save approximately $160 every year
  • The average price for the average middle-age driver who has $500 deductibles is $1,230
  • Selecting pricier low deductibles for physical damage coverage increases the price to $1,542
  • High-risk insureds with serious driving violations could pay up to $2,658
  • The price to insure a 16-year-old driver for full coverage can cost as much as $4,602 or more

View Chart as Image

Subaru WRX insurance cost comparison chart
Column chart showing Subaru WRX insurance rates range from $708 to $4,602 for full coverage

Auto insurance prices for a Subaru WRX are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $480 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,500 to $2,000 in extra premium each year, depending on your age. Subaru WRX insurance for high-risk drivers can be from 43% to 136% more than the average policy. View High Risk Driver Rates

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 $940 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,750 on average in Louisiana, New York, and Michigan.

Subaru WRX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,110 -$120 -9.8%
Alaska $942 -$288 -23.4%
Arizona $1,020 -$210 -17.1%
Arkansas $1,230 -$0 0.0%
California $1,402 $172 14.0%
Colorado $1,172 -$58 -4.7%
Connecticut $1,260 $30 2.4%
Delaware $1,390 $160 13.0%
Florida $1,534 $304 24.7%
Georgia $1,136 -$94 -7.6%
Hawaii $882 -$348 -28.3%
Idaho $832 -$398 -32.4%
Illinois $914 -$316 -25.7%
Indiana $926 -$304 -24.7%
Iowa $830 -$400 -32.5%
Kansas $1,166 -$64 -5.2%
Kentucky $1,676 $446 36.3%
Louisiana $1,820 $590 48.0%
Maine $758 -$472 -38.4%
Maryland $1,014 -$216 -17.6%
Massachusetts $980 -$250 -20.3%
Michigan $2,134 $904 73.5%
Minnesota $1,030 -$200 -16.3%
Mississippi $1,472 $242 19.7%
Missouri $1,090 -$140 -11.4%
Montana $1,320 $90 7.3%
Nebraska $968 -$262 -21.3%
Nevada $1,474 $244 19.8%
New Hampshire $888 -$342 -27.8%
New Jersey $1,374 $144 11.7%
New Mexico $1,086 -$144 -11.7%
New York $1,294 $64 5.2%
North Carolina $708 -$522 -42.4%
North Dakota $1,006 -$224 -18.2%
Ohio $848 -$382 -31.1%
Oklahoma $1,260 $30 2.4%
Oregon $1,126 -$104 -8.5%
Pennsylvania $1,172 -$58 -4.7%
Rhode Island $1,638 $408 33.2%
South Carolina $1,114 -$116 -9.4%
South Dakota $1,036 -$194 -15.8%
Tennessee $1,074 -$156 -12.7%
Texas $1,480 $250 20.3%
Utah $908 -$322 -26.2%
Vermont $840 -$390 -31.7%
Virginia $736 -$494 -40.2%
Washington $946 -$284 -23.1%
West Virginia $1,128 -$102 -8.3%
Wisconsin $850 -$380 -30.9%
Wyoming $1,094 -$136 -11.1%

View Chart as Image

Subaru WRX insurance rates by U.S. city
Subaru WRX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Subaru WRX $260 $446 $388 $1,230
2016 Subaru WRX $248 $400 $390 $1,174
2015 Subaru WRX $232 $368 $390 $1,126

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 Shop for Affordable Subaru WRX Insurance

Getting lower rates on insurance for a Subaru WRX requires avoiding accidents and violations, having a good credit score, being claim-free, and consideration of higher deductibles. Take the time to compare rates once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a brief review of the data that was covered in the above illustrations.

  • You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
  • Insureds who want higher liability limits will pay approximately $430 per year to increase from a low limit to a 250/500 level
  • Teenagers are the costliest to insure, possibly costing $384 a month if comprehensive and collision insurance is included
  • Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,430 more annually for car insurance

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.

Rates by Driver Age

Subaru WRX Insurance Rates by Driver Age
Driver Age Premium
16 $4,602
20 $2,826
30 $1,280
40 $1,230
50 $1,122
60 $1,104

Full coverage, $500 deductibles

Rates by Deductible

Subaru WRX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,542
$250 $1,398
$500 $1,230
$1,000 $1,070

Full coverage, driver age 40

Rates by Liability Limit

Subaru WRX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,230
50/100 $1,308
100/300 $1,405
250/500 $1,657
100 CSL $1,346
300 CSL $1,560
500 CSL $1,715

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru WRX Insurance Rates for High Risk Drivers
Age Premium
16 $6,568
20 $4,502
30 $2,712
40 $2,658
50 $2,536
60 $2,514

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.

SR-22 Surcharge $171

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $65
Homeowner $19
5-yr Accident Free $89
5-yr Claim Free $80
Paid in Full/EFT $55
Advance Quote $60
Online Quote $88
Total Discounts $522
Rate after discounts $708

Discounts are estimated and may not be available from every company or in every state.

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