Subaru WRX Insurance Rates
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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:
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.
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.
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
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.
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% |
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.
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,542 |
$250 | $1,398 |
$500 | $1,230 |
$1,000 | $1,070 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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