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 insurance prices for a Subaru WRX are $1,230 every 12 months for full coverage insurance. Comprehensive costs an estimated $260, collision insurance costs $446, and liability coverage costs around $388. A policy with just liability insurance costs as low as $434 a year, and coverage for high-risk drivers costs around $2,658. Teenage drivers 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:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all WRX models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. More rural locations have more infrequent physical damage claims than densely populated cities. The example below illustrates the effect of geographic area on insurance prices.

The ranges above illustrate why everyone should compare prices for a targeted area and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $708
• Using higher $1,000 deductibles will save approximately $160 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,230
• Using pricier low deductibles for physical damage coverage increases the price to $1,542
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,658
• The price to insure a teenage driver for full coverage can cost as much as $4,602 or more

View Chart as Image

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

Using high physical damage deductibles could cut prices by as much as $480 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect 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 probably paying $1,500 to $2,000 extra each year, depending on your age. Subaru WRX insurance for high-risk drivers can be around 43% to 136% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

How to Shop for the Best Cheap Subaru WRX Insurance

Getting lower rates on auto insurance requires having a decent driving record, having good credit, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates every year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a quick review of the coverage data covered in the above illustrations.

• It is possible to save approximately $150 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $475 each year
• 16 to 18-year-old drivers are charged the highest prices, as much as $384 a month if they have full coverage
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,430 more annually than a driver with a clean driving record

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.