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 auto insurance rates for a Subaru WRX are $1,230 annually including full coverage. Comprehensive costs approximately $260, collision costs $446, and liability costs around $388. Liability-only insurance costs as low as $434 a year, with high-risk driver insurance costing around $2,658. Teenage drivers pay the most at $4,602 a year or more.

Average premium for full coverage: $1,230

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below breaks down estimated Subaru WRX insurance rates for additional coverage and risk scenarios.

• The best discount rate is $708
• Using higher $1,000 deductibles will save $160 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,230
• Using more expensive low deductibles for physical damage coverage will cost $1,542
• High-risk insureds who are prone to accidents and violations could pay around $2,658 or more
• An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost $4,602 or more

View Chart as Image

Insurance prices for a Subaru WRX also have a wide range based on the model of your WRX, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,000 additional annually, depending on your age. High-risk driver insurance can be from 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $480 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 more each year. View Rates by Deductible or Liability Limit

Where you choose to live 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 be forced to pay as much as $1,750 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and prices will be substantially different between companies.

How to Buy Cheap Subaru WRX Insurance

Finding better rates on insurance for a Subaru WRX requires avoiding accidents and violations, having good credit, refrain from filing small claims, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a brief summary of the information raised in the charts and tables above.

• You may be able to save around $150 per year simply by shopping early and online
• Teenagers are the costliest to insure, with the cost nearing $384 per month if they have full coverage
• Increasing policy deductibles could save up to $475 each year
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,430 more per year for car insurance
• Insureds who purchase higher liability limits will pay an extra $430 per year to increase from 30/60 bodily injury limits to higher 250/500 limits

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.