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.

Average insurance prices for a Subaru WRX are $1,264 every 12 months with full coverage. Comprehensive costs approximately $270 each year, collision costs $474, and liability insurance is estimated at $384. A liability-only policy costs approximately $432 a year, with high-risk insurance costing around $2,736. 16-year-old drivers receive the highest rates at $4,710 a year or more.

Average premium for full coverage: $1,264

Rate estimates by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and WRX models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Rural locations tend to have more infrequent collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

These examples demonstrate why all drivers should get quotes using their specific location and their own driving history, rather than relying on rate averages.

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

More Rate Details

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

• The best full coverage rate is $724
• Choosing higher $1,000 deductibles can save $168 annually
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,264
• Buying low deductibles for comp and collision coverage increases the price to $1,592
• High-risk insureds with multiple tickets or accidents could pay around $2,736 or more
• The cost to insure a teen driver can cost $4,710 each year

View Chart as Image

Insurance rates for a Subaru WRX can also vary considerably based on policy deductibles and limits, your driving record, and the model of your WRX.

Opting for high physical damage deductibles can save as much as $500 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $345 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Subaru WRX insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Utah, Ohio, and New Hampshire, or at least $1,710 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so the rates can be significantly different.

How to Shop for Cheaper Subaru WRX Insurance

Saving money on Subaru WRX insurance takes having a decent driving record, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a condensed summary of the data that was covered above.

• You may be able to save around $150 per year simply by quoting online in advance
• Drivers who purchase additional liability coverage will pay around $420 every year to raise limits from a minimum limit to a 250/500 level
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $393 per month if they have full coverage
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,470 more per year 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.