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 insurance costs on average $260 a year, collision insurance costs $446, and liability insurance costs $388. Liability-only insurance costs as little as $434 a year, and high-risk driver insurance costs $2,658 or more. 16-year-old drivers pay the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and WRX trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on insurance rates. Rural areas have more infrequent physical damage claims than congested cities. The diagram below illustrates how where you live affects car insurance rates.

The ranges above illustrate why it is important to compare rates based on a specific location and their own driving history, rather than relying on rate averages.

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

Detailed Rate Analysis

The chart below illustrates average Subaru WRX insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $708
• Drivers who choose higher $1,000 deductibles will pay around $1,070 each year
• The average price for the average middle-age driver with $500 deductibles is $1,230
• Buying low $100 deductibles for comprehensive and collision insurance costs an extra $312 a year
• High risk drivers with multiple tickets or accidents could pay upwards of $2,658
• The price to insure a teen driver may cost $4,602 a year

View Chart as Image

Car insurance prices for a Subaru WRX are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your WRX.

Opting for high physical damage deductibles could save up to $480 each year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $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 at a minimum $1,500 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 136% more than the average rate. View High Risk Driver Rates

The state you live in makes a big difference in Subaru WRX insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,660 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for Low Cost Subaru WRX Insurance

Getting lower rates on Subaru WRX insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, not filing small claims, and possibly raising deductibles. Take the time to comparison shop at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a review of the concepts that were touched on in the above illustrations.

• High-risk drivers who have several accidents or serious violations pay on average $1,430 more each year for car insurance
• Teenagers are expensive to insure, as much as $384 a month if the policy includes full coverage
• It is possible to save as much as $150 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $475 each year
• It is possible to save as much as $150 per year just by quoting early and online

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.