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 rates for a Subaru WRX are $1,230 a year for full coverage. Comprehensive insurance costs an estimated $260 each year, collision insurance costs $446, and liability costs around $388. Liability-only coverage costs as low as $434 a year, and high-risk coverage 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 broken down by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and WRX models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on insurance rates. More rural locations have lower incidents of accident claims than congested cities. The graphic below illustrates how where you live affects insurance prices.

The ranges above show why all drivers should compare prices for a targeted area, instead of using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $708
• Using higher $1,000 deductibles will save approximately $160 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,230
• Buying low deductibles for physical damage coverage will cost an additional $312 every year
• Drivers with multiple tickets or accidents could pay up to $2,658
• The price that insures a teen driver can cost as much as $4,602 or more

View Chart as Image

Auto insurance prices for a Subaru WRX are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,500 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 136% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $4,600 a year. View Rates by Age

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 $810 a year in states like Iowa, Maine, and Idaho, or at least $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $480 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

How to Find Affordable Subaru WRX Insurance

Getting lower rates on car insurance requires having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Comparison shop at least every other year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a brief review of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,430 more annually than a driver with a clean driving record
• Drivers can save approximately $150 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $475 each year
• Policyholders who want additional liability coverage will pay around $430 each year to increase from a low limit to the 250/500 level

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.