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 auto insurance rates for a Subaru WRX are $1,230 annually including full coverage. Comprehensive costs on average $260 each year, collision costs $446, and liability costs $388. A policy with just liability insurance costs as little as $434 a year, with coverage for high-risk drivers costing around $2,658. 16-year-old drivers receive the highest rates at $4,602 a year or more.

Average premium for full coverage: $1,230

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and WRX models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how location impacts car insurance rates.

These examples highlight why all drivers should compare rates based on a specific location and their own personal driving habits, instead of using rate averages.

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

Rate Comparisons

The chart below breaks down estimated 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 $160 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,230
• Buying low deductibles for comprehensive and collision insurance will cost $1,542
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,658 or more
• The cost with full coverage for a teen driver may cost $4,602 a year

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $480 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,750 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company utilizes a different rate formula, and rates can be significantly different between companies.

How to Buy More Affordable Subaru WRX Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also having good credit, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around at least once a year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below is a summary of the primary concepts that were touched on above.

• You may be able to save as much as $150 per year simply by quoting online in advance
• Higher risk drivers who have multiple accidents or major violations pay on average $1,430 more each year for auto insurance
• Increasing deductibles could save up to $475 each year
• Teenage drivers pay higher rates, as much as $384 per month if they have full coverage

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.