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 rates for a Subaru WRX are $1,230 a year for full coverage insurance. Comprehensive costs on average $260 a year, collision costs $446, and liability costs around $388. Liability-only coverage costs as low as $434 a year, with high-risk coverage costing around $2,658. Teenage 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:

Estimates include $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and WRX trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

These examples illustrate why it is important to compare prices based on a specific location and risk profile, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $708
• Using higher $1,000 deductibles will save around $1,070 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,230
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,542
• Drivers who are prone to accidents and violations could pay upwards of $2,658 or more
• The cost for full coverage for a teen driver may cost $4,602 or more

View Chart as Image

Car insurance rates for a Subaru WRX can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $4,600 a year. View Rates by Age

Where you live has a huge impact on Subaru WRX insurance prices. A driver around age 40 might see rates as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,660 on average in Michigan, New York, and Florida.

View Chart as Image

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

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 136% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

How to Find Low Cost Subaru WRX Insurance

Saving money on car insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at least once a year by requesting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following is a review of the primary concepts that were covered in the charts and tables above.

• It is possible to save as much as $150 per year simply by quoting early and online
• Higher risk drivers who have several accidents or serious violations pay an average of $1,430 more each year for WRX insurance
• Increasing deductibles can save around $475 each year
• Teens are expensive to insure, costing up to $384 per month if full coverage is included

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.