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.

Estimated auto insurance rates for a Subaru WRX are $1,264 annually including full coverage. Comprehensive insurance costs around $270 each year, collision costs $474, and liability is $384. Liability-only insurance costs around $432 a year, with high-risk driver insurance costing $2,736 or more. 16-year-old drivers pay the most at $4,710 a year or more.

Average premium for full coverage: $1,264

Premium estimates for type of coverage:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and WRX models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how location helps determine auto insurance rates.

These rate differences highlight why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of using rate averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Subaru WRX insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $724
• Raising to $1,000 deductibles will save about $168 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,264
• Buying low deductibles costs an additional $328 every year
• At-risk drivers with multiple tickets or accidents could pay at least $2,736 or more
• An auto insurance policy with full coverage for a teen driver can be $4,710

View Chart as Image

Insurance prices for a Subaru WRX also have a wide range based on the model of your WRX, your driving characteristics, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $500 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $345 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Subaru WRX insurance prices. A middle-age driver might find prices as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,800 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison and see which company has the best price. Every auto insurance company utilizes a different rate formula, and prices will be substantially different between companies.

How to Buy Affordable Subaru WRX Insurance

Finding better rates on car insurance consists of avoiding accidents and violations, having good credit, refrain from filing small claims, and taking advantage of discounts. Invest time comparing rates every time your policy renews by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The list below is a brief review of the information covered in the charts and tables above.

• You may be able to save up to $150 per year simply by quoting online in advance
• Teenagers are charged the highest prices, with the cost nearing $393 per month if they have full coverage
• Increasing policy deductibles could save up to $500 each year
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,470 more every year for car insurance
• Policyholders who may need higher liability limits will pay around $420 per year to raise from 30/60 bodily injury limits to higher 250/500 limits

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.