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.

The average auto insurance rates for a Subaru WRX are $1,230 annually including full coverage. Comprehensive costs around $260, collision costs $446, and liability is $388. Liability-only insurance costs around $434 a year, with high-risk driver insurance costing around $2,658. 16-year-old drivers cost the most to insure at $4,602 a year or more.

Average premium for full coverage: $1,230

Policy rates for type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all WRX models.

Price Range Variability

Urban vs. Rural Price Range

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

The example below illustrates how geographic area affects auto insurance rates.

The examples above highlight why everyone 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.

Additional Rate Analysis

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

• The best full coverage rate is $708
• Raising to $1,000 deductibles will save about $160 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,230
• Buying pricier low deductibles will cost $1,542
• At-risk drivers with multiple tickets or accidents could pay at least $2,658 or more
• Policy cost with full coverage for a teen driver for full coverage can be $4,602

View Chart as Image

Auto insurance rates for a Subaru WRX also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,500 to $2,000 in extra premium every year, depending on your age. Subaru WRX insurance for high-risk drivers is expensive and can cost as much as 43% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $480 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Subaru WRX insurance prices. A middle-age driver might find rates 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

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied between companies.

How to Buy the Right Subaru WRX Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates every year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a quick rundown of the coverage data presented in the illustrations above.

• You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Teenagers are expensive to insure, with premiums being up to $384 each month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,430 more every year for car insurance

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.