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 insurance rates for a Subaru WRX are $1,230 a year with full coverage. Comprehensive costs an estimated $260, collision costs $446, and liability is $388. Liability-only coverage costs around $434 a year, with high-risk coverage costing around $2,658. Teenage drivers pay the most at $4,602 a year or more.

Average premium for full coverage: $1,230

Premium estimates broken down by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all 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 car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences demonstrate why everyone should compare rates quotes for a targeted area and risk profile, instead of using average rates.

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

Rate Comparisons

The chart below details estimated Subaru WRX insurance rates for other coverage scenarios.

• The best discount rate is $708
• Raising to $1,000 deductibles will save approximately $160 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,230
• Using pricier low deductibles will increase the cost to $1,542
• At-risk drivers who are prone to accidents and violations could pay up to $2,658 or more
• An auto insurance policy for full coverage for a teen driver for full coverage can cost as much as $4,602

View Chart as Image

Insurance prices for a Subaru WRX also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

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 $890 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,660 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $480 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,500 to $2,000 extra annually, depending on your age. Subaru WRX insurance for high-risk drivers is expensive and can cost as much as 43% to 136% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different from one company to the next.

How to Find Cheaper Subaru WRX Insurance

Finding better rates on car insurance consists of avoiding accidents and violations, maintaining good credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a condensed summary of the data that was covered above.

• You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Policyholders who want higher liability limits will pay an extra $430 every year to raise from 30/60 bodily injury limits to 250/500 limits
• Teenagers are charged the highest prices, possibly costing $384 per month for full coverage
• Higher risk drivers with multiple at-fault accidents may pay on average $1,430 more annually 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.