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

Average premium for full coverage: $1,230

Policy rates by type of insurance:

Rates are based on $500 deductible amounts, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and WRX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects car insurance rates.

The examples above highlight why it is important to compare rates quotes based on a specific location and risk profile, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $708
• Raising to $1,000 deductibles will save around $1,070 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,230
• Selecting low $100 deductibles will increase the cost to $1,542
• At-risk drivers with serious driving violations could pay upwards of $2,658 or more
• Policy cost for full coverage for a teen driver may cost $4,602

View Chart as Image

Auto insurance rates for a Subaru WRX also range considerably based on your risk profile, the model of your WRX, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

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 have to pay at least $1,750 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $480 every year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit

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

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted rates will be varied from one company to the next.

How to Find the Best Cheap Subaru WRX Insurance

Finding cheaper rates on car insurance consists of having a good driving record, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates every year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a quick review of the coverage data presented in the illustrations above.

• You may be able to save as much as $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $475 each year
• Drivers age 20 and younger are charged the highest rates, with premiums being up to $384 each month if they have full coverage
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,430 more each year to buy Subaru WRX 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.