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 $1,264 annually for full coverage insurance. Comprehensive costs approximately $270 each year, collision costs $474, and liability costs $384. Liability-only coverage costs as little as $432 a year, with high-risk coverage costing around $2,736. Teenage drivers cost the most to insure at $4,710 a year or more.

Average premium for full coverage: $1,264

Policy rates by type of insurance:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and WRX models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance prices.

The examples above illustrate why all drivers should compare rates using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below illustrates estimated Subaru WRX insurance rates for additional coverage and risk scenarios.

• The best discount rate is $724
• Drivers who choose higher $1,000 deductibles will pay $168 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,264
• Using low deductibles for comprehensive and collision insurance will cost $1,592
• Drivers who are prone to accidents and violations could pay around $2,736 or more
• Policy cost with full coverage for a 16-year-old driver can cost $4,710 a year

View Chart as Image

Insurance rates for a Subaru WRX also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can cost from 45% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $500 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $345 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, and rates will be varied between companies.

How to Buy the Cheapest Subaru WRX Insurance

Finding cheaper rates on insurance for a Subaru WRX not only requires being safe and accident-free, but also having good credit, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a recap of the ideas that were touched on in the above illustrations.

• Youthful drivers are the costliest to insure, possibly costing $393 each month if they have full coverage
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,470 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $500 each year
• It is possible to save around $150 per year simply by quoting online in advance

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.