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.

Average auto insurance rates for a Subaru WRX are $1,230 annually for full coverage. Comprehensive costs around $260, collision costs $446, and liability is $388. Liability-only coverage costs around $434 a year, with high-risk coverage costing around $2,658. Teen drivers receive the highest rates at $4,602 a year or more.

Average premium for full coverage: $1,230

Rate estimates for individual coverage type:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all WRX models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population tend to have fewer accident claims than larger metro areas.

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

These examples show why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $708
• Raising to $1,000 deductibles will save about $160 a year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,230
• Choosing pricier low deductibles will cost $1,542
• At-risk drivers with multiple violations and an at-fault accident could pay at least $2,658 or more
• The cost with full coverage for a teen driver for full coverage can be $4,602

View Chart as Image

Car insurance rates for a Subaru WRX can also vary considerably based on the trim level of your WRX, your driver profile, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,500 to $2,000 extra per 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 average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $480 every year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Subaru WRX insurance prices. A middle-age driver might find rates as low as $810 a year in states like Idaho, Maine, and Iowa, or as much as $1,750 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know your exact price is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly different between companies.

How to Buy the Right Subaru WRX Insurance

Saving money on car insurance consists of avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Invest time comparing rates every couple of years by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a quick rundown of the material that was covered in the charts and tables above.

• Policyholders who may need higher liability limits will pay about $430 each year to raise from a minimum limit to higher 250/500 limits
• Teenagers are the costliest to insure, costing as high as $384 per month if comprehensive and collision insurance is included
• Higher risk drivers with reckless driving or DUI convictions pay an average of $1,430 more every year for car insurance
• Increasing deductibles could save up to $475 each year

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.