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 an estimated $260 each year, collision costs $446, and liability is $388. Buying just liability costs around $434 a year, with insurance for high-risk drivers costing around $2,658. Teen drivers cost the most to insure at $4,602 a year or more.

Average premium for full coverage: $1,230

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location impacts insurance prices.

The examples above highlight why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $708
• Raising to $1,000 deductibles will save approximately $160 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,230
• Choosing low deductibles will cost $1,542
• Drivers with multiple violations and an at-fault accident could pay up to $2,658 or more
• Policy cost with full coverage for a 16-year-old driver can cost as much as $4,602

View Chart as Image

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

More mature drivers with a clean driving record and high physical damage deductibles may pay as low 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 can expect to pay at least $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 $1,500 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $480 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 more per 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 Vermont, New Hampshire, and Missouri, or as much as $1,750 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, so the rates will be varied between companies.

How to Buy the Right Subaru WRX Insurance

Finding cheaper rates on insurance for a Subaru WRX consists of being a good driver, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Spend time shopping around every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a quick rundown of the information touched on above.

• You may be able to save approximately $150 per year simply by quoting online in advance
• Drivers age 16 to 20 are charged the highest rates, with premiums being up to $384 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,430 more annually than a safer driver
• Insureds who want an increased level of liability coverage will pay about $430 per year to raise from a 30/60 limit to higher 250/500 limits

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.