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 prices for a Subaru WRX are $1,264 every 12 months with full coverage. Comprehensive insurance costs on average $270, collision costs $474, and liability insurance is estimated at $384. A liability-only policy costs approximately $432 a year, with high-risk insurance costing $2,736 or more. 16-year-old drivers pay the most at $4,710 a year or more.

Average premium for full coverage: $1,264

Premium estimates by type of coverage:

Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than congested cities.

The price range example below illustrates the effect of geographic area on car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $724
• Choosing higher $1,000 deductibles can save around $168 annually
• The average price for a 40-year-old good driver with $500 deductibles is $1,264
• Buying more expensive low deductibles for comp and collision coverage costs an extra $328 a year
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,736 or more
• An auto insurance policy to insure a teen driver with full coverage may cost $4,710 each year

View Chart as Image

Auto insurance prices for a Subaru WRX also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your WRX.

Opting for high physical damage deductibles can save as much as $500 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $345 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance ranges anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Subaru WRX insurance rates. A good driver about age 40 could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or at least $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out exactly what you will pay is to compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, and quoted prices will be substantially different.

How to Shop for Cheaper Subaru WRX Insurance

Finding better rates on Subaru WRX insurance takes having a good driving record, having a good credit score, being claim-free, and taking advantage of discounts. Take the time to compare rates at least once a year by getting quotes from direct companies, and also from local exclusive and independent agents.

The next list is a condensed summary of the primary concepts that were covered in the above illustrations.

• You may be able to save as much as $150 per year simply by shopping early and online
• High-risk drivers with multiple at-fault accidents may pay on average $1,470 more each year to buy Subaru WRX insurance
• Increasing policy deductibles could save as much as $500 each year
• Drivers age 20 and younger are charged the highest prices, possibly costing $393 per month if comprehensive and collision insurance is included

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.