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 for full coverage. Comprehensive costs around $260, collision costs $446, and liability insurance costs around $388. A liability-only policy costs as low as $434 a year, with high-risk 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 for type of insurance:

Prices are based on $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all WRX models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance rates.

The examples above show why everyone should compare prices for a specific zip code, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $708
• Using higher $1,000 deductibles will save about $160 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,230
• Selecting pricier low deductibles for physical damage coverage bumps up the cost to $1,542
• Drivers with serious driving violations could pay at least $2,658 or more
• Policy cost that insures a teen driver for full coverage can be $4,602 or more

View Chart as Image

Car insurance rates for a Subaru WRX also range considerably based on the model of your WRX, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,000 extra every year, depending on your age. Subaru WRX insurance for high-risk drivers can be anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age

Your home state has a huge impact on Subaru WRX insurance rates. A driver around age 40 might see rates as low as $810 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,750 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $480 each year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to regularly compare rates from as many companies as possible. Each insurance company calculates rates differently, so rate quotes will be varied.

How to Find Affordable Subaru WRX Insurance

Finding cheaper rates on Subaru WRX insurance requires not taking risks behind the wheel, having a positive credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare rates at least every other year by getting rate quotes from direct carriers, and also from several local insurance agents.

The following is a brief review of the car insurance concepts touched on in the above illustrations.

• High-risk drivers with DUI or reckless driving convictions pay on average $1,430 more every year for WRX insurance
• Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Drivers who may need higher liability limits will pay approximately $430 each year to increase from a 30/60 limit to the 250/500 level

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.