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 for full coverage insurance. Comprehensive insurance costs approximately $260, collision insurance costs $446, and liability costs $388. Liability-only insurance costs as little as $434 a year, and high-risk driver insurance costs $2,658 or more. Teen drivers cost the most to insure at up to $4,602 a year.

Average premium for full coverage: $1,230

Policy rates by type of insurance:

Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different WRX trim levels.

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 larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates using their specific location 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.

More Rate Information

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

• The lowest rate with discounts is $708
• Drivers who choose higher $1,000 deductibles will pay $160 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,230
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $312 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,658
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost $4,602 a year

View Chart as Image

Auto 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.

An older driver with a good driving record 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 highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $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 probably paying anywhere from $1,500 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance can cost from 43% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $480 annually, while increasing your policy's 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 $349 extra every 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 $800 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,660 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy the Best Subaru WRX Insurance

Finding cheaper rates on insurance for a Subaru WRX not only requires having a good driving record, but also having above-average credit, being claim-free, and possibly higher deductibles. Set aside time to shop around at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a brief recap of the data raised in the charts and tables above.

• Insureds who purchase increased levels of liability coverage will pay about $430 annually to go from a 30/60 limit to higher 250/500 limits
• It is possible to save around $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Drivers age 20 and younger have the highest car insurance rates, possibly costing $384 each month if full coverage 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.