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 rates for a Subaru WRX are $1,264 a year for full coverage insurance. Comprehensive costs an estimated $270, collision costs $474, and liability costs $384. Liability-only insurance costs as little as $432 a year, with high-risk driver insurance costing around $2,736. Teen drivers pay the most at $4,710 a year or more.

Average premium for full coverage: $1,264

Premium estimates broken down by type of coverage:

Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas.

The price range example below illustrates how your location can change insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates for a targeted area, instead of making a decision based on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $724
• Drivers who choose higher $1,000 deductibles will pay approximately $168 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,264
• Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,592
• Drivers with multiple violations and an at-fault accident could pay up to $2,736 or more
• An auto insurance policy that insures a 16-year-old driver with full coverage can cost as much as $4,710 a year

View Chart as Image

Insurance prices for a Subaru WRX also have a wide range based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance can cost from 45% to 132% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,700 a year. View Rates by Age

Where you choose to live makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $500 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices from multiple companies. Every company uses a different rate calculation, and prices will be substantially different.

How to Find Cheaper Subaru WRX Insurance

Finding better rates on insurance for a Subaru WRX not only requires being a safe and courteous driver, but also having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around every other policy renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

Below is a condensed summary of the ideas that were illustrated above.

• Teenage drivers are expensive to insure, with premiums being up to $393 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,470 more annually for auto insurance
• Increasing policy deductibles can save approximately $500 each year
• It is possible to save approximately $150 per year simply by shopping early and online

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.