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.

U.S. average insurance rates for a Subaru WRX are $1,230 a year with full coverage. Comprehensive costs on average $260 a year, collision insurance costs $446, and liability insurance costs $388. Buying just liability costs as little as $434 a year, and insurance for high-risk drivers costs around $2,658. Teenage drivers pay the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Price estimates by individual coverage:

Estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and WRX trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on auto insurance rates. Rural areas have lower incidents of collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above demonstrate why it is important to compare rates based on a specific location, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $708
• Drivers who choose higher $1,000 deductibles will pay around $1,070 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,230
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,542
• High risk drivers who are prone to accidents and violations could pay upwards of $2,658
• The price that insures a teen driver may cost $4,602 a year

View Chart as Image

Insurance prices for a Subaru WRX are also quite variable based on the trim level of your WRX, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,600 a year. View Rates by Age

The state you live in makes a big difference in Subaru WRX insurance rates. A 40-year-old driver could pay as low as $890 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,660 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $480 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit

How to Find Low Cost Subaru WRX Insurance

Getting lower rates on Subaru WRX insurance not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare prices every couple of years by getting rate quotes from direct companies, and also from several local insurance agents.

The following list is a review of the material that was covered above.

• Drivers who require an increased level of liability coverage will pay an extra $430 every year to go from a low limit to the 250/500 level
• Drivers age 16 to 20 pay higher prices, costing up to $384 a month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations pay on average $1,430 more each year than a safer driver
• Increasing physical damage deductibles can save approximately $475 each year

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.