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 with full coverage. Comprehensive costs an estimated $260, collision insurance costs $446, and liability insurance is $388. Liability-only coverage costs around $434 a year, and high-risk coverage costs around $2,658. Teen drivers cost the most to insure at up to $4,602 a year.

Average premium for full coverage: $1,230

Policy rates broken down by type of insurance:

Prices include $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all WRX models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas. The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why everyone should compare rates quotes for a targeted area and risk profile, rather than relying on price averages.

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 other coverage scenarios.

• The lowest rate with discounts is $708
• Raising to $1,000 deductibles will save approximately $160 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,230
• Choosing pricier low deductibles will increase the cost to $1,542
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,658
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $4,602

View Chart as Image

Insurance rates for a Subaru WRX also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $4,600 a year. View Rates by Age

Your home state also has a big influence on Subaru WRX insurance rates. A middle-age driver might find rates as low as $890 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,660 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $480 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,000 additional every year, depending on your age. Subaru WRX insurance for high-risk drivers is expensive and can cost anywhere from 43% to 136% more than average. View High Risk Driver Rates

How to Find the Right Subaru WRX Insurance

Finding cheaper rates on Subaru WRX insurance consists of being a low-risk driver, having a good credit history, not filing small claims, and possibly raising deductibles. Set aside time to compare rates at every policy renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a quick rundown of the data covered above.

• Drivers who want more liability coverage will pay about $430 every year to raise from a 30/60 limit to 250/500 limits
• You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $475 each year
• Teen drivers are expensive to insure, as much as $384 each month including comprehensive and collision insurance

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.