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 $1,264 a year for full coverage. Comprehensive insurance costs around $270, collision insurance costs $474, and liability coverage costs $384. Liability-only insurance costs as little as $432 a year, and high-risk driver insurance costs $2,736 or more. Teens cost the most to insure at up to $4,710 a year.

Average premium for full coverage: $1,264

Policy rates for type of insurance:

Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all WRX models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence 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 location helps determine auto insurance rates.

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

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

Additional Rate Details

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

• The cheapest rate after discounts is $724
• Drivers who choose higher $1,000 deductibles will pay about $168 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,264
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $328 each year
• High-risk insureds with serious driving violations could pay at least $2,736
• Policy cost that insures a teenage driver for full coverage can be $4,710 a year

View Chart as Image

Auto 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 $2,100 in extra premium every year, depending on your age. Subaru WRX insurance for high-risk drivers can cost around 45% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $4,700 a year. View Rates by Age

Your home state makes a big difference in Subaru WRX insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $500 a 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 $345 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheaper Subaru WRX Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates every couple of years by requesting quotes from direct carriers, and also from several local insurance agents.

The items below are a condensed summary of the material that was covered in the charts and tables above.

• Consumers who may need more liability coverage will pay approximately $420 each year to go from a 30/60 limit to the 250/500 level
• Teen drivers are expensive to insure, costing up to $393 each month if the policy includes full coverage
• Drivers with multiple at-fault accidents pay on average $1,470 more every year to insure their WRX
• Increasing comprehensive and collision deductibles can save approximately $500 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.