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 auto insurance rates for a Subaru WRX are $1,230 annually including full coverage. Comprehensive costs approximately $260 each year, collision insurance costs $446, and liability costs $388. A liability-only policy costs as little as $434 a year, and high-risk insurance costs around $2,658. 16-year-old drivers pay the most at up to $4,602 a year.

Average premium for full coverage: $1,230

Premium estimates by type of coverage:

Full coverage includes $500 deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and WRX models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates how where you live affects auto insurance prices.

These rate differences highlight why all drivers should compare rates using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

More Rate Information

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

• The best full coverage rate is $708
• Drivers who choose higher $1,000 deductibles will pay $160 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,230
• Buying low deductibles for comprehensive and collision insurance will cost $1,542
• Drivers with multiple tickets or accidents could pay around $2,658
• An auto insurance policy with full coverage for a 16-year-old driver can cost $4,602 a year

View Chart as Image

Auto insurance prices for a Subaru WRX also have a wide range based on the model of your WRX, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers 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. Prices are highest for drivers in their teens, 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 violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,000 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost from 43% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $480 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,750 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy More Affordable Subaru WRX Insurance

Finding better rates on insurance for a Subaru WRX not only requires not taking risks behind the wheel, but also having above-average credit, refrain from filing small claims, and possibly higher deductibles. Take the time to comparison shop every year by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The following is a summary of the coverage data touched on in the above illustrations.

• You may be able to save around $150 per year just by quoting online in advance
• Increasing policy deductibles could save up to $475 each year
• Teens have the highest car insurance prices, with the cost nearing $384 per month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,430 more per year for WRX 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.