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.

Average insurance rates for a Subaru WRX are $1,264 a year with full coverage. Comprehensive costs on average $270 a year, collision costs $474, and liability costs around $384. Liability-only coverage costs as low as $432 a year, with high-risk coverage costing around $2,736. Teen drivers receive the highest rates at $4,710 a year or more.

Average premium for full coverage: $1,264

Rate estimates by individual coverage type:

Includes $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and WRX trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how your location can change car insurance rates.

These examples demonstrate why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $724
• Using higher $1,000 deductibles will save around $1,096 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,264
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,592
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,736 or more
• The cost for full coverage for a 16-year-old driver may cost $4,710 or more

View Chart as Image

Car insurance rates for a Subaru WRX can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may pay as low as $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $4,700 a year. View Rates by Age

Where you live has a huge impact on Subaru WRX insurance prices. A driver around age 40 might see rates as low as $910 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $500 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be from 45% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so rate quotes can be significantly different from one company to the next.

How to Find the Cheapest Subaru WRX Insurance

Saving money on insurance for a Subaru WRX requires being a good driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at least every other year by requesting rates from direct companies like GEICO and Progressive, and also from local insurance agents.

The following list is a recap of the car insurance concepts illustrated above.

• Drivers considered higher risk that have major violations or accidents may be required to pay an average of $1,470 more each year than a safer driver
• You may be able to save as much as $150 per year simply by quoting early and online
• Increasing deductibles can save around $500 each year
• Insureds who require an increased level of liability coverage will pay about $420 every year to increase from a minimum limit to 250/500 limits

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.