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 insurance rates for a Subaru WRX are $1,264 a year with full coverage. Comprehensive costs around $270 a year, collision insurance costs $474, and liability costs $384. Liability-only coverage costs as little as $432 a year, and high-risk coverage costs around $2,736. Teen drivers pay the most at up to $4,710 a year.

Average premium for full coverage: $1,264

Premium estimates for type of coverage:

Includes $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences demonstrate why it is important to compare rates for a specific zip code, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $724
• Drivers who choose higher $1,000 deductibles will pay about $1,096 annually
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,264
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,592
• Drivers with multiple violations and an at-fault accident could pay at least $2,736
• An auto insurance policy that insures a 16-year-old driver can be $4,710 a year

View Chart as Image

Insurance prices for a Subaru WRX also have a wide range based on the trim level of your WRX, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can cost from 45% to 132% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision 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, since even teens with perfect driving records can expect to pay as much as $4,700 a year. View Rates by Age

Where you choose to live makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay 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 save up to $500 annually, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 more per year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Subaru WRX Insurance

Finding better rates on insurance for a Subaru WRX not only requires being safe and accident-free, but also having above-average credit, being claim-free, and dropping full coverage on older vehicles. Shop around at every policy renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a recap of the data covered above.

• Insureds who may need more liability protection will pay about $420 every year to go from 30/60 bodily injury limits to the 250/500 level
• You may be able to save up to $150 per year just by quoting early and online
• Increasing policy deductibles can save approximately $500 each year
• Youthful drivers pay higher prices, possibly costing $393 per month if full coverage is included

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.