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 for full coverage insurance. Comprehensive costs around $270 a year, collision insurance costs $474, and liability insurance is $384. Liability-only coverage costs around $432 a year, and high-risk coverage costs around $2,736. 16-year-old drivers pay the most at up to $4,710 a year.

Average premium for full coverage: $1,264

Premium estimates for type of coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than congested cities. The diagram below illustrates how location helps determine auto insurance rates.

These rate differences illustrate why it is important to compare rates quotes for a specific zip code, rather than relying on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $724
• Raising to $1,000 deductibles will save about $1,096 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,264
• Buying low $100 deductibles bumps up the cost to $1,592
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,736
• An auto insurance policy that insures a teen driver can be $4,710

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 record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months 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 also has a big influence on Subaru WRX insurance rates. A middle-age driver might find prices as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $500 each year, while buying higher liability limits will increase prices. Switching 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 Best Cheap Subaru WRX Insurance

Finding better rates on Subaru WRX insurance consists of avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Comparison shop at every other renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a quick review of the concepts that were covered in the charts and tables above.

• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,470 more every year for car insurance
• Teenagers pay higher prices, with premiums being up to $393 per month if full coverage is included
• It is possible to save up to $150 per year just by quoting early and online
• Increasing policy deductibles can save approximately $500 each year
• It is possible to save up to $150 per year just by quoting early and online

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.