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 for full coverage insurance. Comprehensive costs around $270, collision costs $474, and liability coverage costs $384. Buying just liability costs as little as $432 a year, with insurance for high-risk drivers costing around $2,736. Teens receive the highest rates at $4,710 a year or more.

Average premium for full coverage: $1,264

Rate estimates for individual coverage type:

Prices are based on $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all WRX models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance rates.

These examples illustrate 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 Charts and Tables

The chart below illustrates estimated 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 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,264
• Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,592
• High-risk insureds with serious driving violations could pay at least $2,736 or more
• The 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 can also vary considerably based on the model of your WRX, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,500 to $2,100 in extra premium per 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 for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $4,700 a year. View Rates by Age

Where you live 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 Vermont, Wisconsin, and North Carolina, or have to pay at least $1,710 on average in Michigan, New York, and Florida.

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. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $345 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out your exact price is to regularly compare rates and see how they stack up. Every company calculates rates differently, and quoted rates can be significantly different.

How to Find Affordable Subaru WRX Insurance

Saving money on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates at least once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a brief review of the primary concepts that were covered in the charts and tables above.

• It is possible to save up to $150 per year simply by quoting online well ahead of the renewal date
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,470 more every year for auto insurance
• Increasing deductibles can save approximately $500 each year
• Teenage drivers are expensive to insure, costing up to $393 per month if the policy includes full coverage

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.