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.

U.S. average insurance rates for a Subaru WRX are $1,264 a year including full coverage. Comprehensive insurance costs an estimated $270 each year, collision insurance costs $474, and liability is estimated at $384. Buying just liability costs approximately $432 a year, and insurance for high-risk drivers costs $2,736 or more. 16-year-old drivers pay the highest rates at up to $4,710 a year.

Average premium for full coverage: $1,264

Price estimates broken down by individual coverage:

Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and WRX models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates the effect of geographic area on insurance prices.

The ranges above highlight why all drivers should get quotes for a targeted area and risk profile, 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 other coverage scenarios.

• The best full coverage rate is $724
• Choosing higher $1,000 deductibles can save approximately $168 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,264
• Buying low deductibles for comp and collision coverage will cost an extra $328 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,736
• The price for full coverage for a 16-year-old driver can cost as much as $4,710 each year

View Chart as Image

Insurance prices for a Subaru WRX are also quite variable based on your driving record, the model of your WRX, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $4,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Subaru WRX insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $500 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $345 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers ranges from 45% to 132% more than the average rate. View High Risk Driver Rates

How to Find Affordable Subaru WRX Insurance

Getting lower rates on insurance for a Subaru WRX takes having a good driving record, having a good credit history, being claim-free, and possibly raising deductibles. Take the time to compare rates every other policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The next list is a brief review of the ideas that were covered in the above illustrations.

• Drivers age 20 and younger are expensive to insure, possibly costing $393 a month including comprehensive and collision insurance
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,470 more annually to buy Subaru WRX insurance
• Increasing physical damage deductibles can save around $500 each year
• You may be able to save approximately $150 per year just by quoting online in advance

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.