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 prices for a Subaru WRX are $1,264 every 12 months for full coverage insurance. Comprehensive costs around $270 a year, collision insurance costs $474, and liability is estimated at $384. A policy with just liability insurance costs approximately $432 a year, and coverage for high-risk drivers costs around $2,736. Teens pay the highest rates at up to $4,710 a year.

Average premium for full coverage: $1,264

Price estimates for individual coverage:

Includes $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and WRX trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.

The ranges above illustrate why it is important to get quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $724
• Choosing higher $1,000 deductibles can save about $1,096 each year
• The average price for the average middle-age driver using $500 deductibles is $1,264
• Selecting low $100 deductibles for comp and collision coverage increases the price to $1,592
• Higher-risk drivers with serious driving violations could pay at least $2,736
• The price to insure a 16-year-old driver can be $4,710 each year

View Chart as Image

Insurance prices for a Subaru WRX are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $500 annually, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $345 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy ranges from 45% to 132% more than the average policy. View High Risk Driver Rates

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 $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

How to Shop for the Cheapest Subaru WRX Insurance

Getting lower rates on insurance for a Subaru WRX takes having a good driving record, having good credit, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates at least once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a recap of the primary concepts that were covered in the charts and tables above.

• It is possible to save up to $150 per year just by quoting early and online
• Drivers considered higher risk that have major violations or accidents may pay on average $1,470 more every year to buy Subaru WRX insurance
• Increasing physical damage deductibles could save as much as $500 each year
• Drivers age 20 and younger pay higher prices, as much as $393 a month if they have 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.