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 $1,230 a year with full coverage. Comprehensive insurance costs on average $260 each year, collision insurance costs $446, and liability insurance is $388. Liability-only insurance costs around $434 a year, and high-risk driver insurance costs $2,658 or more. Teen drivers pay the highest rates at up to $4,602 a year.

Average premium for full coverage: $1,230

Price estimates by individual coverage:

Prices include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and WRX models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas have lower incidents of collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above demonstrate why all drivers should compare rates quotes based on a specific location, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below details average Subaru WRX insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $708
• Raising to $1,000 deductibles will save around $160 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,230
• Choosing low deductibles will cost an additional $312 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,658
• The price that insures a teen driver may cost $4,602

View Chart as Image

Car insurance prices for a Subaru WRX are also quite variable based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 136% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,600 a year. View Rates by Age

The state you live in also has a big influence on Subaru WRX insurance rates. A middle-age driver might find prices as low as $890 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,660 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can reduce prices by up to $480 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Right Subaru WRX Insurance

Getting lower rates on Subaru WRX insurance consists of being a low-risk driver, having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around every year by getting quotes from direct companies, and also from several local insurance agents.

The items below are a quick rundown of the coverage data covered in the above illustrations.

• You may be able to save as much as $150 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $475 each year
• Teen drivers are expensive to insure, costing up to $384 a month if full coverage is purchased
• High-risk drivers with reckless driving or DUI convictions pay on average $1,430 more each year to insure their WRX

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.