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.

The average insurance rates for a Subaru WRX are $1,306 a year for full coverage. Comprehensive costs on average $282, collision insurance costs $512, and liability costs around $376. Liability-only coverage costs as low as $426 a year, and high-risk coverage costs around $2,826. Teen drivers cost the most to insure at up to $4,836 a year.

Average premium for full coverage: $1,306

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different WRX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas. The price range example below illustrates how geographic area affects car insurance rates.

The examples above show why anyone shopping for car insurance should compare prices based on a specific location, instead of making a decision based on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $745
• Using higher $1,000 deductibles will save around $182 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,306
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,654
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,826
• Policy cost that insures a 16-year-old driver with full coverage may cost $4,836 or more

View Chart as Image

Insurance rates for a Subaru WRX also range considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can be from 43% to 128% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,800 a year. View Rates by Age

Your home state has a huge impact on Subaru WRX insurance prices. A driver around age 40 might see rates as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,860 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $530 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $339 more each year. View Rates by Deductible or Liability Limit

How to Find Cheaper Subaru WRX Insurance

Finding cheaper rates on insurance for a Subaru WRX requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Shop around at every policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below you'll find a condensed summary of the data presented in the illustrations above.

• Insureds who require more liability protection will pay about $410 each year to increase from a 30/60 limit to the 250/500 level
• Drivers can save as much as $160 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Youthful drivers pay higher rates, costing up to $403 each month if comprehensive and collision insurance is included

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.