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.

Estimated auto insurance rates for a Subaru WRX are $1,264 annually with full coverage. Comprehensive costs on average $270 a year, collision costs $474, and liability costs $384. A liability-only policy costs as little as $432 a year, with high-risk insurance costing around $2,736. 16-year-old drivers pay the most at $4,710 a year or more.

Average premium for full coverage: $1,264

Premium estimates by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than congested cities.

The diagram below illustrates how geographic area affects car insurance rates.

These rate differences demonstrate why it is important to compare rates based on a specific location and their own personal driving habits, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $724
• Drivers who choose higher $1,000 deductibles will pay around $1,096 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,264
• Buying low $100 deductibles for comprehensive and collision insurance will cost $1,592
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,736 or more
• An auto insurance policy with full coverage for a teen driver may cost $4,710 a year

View Chart as Image

Auto insurance prices for a Subaru WRX also have a wide range based on the model of your WRX, your driving record, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $500 every year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $345 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or at least $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Every company utilizes a different rate formula, and quoted prices will be substantially different between companies.

How to Buy the Best Subaru WRX Insurance

Finding better rates on car insurance not only requires having a decent driving record, but also having above-average credit, being claim-free, and taking advantage of discounts. Invest the time to compare rates at every other renewal by quoting rates from direct companies, and also from local independent and exclusive agents.

The following items are a brief recap of the concepts that were presented in the illustrations above.

• Higher risk drivers who tend to receive serious violations pay an average of $1,470 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers are charged the highest prices, possibly costing $393 per month if full coverage is included
• You may be able to save as much as $150 per year simply by quoting early and online
• Increasing policy deductibles could save up to $500 each year
• You may be able to save as much as $150 per year simply by quoting early and online

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.