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 auto insurance rates for a Subaru WRX are $1,264 annually including full coverage. Comprehensive insurance costs an estimated $270 a year, collision costs $474, and liability insurance is $384. Buying just liability costs around $432 a year, with insurance for high-risk drivers costing $2,736 or more. 16-year-old drivers cost the most to insure at $4,710 a year or more.

Average premium for full coverage: $1,264

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and WRX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than congested cities.

The diagram below illustrates how where you live affects insurance prices.

The examples above highlight why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Subaru WRX insurance rates for other coverage scenarios.

• The best full coverage rate is $724
• Raising to $1,000 deductibles will save approximately $1,096 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,264
• Buying low $100 deductibles costs an additional $328 a year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,736 or more
• Policy cost with full coverage for a teen driver can cost as much as $4,710

View Chart as Image

Insurance rates for a Subaru WRX also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $500 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $345 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Subaru WRX insurance rates. A middle-age driver might find rates 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

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the rates will be varied between companies.

How to Buy Cheap Subaru WRX Insurance

Finding cheaper rates on Subaru WRX insurance consists of being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to comparison shop at least every other year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a brief summary of the car insurance concepts touched on in the above illustrations.

• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,470 more annually than a low-risk driver
• You may be able to save approximately $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $500 each year
• Drivers who want more liability protection will pay around $420 per year to raise from a 30/60 limit to higher 250/500 limits

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.