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 $1,306 a year for full coverage insurance. Comprehensive insurance costs approximately $282 each year, collision insurance costs $512, and liability coverage is estimated at $376. Liability-only coverage costs approximately $426 a year, and high-risk coverage costs $2,826 or more. Teenage drivers pay the highest rates at up to $4,836 a year.

Average premium for full coverage: $1,306

Price estimates by individual coverage:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and WRX models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance prices.

The ranges above illustrate why all drivers should get quotes using their specific location and risk profile, rather than using average rates.

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

Additional Rate Information

The chart below illustrates average Subaru WRX insurance rates for additional coverage and risk scenarios.

• The best discount rate is $745
• Choosing higher $1,000 deductibles can save $182 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,306
• Using low deductibles for comp and collision coverage will cost an extra $348 each year
• Drivers who are prone to accidents and violations could pay around $2,826
• The price for full coverage for a teenage driver can cost $4,836 each year

View Chart as Image

Auto insurance prices for a Subaru WRX are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $4,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Subaru WRX insurance rates. A good driver about age 40 could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,760 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $530 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $339 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges around 43% to 128% more than a normal policy. View High Risk Driver Rates

How to Find Low Cost Subaru WRX Insurance

Getting lower rates on auto insurance takes being a safe and courteous driver, having good credit, not filing small claims, and possibly higher deductibles. Take the time to comparison shop every couple of years by requesting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a review of the material that was touched on in the above illustrations.

• Consumers who purchase higher levels of liability will pay an extra $410 annually to raise limits from a low limit to 250/500 limits
• Teenage drivers have the highest car insurance prices, as much as $403 a month if they have full coverage
• Drivers who have several accidents or serious violations may pay on average $1,520 more per year for auto insurance
• Increasing physical damage deductibles can save around $525 each year

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.