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.

Average insurance rates for a Subaru WRX are $1,230 a year with full coverage. Comprehensive insurance costs an estimated $260 each year, collision costs $446, and liability costs $388. A policy with just liability insurance costs as little as $434 a year, with coverage for high-risk drivers costing $2,658 or more. Teens receive the highest rates at $4,602 a year or more.

Average premium for full coverage: $1,230

Rate estimates broken down by individual coverage type:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and WRX models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations tend to have lower incidents of collision claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects insurance prices.

These examples demonstrate why all drivers should compare rates for a targeted area, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $708
• Drivers who choose higher $1,000 deductibles will pay approximately $160 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,230
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $312 annually
• Drivers with serious driving violations could pay up to $2,658 or more
• The cost that insures a 16-year-old driver can cost as much as $4,602 a year

View Chart as Image

Insurance rates for a Subaru WRX can also vary considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,500 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 136% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

Where you live makes a big difference in Subaru WRX insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,660 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $480 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison from multiple companies. Every company calculates rates differently, and rates can be significantly different.

How to Find the Best Subaru WRX Insurance

Saving money on insurance for a Subaru WRX not only requires not taking risks behind the wheel, but also having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Compare rates at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a brief recap of the data presented in the illustrations above.

• Insureds who want higher liability limits will pay approximately $430 every year to go from a minimum limit to the 250/500 level
• You may be able to save approximately $150 per year simply by quoting online in advance
• Increasing deductibles can save approximately $475 each year
• Teens are expensive to insure, with premiums as much as $384 per 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.