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 $1,230 annually for full coverage insurance. Comprehensive costs on average $260 a year, collision insurance costs $446, and liability coverage costs around $388. A policy with only liability insurance costs as low as $434 a year, and a high-risk policy costs around $2,658. Teen drivers pay the most at up to $4,602 a year.

Average premium for full coverage: $1,230

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and WRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than larger metro areas. The diagram below illustrates how your location can change car insurance rates.

These rate differences illustrate why it is important to compare prices based on a specific location and their own personal driving habits, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $708
• Using higher $1,000 deductibles will save around $1,070 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,230
• Choosing low $100 deductibles for physical damage coverage will cost $1,542
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,658
• An auto insurance policy with full coverage for a teenage driver may cost $4,602 or more

View Chart as Image

Car insurance prices for a Subaru WRX also have a wide range based on the model of your WRX, your risk profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can be around 43% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $480 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Subaru WRX insurance rates. A driver around age 40 might see prices as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,660 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy Cheap Subaru WRX Insurance

Finding better rates on auto insurance requires avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to shop around at least every other year by requesting rates from direct insurance companies, and also from local exclusive and independent agents.

The points below are a brief summary of the car insurance concepts illustrated above.

• Drivers that tend to have accidents or serious violations may pay on average $1,430 more each year to insure a Subaru WRX
• It is possible to save as much as $150 per year just by quoting early and online
• Increasing policy deductibles could save up to $475 each year
• Consumers who require increased liability limits will pay about $430 annually to increase from 30/60 bodily injury limits 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.