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 insurance prices for a Subaru WRX are $1,264 every 12 months with full coverage. Comprehensive insurance costs on average $270, collision costs $474, and liability insurance is estimated at $384. Liability-only coverage costs approximately $432 a year, with high-risk coverage costing $2,736 or more. Teen drivers cost the most to insure at $4,710 a year or more.

Average premium for full coverage: $1,264

Policy rates by type of insurance:

These estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different WRX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas are shown to have more infrequent collision claims than larger metro areas.

The price range example below illustrates how location impacts car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $724
• Choosing higher $1,000 deductibles can save around $168 annually
• The average price for a good driver age 40 with $500 deductibles is $1,264
• Choosing more expensive low deductibles for comp and collision coverage costs an extra $328 a year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,736 or more
• Policy cost to insure a teen driver with full coverage may cost $4,710 each year

View Chart as Image

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

Choosing high deductibles can save as much as $500 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $345 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 132% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Subaru WRX insurance rates. A good driver about age 40 could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, and rates will be varied.

How to Shop for Cheap Subaru WRX Insurance

Finding cheaper rates on Subaru WRX insurance takes being a safe and courteous driver, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around every other policy renewal by requesting rates from direct companies, and also from local exclusive and independent agents.

Below is a brief summary of the ideas that were touched on above.

• Teenage drivers pay higher rates, as much as $393 each month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,470 more each year for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• You may be able to save as much as $150 per year simply by shopping 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.