Subaru WRX Insurance Rates [How to Find Low Rates Online]

Subaru WRX insurance rates average at $113 per month or $1,360 annually for full coverage. With high safety and crash test ratings, the Subaru WRX insurance costs are relatively low for vehicles in the same car class. In fact, the Subaru WRC insurance costs are $159 lower than average annually. Compare average Subaru WRX insurance quotes to find the best coverage for you.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Feb 5, 2021

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The Highlights

  • The average Subaru WRX insurance rates for full coverage costs around $113 per month or $1,360 a year.
  • A liability-only policy on the Subaru WRX costs around $45 per month or $545 annually. 
  • The highest car insurance rates on the Subaru WRX are for teenage drivers at around $414 per month or $4,971 a year. But good drivers can save as much as $561 a year by earning policy discounts.
  • Subaru WRX insurance costs around $159 less per year than the average vehicle.

How much does Subaru WRX insurance cost the average driver? The average Subaru WRX insurance rates are about $113 per month or $1,360 annually for full coverage. That’s $159 less per year than the average vehicle.

However, many factors influence your Subaru WRX insurance quotes, like your age, driving record, and where you live. For example, teens and other high-risk drivers will pay the most at around $414 per month or $4,971 per year as they’re more likely to file insurance claims. 

Read through our Subaru WRX insurance guide to learn how to compare car insurance rates for your Subaru and secure your cheapest rates. Let’s take a look at Subaru WRX insurance rates, safety ratings, and more.

You can start comparing affordable Subaru WRX car insurance rates from some of the best car insurance companies by entering your ZIP code into our free tool above.

What is the average cost of Subaru WRX car insurance?

The average Subaru WRX car insurance rates are $131 per month or $1,360 a year for full coverage.

However, many different factors go into your personal car insurance premiums. Some are based on your vehicle, like the age of the Subaru WRX model you drive.

But other demographics include your personal driving record, your age, and even where you live.

In the following graph, you can see more details about the Subaru WRX insurance rates.

Your insurance rates will vary depending on how many discounts you qualify for, if you are a low or high-risk driver, and what coverage level you purchase.

Keep reading to learn everything there is to know before you buy Subaru WRX car insurance.

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Are Subaru WRXs expensive to insure?

We’ve discussed the average cost to insure a Subaru WRX, but how do those numbers compare to other vehicles in the same car class?

The table below details how the Subaru WRX insurance rates compare to other sedans like the Ford Focus, Cadillac CTS, and Subaru Impreza.

Subaru WRX Average Annual Car Insurance Rates by Coverage Level Compared to Similar Vehicles
Vehicle Make and ModelComprehensiveCollisionLiabilityTotal
Ford Focus$244$536$398$1,336
Nissan Versa$268$542$390$1,358
Subaru WRX$320$566$338$1,360
Chevrolet Malibu$322$532$372$1,384
Audi A3$282$566$398$1,404
Subaru Impreza$320$542$390$1,410
Cadillac CTS$320$626$398$1,502
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As you can see, the Nissan Versa and the Ford Focus both cost less on average to insure with full coverage. But otherwise, the Subaru WRX proves to be one of the more affordable options.

Luckily, there are a few things you can do to find the cheapest Subaru insurance rates possible.

Compare quotes online from multiple different companies and seek out as many discounts as you can for the best possible rates.

What impacts the cost of Subaru WRX insurance?

Even though the average annual rate for the Subaru WRX is $1,360 annually, your policy might actually be higher or lower depending upon your profile.

The factors that insurance companies will look into when calculating your rates include your age, home address, driving history, and even the model year of your Subaru WRX.

In the next few sections, we’ll explore all of these demographics in more detail to see exactly how it impacts your Subaru WRX insurance rates.

Does model year impact your Subaru WRX car insurance rates?

Older Subaru WRX models generally cost less to insure than newer models. This is because older vehicles are usually cheaper to replace and repair.

Find your Subaru WRX model year in the table below and see how the average annual car insurance rates compare to newer and older models.

Subaru WRX Average Annual Car Insurance Rates by Model Year
Subaru WRX Model YearComprehensiveCollisionLiabilityTotal
2018 Subaru WRX$320$566$338$1,360
2017 Subaru WRX$308$552$354$1,350
2016 Subaru WRX$298$530$364$1,328
2015 Subaru WRX$282$512$376$1,306
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As you can see from the data, older models are cheaper to insure, but not by much.

For example, car insurance for a newer 2018 Subaru WRX costs $1,360, while the older 2015 Subaru WRX insurance costs are $1,306, a difference of only $54 annually.

If you’re really trying to save money, purchasing an older Subaru WRX is the way to go. But know that you’ll only be saving a small amount on your overall car insurance premiums by doing so.

Does driver age impact your Subaru WRX car insurance rates?

Driver age can have a significant impact on the cost of your Subaru WRX car insurance.

For example, 20-year-old drivers pay approximately $1,663 more each year for their Subaru WRX car insurance when compared to 30-year-old drivers.

See what we mean by looking at the following graph.

Drivers under the age of 25 are considered to be at higher risk to insure. This is not only because young drivers lack experience on the roads.

Teens and young drivers also statistically cause more accidents and drive more recklessly than their older driver counterparts.

Therefore, the best car insurance for teens is often not the same company as for an older driver.

Does your ZIP code impact your Subaru WRX car insurance rates?

Where you live can have a large impact on your Subaru WRX insurance rates.

For example, drivers in Los Angeles may pay $504 a year more for car insurance than drivers in Philadelphia.

Check out the graph below to compare the average annual Subaru WRX car insurance rates in major cities across the country.

Insurance companies will look at population density and vehicle theft statistics for the region where you live.

If you live in a city with dense populations and higher auto theft rates, expect your insurance costs to be higher than if you lived somewhere rural with fewer cars on the roads.

Does your driving record impact your Subaru WRX car insurance rates?

Your driving record can have an impact on the cost of your Subaru WRX car insurance.

Just one single traffic violation can cause your insurance rates to double, even if you only get caught speeding.

See more details about how your driving record impacts your Subaru WRX insurance costs in the graph below.

According to the data, teens and drivers in their 20s see the highest jump in their Subaru WRX car insurance rates with violations on their driving record.

Bad driving record car insurance rates can be three or four times higher than what folks with a clean record pay.

To keep your rates low and yourself and others on the road out of harm’s way, always practice safe driving techniques.

What are the Subaru WRX safety ratings?

Your Subaru WRX car insurance rates are influenced by the safety ratings of the Subaru WRX.

In the table below, take a look at the 2020 Subaru WRX safety ratings as determined by the Insurance Institute for Highway Safety (IIHS).

2020 Subaru WRX Safety Ratings
Safety Test TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
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‘Good’ is the highest possible score awarded by the IIHS. As you can see, the Subaru WRX performed almost perfectly in safety tests.

In fact, this vehicle was named as one of the IIHS 2020 top safety picks. The award is applicable to model years 2015 and newer.

Your insurance rates will already positively reflect these outstanding safety ratings.

What are the Subaru WRX crash test ratings?

Like safety ratings, insurance providers will also consider the crash test results of your vehicle when calculating your rates.

In other words, the Subaru WRX crash test ratings will affect your Subaru WRX car insurance rates.

In the following table, check out the Subaru WRX crash test ratings for various model years are rated by the National Highway Traffic Safety Administration (NHTSA).

Subaru WRX Crash Test Ratings by Model Year and Trim Level
Subaru WRX Model Year TestedOverallFrontalSideRollover
2020 Subaru WRX 4 DR AWD5 stars5 stars5 stars5 stars
2019 Subaru WRX 4 DR AWDN/RN/RN/RN/R
2018 Subaru WRX 4 DR AWDN/RN/RN/RN/R
2017 Subaru WRX 4 DR AWDN/RN/RN/RN/R
2016 Subaru WRX 4 DR AWDN/RN/RN/RN/R
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A 5-star score is the best rating given by the NHTSA. Only one model year of the Subaru WRX has been tested by the NHTSA, but it received perfect marks.

With such reliable safety and crash test ratings, your insurance rates for the Subaru WRX will stay on the affordable side.

What are the Subaru WRX safety features?

Good Subaru WRX safety features can result in insurers giving you car insurance discounts.

The safety features for the 2020 Subaru WRX are as follows:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Inform your insurance provider about any and all safety features and anti-theft devices installed on your Subaru WRX.

You may qualify for a handful of different stackable discounts, leading to even cheaper car insurance rates.

What is the Subaru WRX insurance loss probability?

Looking at the Subaru WRX insurance loss probability details will help you predict how much certain levels of car insurance coverage might cost you.

A lower percentage means lower Subaru WRX car insurance costs. However, higher percentages mean higher Subaru WRX car insurance costs.

Check out the Subaru WRX insurance loss probability details in the table below.

Subaru WRX Insurance Loss Probability by Coverage Category
Insurance Coverage CategoryLoss Rate
Collision41%
Property Damage-18%
Comprehensive58%
Personal Injury-6%
Medical Payment-19%
Bodily Injury-16%
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As you can see, the Subaru WRX’s insurance loss probability varies between different coverage types. While liability categories are better than average, the same cannot be said for comprehensive and collision coverage.

The Subaru WRX performed worse than average in both of those categories. If you require full coverage car insurance on your Subaru WRX, expect those rates to be higher than average.

What are the Subaru WRX finance and insurance costs?

Car insurance requirements vary by state, but usually, only a specific level of liability coverage is required.

However, if you are financing a Subaru WRX, most lenders will require you to carry higher Subaru WRX coverage options. This often includes comprehensive and collision coverage.

The average cost of full coverage car insurance for the Subaru WRX is $131 per month or $1,360 annually.

For lower rates, be sure to shop around and compare Subaru WRX quotes from different car insurance companies near you.

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How can I save on my Subaru WRX car insurance rates?

Drivers can end up saving more money on their Subaru WRX car insurance rates by employing any one of the following strategies.

First, consider taking a driver’s education course to qualify for a safe driver discount.

If you drive fewer miles than average, it’s possible you can receive a low-mileage discount. You might also choose to use a tracking device or app to help you receive lower monthly rates.

Finally, compare Subaru WRX car insurance quotes from multiple different companies and find the one that best meets your needs.

We recommend you start searching for your new Subaru WRX insurance coverage a month before your policy is up for renewal to avoid any cancellation fees.

What are the top Subaru WRX insurance companies?

Several insurance companies offer competitive rates for the Subaru WRX. But ultimately, the best car insurance company will provide you with cheap rates without sacrificing your coverage needs.

Take a look at the top car insurance companies that are popular with Subaru WRX drivers organized by market share.

Subaru WRX Car Insurance Companies by Market Share
RankCompanyVolumeMarket Share
1State Farm$65,615,1909.30%
2GEICO$46,106,9716.60%
3Progressive$39,222,8795.60%
4Liberty Mutual$35,600,0515.10%
5Allstate$35,025,9035.00%
6Travelers$28,016,9664.00%
7USAA$23,483,0803.30%
8Chubb$23,388,3853.30%
9Farmers$20,643,5592.90%
10Nationwide$18,442,1452.60%
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Any of these companies will be able to reliably pay out a claim for your Subaru WRX even in the event of an economic downturn.

See more details about the leading Subaru WRX car insurance companies by market share in the graph below.

As you can see, you have a lot of options when it comes to purchasing car insurance for your Subaru WRX. But you are now equipped with all of the information needed to find your cheapest rates.

Save on your Subaru WRX car insurance rates by taking advantage of comparison shopping.

Enter your ZIP code into our free quote tool below to immediately recieve Subaru WRX insurance quotes from the besty companies near you.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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