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

Car insurance rates for a Subaru WRX average $1,360 a year, or around $113 a month. Good drivers can save as much as $2,098 a year over higher risk drivers.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 19, 2020

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Key takeaways:

  • Full coverage costs around $1,360 a year or $113 each month
  • A liability-only policy costs around $545 a year or $45 each month
  • Highest rates are for teenage drivers at around $4,971 a year or $414 each month
  • 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

Subaru WRX insurance rates are about $159 less per year than the average vehicle with full coverage costing around $1,360 a year or $113 a month. Teen drivers will pay the most at around $4,971 a year or $414 a month as they’re considered high-risk with little driving experience. Let’s take a look at Subaru WRX insurance rates, safety ratings, and more.

You can start comparing quotes for Subaru WRX car insurance rates from some of the best car insurance companies by using our free online tool now.

Subaru WRX Insurance Cost

The average Subaru WRX car insurance rates are $1,360 a year or $113 a month.

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Are Subaru WRXs Expensive to Insure?

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

Vehicle Comprehensive Collision Liability Total
Subaru WRX $320 $566 $338 $1,360
Ford Focus $244 $536 $398 $1,336
Cadillac CTS $320 $626 $398 $1,502
Subaru Impreza $320 $542 $390 $1,410
Chevrolet Malibu $322 $532 $372 $1,384
Audi A3 $282 $566 $398 $1,404
Nissan Versa $268 $542 $390 $1,358

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

What Impacts the Cost of Subaru WRX Insurance?

Even though the average annual rate for the Subaru WRX is $1,360, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Subaru WRX.

Age of the Vehicle

Older Subaru WRX models generally cost less to insure. For example, auto insurance for a 2018 Subaru WRX costs $1,360, while 2015 Subaru WRX insurance costs are $1,306, a difference of $54.

Model Year Comprehensive Collision Liability Total
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

Driver Age

Driver age can have a significant impact on the cost of Subaru WRX auto insurance. For example, 20-year-old drivers pay approximately $1,663 each year for their Subaru WRX auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Subaru WRX insurance rates. For example, drivers in Los Angeles may pay $504 a year more than drivers in Philadelphia.

Your Driving Record

Your driving record can have an impact on the cost of Subaru WRX car insurance. Teens and drivers in their 20’s see the highest jump in their Subaru WRX auto insurance rates with violations on their driving record.

Subaru WRX Safety Ratings

Your Subaru WRX car insurance rates are influenced by the safety ratings of the Subaru WRX. See the breakdown below:

Test Type Rating
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
Source: Insurance Institute for Highway Safety

Subaru WRX Crash Test Ratings

Subaru WRX crash test ratings will affect your Subaru WRX car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Subaru WRX 4 DR AWD 5 stars 5 stars 5 stars 5 stars
2019 Subaru WRX 4 DR AWD N/R N/R N/R N/R
2018 Subaru WRX 4 DR AWD N/R N/R N/R N/R
2017 Subaru WRX 4 DR AWD N/R N/R N/R N/R
2016 Subaru WRX 4 DR AWD N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

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:

  • 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

Subaru WRX Insurance Loss Probability

The Subaru WRX’s insurance loss probability varies between different coverage types. The lower percentage means lower Subaru WRX auto insurance costs; higher percentages mean higher Subaru WRX auto insurance costs.

Insurance Coverage Category Loss Rate
Collision 41%
Property Damage -18%
Comprehensive 58%
Personal Injury -6%
Medical Payment -19%
Bodily Injury -16%
Source: Insurance Institute for Highway Safety

Subaru WRX Finance and Insurance Cost

If you are financing a Subaru WRX, most lenders will require your carry higher Subaru WRX coverage options including comprehensive coverage, so be sure to shop around and compare Subaru WRX auto insurance quotes from the best auto insurance companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Subaru WRX Insurance

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

  • Take a Refresher Course as an Older Driver
  • Consider Using a Tracking Device on Your Subaru WRX
  • Compare Subaru WRX Quotes for Free Online
  • Don’t Skimp On Subaru WRX Liability Coverage
  • Start Searching for New Subaru WRX Car Insurance a Month Before Your Renewal

Top Subaru WRX Insurance Companies

Several insurance companies offer competitive rates for the Subaru WRX based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Subaru WRX drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Subaru WRX Insurance Quotes Online

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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