How Much are Subaru WRX Insurance Rates?

Average Subaru WRX auto insurance rates cost $113 per month ($1,360 per year). On average, Subaru WRX comprehensive insurance coverage costs $331, collision coverage costs $484, and liability coverage costs $384.

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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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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 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. Good drivers can save up to $561 a year in policy discounts by practicing safe driving habits. 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 auto 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 Buick Regal, Audi S4, and Ford Fusion.

Vehicle Comprehensive Collision Liability Total
Subaru WRX $320 $566 $338 $1,360
Buick Regal $306 $536 $398 $1,398
Audi S4 $370 $744 $338 $1,588
Ford Fusion $336 $626 $372 $1,492
Toyota Corolla $294 $542 $390 $1,384
Nissan Altima $306 $570 $390 $1,424
Nissan Maxima $372 $630 $390 $1,550
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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?

You might have noticed that there is a multitude of factors that impact Subaru WRX car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Subaru WRX.

Age of the Vehicle

The average Subaru WRX auto insurance rates are higher for newer models. 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
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Driver Age

Driver age can have a significant impact on the cost of Subaru WRX auto insurance. For example, 20-year-old drivers pay as much as $1,723 more each year for their Subaru WRX auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Subaru WRX insurance rates. For example, drivers in Houston may pay $1,002 a year more than drivers in Columbus.

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 car insurance rates with violations on their driving record.

Subaru WRX Safety Ratings

Your Subaru WRX auto insurance rates are tied to the Subaru WRX’s safety ratings. 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
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Subaru WRX Crash Test Ratings

Good Subaru WRX crash test ratings mean the VW is safer, which could mean cheaper 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
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Subaru WRX Safety Features

The more safety features you have on your Subaru WRX, the more likely it is that you can earn a discount. The Subaru WRX’s safety features include:

  • 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 for each form of coverage. The lower percentage means lower Subaru WRX auto insurance rates; higher percentages mean higher Subaru WRX car insurance rates.

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
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Subaru WRX Finance and Insurance Cost

If you are financing a Subaru WRX, you will pay more if you purchase Subaru WRX auto insurance at the dealership, so be sure to shop around and compare Subaru WRX auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Subaru WRX Insurance

There are many ways that you can save on Subaru WRX car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Subaru WRX car insurance rates low.

  • Buy Your Subaru WRX with Cash, or Get a Shorter-Term Loan
  • Park Your Subaru WRX Somewhere Safe – like a Garage or Private Driveway
  • Consider Subaru WRX Insurance Costs Before Buying a Subaru WRX
  • Consider Renting a Car Instead of Buying a Second Subaru WRX
  • Ask for a New Subaru WRX Auto Insurance Rate Based on Your Improved Credit Score

Top Subaru WRX Insurance Companies

Who is the best company for Subaru WRX insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Subaru WRX insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Subaru WRX offers.

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
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Compare Free Subaru WRX Insurance Quotes Online

To start comparing Subaru WRX car insurance quotes for free, use our online car insurance comparison tool.

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

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