Buy Cheap Subaru WRX Auto Insurance in 2024
Getting Subaru WRX insurance quotes will cost on average $113 per month ($1,360 per year). Shop around to find cheap Subaru WRX insurance rates. On average, Subaru WRX comprehensive insurance coverage costs $331, collision coverage costs $484, and liability coverage costs $384.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Jun 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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
Don’t let finding cheap Subaru WRX insurance rates stress you out. Good drivers can save as much as $561 a year by earning policy discounts. Read on to learn more about Subaru WRX insurance rates and how to save.
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 Nissan Maxima, Subaru Legacy, and Chevrolet Blazer.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Subaru WRX | $320 | $566 | $338 | $1,360 |
| Nissan Maxima | $372 | $630 | $390 | $1,550 |
| Subaru Legacy | $370 | $506 | $338 | $1,350 |
| Chevrolet Blazer | $376 | $688 | $316 | $1,516 |
| Volkswagen Passat | $332 | $600 | $390 | $1,480 |
| Lincoln MKZ | $320 | $686 | $450 | $1,636 |
| Nissan Altima | $306 | $570 | $390 | $1,424 |
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?
The Subaru WRX trim and model you choose can impact the total price you will pay for Subaru WRX insurance coverage.
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 effect on Subaru WRX car insurance rates. As an example, a 30-year-old driver pays around $60 more each year for their Subaru WRX car insurance than a 40-year-old driver.
Driver Location
Where you live can have a large impact on Subaru WRX insurance rates. For example, drivers in Los Angeles may pay $195 a year more than drivers in Houston.
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 with violations on their driving record.
Subaru WRX Safety Ratings
Your Subaru WRX car insurance rates are tied to 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
Good Subaru WRX crash test ratings can lower your Subaru WRX auto insurance rates. See Subaru WRX crash test results below:
| 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
Having a variety of safety features on your Subaru WRX can help lower your Subaru WRX insurance costs. 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 ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Subaru WRX, others are more favorable and lead to lower 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 | |
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 car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Subaru WRX Insurance
Although it may seem like your Subaru WRX car insurance rates are set, there are a few measures that you can take to secure the best Subaru WRX car insurance rates possible. Take a look at the following five ways to save on Subaru WRX auto insurance.
- Save Money on Young Driver Subaru WRX Insurance By Mentioning Grades or GPA
- Understand that Your Insurer Can Change Your Subaru WRX Auto Insurance Rates Mid-Term for Other Reasons
- Spy on Your Teen Driver
- Ask About a Student Away from Home Discount
- Move to the Countryside
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 | |||
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Frequently Asked Questions
Can I find cheap auto insurance specifically for the Subaru WRX?
Yes, it is possible to find affordable auto insurance specifically tailored for the Subaru WRX. Insurance companies consider various factors when determining insurance rates, including the make and model of the vehicle. While the Subaru WRX is a sporty and high-performance vehicle, there are still opportunities to find competitive insurance rates for this model.
What can I do to lower the cost of Subaru WRX auto insurance?
There are several steps you can take to potentially lower the cost of your Subaru WRX auto insurance:
- Maintain a good driving record: Having a clean driving record with no accidents or traffic violations can help lower your insurance premiums.
- Opt for higher deductibles: Choosing a higher deductible means you’ll have to pay more out of pocket in the event of a claim, but it can lower your monthly premiums.
- Install safety features: Adding safety features to your Subaru WRX, such as anti-theft devices, anti-lock brakes, or a car alarm, may result in discounts on your insurance.
- Bundle policies: If you have multiple insurance needs, consider bundling your auto insurance with other policies, such as homeowners or renters insurance, as this can often lead to discounts.
- Shop around: Compare quotes from multiple insurance companies to find the best rates available for your Subaru WRX.
Does the age of my Subaru WRX affect my insurance rates?
Yes, the age of your Subaru WRX can impact your insurance rates. Generally, newer vehicles may have higher insurance premiums due to their higher value and potentially higher repair costs. As the Subaru WRX ages, the insurance rates may decrease, as long as the car remains in good condition. Other factors, such as your location, driving history, and coverage preferences, also play a significant role in determining the insurance rates for your Subaru WRX.
Are there any specialized insurance companies that focus on Subaru WRX vehicles?
While there are insurance companies that specialize in certain vehicle brands or types, there aren’t any specific insurance companies exclusively dedicated to Subaru WRX vehicles. However, many insurance providers offer coverage options for Subaru WRX owners, and some may even offer specialized policies that cater to the needs of sports car owners.
Can modifications to my Subaru WRX affect my insurance rates?
Yes, modifications to your Subaru WRX can potentially affect your insurance rates. Adding aftermarket modifications or performance enhancements may increase the cost of insurance as it can raise the vehicle’s value, increase the likelihood of theft, or affect the safety and handling characteristics. It’s important to inform your insurance provider about any modifications made to your Subaru WRX to ensure you have adequate coverage and accurate insurance rates.
Can I get cheap Subaru WRX auto insurance if I’m a young or inexperienced driver?
Young or inexperienced drivers often face higher insurance premiums due to the increased risk associated with their lack of driving experience. However, there are ways to potentially reduce the cost of Subaru WRX auto insurance as a young or inexperienced driver. These include completing driver training courses, maintaining good grades if you’re a student, and considering being added to a parent or guardian’s insurance policy as an additional driver. Shopping around and comparing quotes from different insurance companies can also help find more affordable rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.