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Key takeaways:
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.
Table of Contents
The average Subaru WRX auto insurance rates are $1,360 a year or $113 a month.
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 |
However, there are a few things you can do to find the cheapest Subaru insurance rates online.
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.
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 |
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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
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:
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 | |
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.
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.
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 | |||
To start comparing Subaru WRX car insurance quotes for free, use our online car insurance comparison tool.
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