Are Subaru WRXs Expensive to Insure? [Rates + Comparison Guide]

Getting Subaru WRX insurance quotes will cost on average $113 per month ($1,360 per year). Good drivers can save as much as $2,098 a year over higher risk drivers.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 26, 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

Looking for Subaru WRX insurance rates can leave you with more questions than answers if you don’t know where to begin.

That’s why you should be aware that the average Subaru WRX car insurance rates cost drivers $1,360 a year or $113 every month for full coverage, and good drivers can save up to $561 a year by in the form of policy discounts.

Let this comprehensive guide serve as a reference while you compare Subaru WRX rates from various companies.

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 Audi S4, Cadillac ATS, and Kia Optima.

Vehicle Comprehensive Collision Liability Total
Subaru WRX $320 $566 $338 $1,360
Audi S4 $370 $744 $338 $1,588
Cadillac ATS $294 $566 $398 $1,416
Kia Optima $322 $532 $420 $1,454
Honda Civic $280 $656 $420 $1,536
Hyundai Sonata $294 $532 $420 $1,426
Subaru Legacy $370 $506 $338 $1,350
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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?

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, car insurance rates for a 2018 Subaru WRX are $1,360, while 2015 Subaru WRX rates 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 effect on Subaru WRX car insurance rates. For example, 30-year-old drivers pay $60 more for Subaru WRX car 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 with violations on their driving record.

Subaru WRX Safety Ratings

The Subaru WRX’s safety ratings will affect your Subaru WRX car insurance rates. See the chart 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

Not only do good Subaru WRX crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Subaru WRX auto 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

Having a variety of safety features on your Subaru WRX can help lower your insurance costs. According to AutoBlog, the 2020 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 lower percentage means lower Subaru WRX car insurance costs; higher percentages mean higher Subaru WRX car insurance costs. Compare the following Subaru WRX auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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. Below are five actions you can take to find cheap Subaru WRX auto insurance rates.

  • Ask for a New Subaru WRX Auto Insurance Rate Based on Your Improved Credit Score
  • Talk to Your Credit Card Company to Save on Rental Car Costs
  • Get Cheaper Subaru WRX Car Insurance Rates as a Full-Time Parent
  • Buy An Older Subaru WRX
  • Compare Subaru WRX Quotes Online

Top Subaru WRX Insurance Companies

Several top car insurance companies offer competitive rates for the Subaru WRX rates based on factors like discounts for safety features. Take a look at this list of 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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Compare Free Subaru WRX Insurance Quotes Online

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

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

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