Subaru WRX Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Subaru WRX is more expensive to insure than the average car.

• Full coverage auto insurance for a WRX comes in at about $231 monthly, on average, while liability only insurance typically runs around $85 a month.

• Good2Go provides the most affordable average premiums for a WRX with liability only coverage offered for as cheap as just $20 monthly.

---

---

WRX Overview

With base prices starting at just $30,045 for new 2021 models, the Subaru WRX is a great car for drivers on a budget. There's a WRX for every driver, with a choice of five different trim options.

We sifted through thousands of insurance quotes on Compare.com, and we've determined that, on average, Subaru WRX auto insurance rates run about $208 per month. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Subaru WRX?

Looking at the table above, you can see that Subaru WRX insurance premiums are more expensive than average compared to other vehicles. On average, WRX owners can expect to pay around $85 a month for liability insurance, and about $231 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (learn more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When you compare it to other Subaru models, the WRX is more expensive, with prices around 47% higher than the rest of the automaker's vehicle offerings. Similarly, WRX coverage is higher than average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging more expensive rates than other cars.

When compared to all vehicles, regardless of make, model, or body style, the WRX follows a similar pattern of having above average car insurance premiums.

---

---

Who has the Cheapest Car Insurance for a Subaru WRX?

If you're in the market for a new auto insurance policy for your Subaru WRX, you might want to know which company offers the cheapest premiums. Although rates can fluctuate pretty significantly depending on your driver profile, Good2Go offers the cheapest average rates for liability only coverage, with rates as low as just $20 a month. With car insurance sometimes as cheap as $36 per month, CaliforniaCasualty is the next lowest insurance carrier.

Completing the top 5 carriers are Verti, Mile Auto, and Aspire. That being said, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Subaru WRX.

Car insurance carriers take many things into consideration when calculating monthly prices. Since every driver is different, there's only one way to make sure you get the most affordable premiums, and that's by getting personalized quotes and comparing rates from a whole bunch of auto insurance companies.

---

---

What Factors Affect Car Insurance Rates for a Subaru WRX?

There are a bunch of factors that car insurance carriers use to choose how much they charge you for auto insurance -- and each company uses a different algorithm, so there's not just one carrier that's the lowest for every WRX driver.

The sections below show multiple variables car insurance companies use to decide rates:

Vehicle Age

Subaru has been making the WRX for quite some time, so the car's age may make a big difference in how much you'll pay for insurance. Typically, older cars will be cheaper to insure because they're worth less than newer models, and as cars get older, insurance costs will gradually decrease.

Based on the information in the above table, the Subaru WRX does not follow this trend, as the most expensive models to insure are those that are 6 to 7 years old, while the cheapest WRXs are 1 year old or less, on average.

Your Age

Age is another factor that makes a significant difference in how much car insurance carriers will charge for insurance. Based on the information above, drivers who are under 24 pay more expensive premiums compared to those with more experience. In this case, drivers 18 to 24 pay $37 more than those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group being 45-54 for WRX drivers.

Your Gender

Men usually pay more for auto insurance than women. This is because women are less likely to get into collisions and get speeding tickets, which decreases the chances of an insurance claim. Surprisingly, when it comes to WRX drivers specifically, women pay about 9% more than men every month for insurance.

Where You Live

It may be obvious that factors such as how old you are and what vehicle you drive play a role in your car insurance prices, but did you know that where you live matters, too? Because auto insurance is regulated at the state level, premiums can change quite a bit depending on where you live.

For example, the average Subaru WRX owner in New York pays around $195 monthly for liability coverage, while on average, the same Californian driver will pay less than half of that price. The table referenced above shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change between states.

---

---

Subaru WRX Car Insurance Discounts

Whatever your age, your car, or your home state, using as many discounts as possible when it comes to your insurance is always a smart move when shopping around for a new policy.

While no two auto insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Pay-in-full discounts for drivers who agree to pay their entire policy price at once, rather than in monthly installments
• Multi-policy discounts for getting both your home and auto policies from the same company
• Multi-vehicle discounts for adding more than one car to your auto policy
• Defensive driving discounts for taking a defensive driving class from a certified school or institution

But these aren't the only discounts car insurance carriers offer to their customers. Some of the best ways to save are just by having a positive insurance profile and good driving history.

While you can't control every variable insurance companies take into account to calculate prices (like some of the ones mentioned above), there are quite a few that are in your control. Below are just a few of the ones you can use to your advantage in order to save money on car insurance:

Your Driving Record

It's no secret that auto insurance carriers offer the cheapest premiums to drivers with clean records. It shouldn't come as a surprise that if you get tickets or get into an accident, insurance rates will go higher. But how much will they cost you?

As you can tell, accidents will usually cost WRX drivers less than tickets, but both will result in higher than average rates. Subaru WRX drivers with a single ticket will pay about $121 per month, while drivers with one accident on their record pay an average of $84 per month. Those who have multiple kinds of either violation will end up paying even more.

How Much You Drive

How much you drive annually plays a role when it comes to your auto insurance prices. Those who are on the roads less often have fewer opportunities to get into an accident, so they'll generally be offered cheaper rates. Based on the table above, you can see that Subaru WRX owners who drive between 5,000 and 7,500 miles a year pay an average of $62 a month for car insurance, while those who put less than 2,500 miles on their cars pay $111.

If you drive a limited amount, it may be worth getting usage-based or pay-per-mile insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

---

---

How Do Subaru WRXs Compare to Other Vehicles?

If you're thinking about making a Subaru WRX your next car, you might want to know how it compares to other cars. Insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.

Check out the table below to see how the Subaru WRX stacks up:

With an MSRP that's a third less than the going rate for a new vehicle, the Subaru WRX is a great value for any budget. While the national average vehicle MSRP is $46,179, the WRX goes for just $30,045.

Although the WRX's price is on the low end of the spectrum, auto insurance premiums run slightly above average when compared to the rest of the vehicle market. Liability insurance for a Subaru WRX is about $1 per month less than average, while full coverage is over $50 more monthly.

When it comes to usage, Subaru WRX drivers are much lower than the national average in annual miles driven, with 11,660 miles for all vehicles each year compared to the WRX's 10,582 a year.

Subaru WRX Car Insurance Costs by Model Year

So far, you've seen how different variables affect how much the average driver pays for car insurance. But if you're considering buying a new vehicle and the WRX is one you're thinking about, knowing what you'll likely pay can be extremely valuable as you weigh your choices.

That's why we've done the heavy lifting and analyzed Subaru WRX auto insurance prices by model year. Choose a specific WRX model year in the dropdown below and see average rates for both full coverage and liability only insurance. We've also included some other helpful info that might help you make a decision, like available trims, base price, and even the cheapest insurance carrier for each WRX model year.

Choose Your Model

2021 Subaru WRX Car Insurance 2020 Subaru WRX Car Insurance 2019 Subaru WRX Car Insurance 2018 Subaru WRX Car Insurance 2017 Subaru WRX Car Insurance 2016 Subaru WRX Car Insurance 2015 Subaru WRX Car Insurance

2021 Subaru WRX Car Insurance

If you're considering a brand new Subaru WRX, you're looking at a starting price of $30,045, but with five different trim levels available on this year's WRX, the price can vary quite a bit.

When it comes to insurance, the average 2021 Subaru WRX normally costs around $80 a month to insure for liability only and $243 per month for full coverage. And if you want the most affordable insurance possible, Fiesta offers liability only policies for sometimes as little as $35 monthly.

Even though it's great to know the average price drivers pay for insurance, you'll only find out exactly what you'll pay if you get a personalized quote. With Compare.com, you can get lots of quotes at once, all for free. Just enter your ZIP code below, answer a few questions, and unlock your best rates in minutes.

---

---

2020 Subaru WRX Car Insurance

If you're looking to buy a 2020 WRX or already own one, you can expect an average car insurance premium of about $80 for liability or $254 for full coverage.

And if you're just looking for the cheapest insurance for your WRX, Mercury offers liability only policies for as low as $30 a month.

If you want to know exactly how much you can expect to pay for your WRX, get free quotes in minutes by just entering your ZIP code below.

---

---

2019 Subaru WRX Car Insurance

The average cost to insure a 2019 Subaru WRX with liability only coverage is $77 per month, while full coverage runs around $209 a month.

With premiums as little as just $27 monthly, DirectGeneral offered the lowest policy we found.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

---

---

2018 Subaru WRX Car Insurance

On average, drivers who own a 2018 WRX can expect to pay $82 to $230 per month for liability only and full coverage car insurance, respectively.

Looking for the most affordable policy? Hugo offered liability only coverage for sometimes as low as $21 monthly.

Interested in just how much you'll pay? Just enter your ZIP code below to get multiple customized quotes for free.

---

---

2017 Subaru WRX Car Insurance

2017 Subaru WRX drivers can expect to pay an average of $100 per month for liability or $251 for full coverage.

We found Good2Go offered the lowest policy, with rates as little as $220/mo a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

---

---

2016 Subaru WRX Car Insurance

It costs about $81 monthly for liability or $217 for a full coverage policy for the 2016 WRX.

With rates as cheap as $22 a month, MetLife offered the cheapest policy we found for the 2016 Subaru WRX.

Want to figure out exactly what you'll be asked to pay? Get several personalized quotes for free by just entering your ZIP code below.

---

---

2015 Subaru WRX Car Insurance

You can expect full coverage for a 2015 Subaru WRX to run around $226 per month, while liability only coverage will average about $87 monthly.

Hugo offered the most affordable policy we found, with rates as low as just $18 a month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

---

---

Subaru WRX Insurance FAQs

Is a Subaru WRX expensive to insure?

When compared to the national average of all vehicles, prices come in on the more expensive end of the spectrum. Liability insurance runs an average of $85 per month, while full coverage will cost you around $231.

How can I get the best price on car insurance for my Subaru WRX?

There's only one way to be confident you're getting the lowest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole range of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Subaru WRX affect my insurance premiums?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's actually not the case. There are a variety of factors auto insurance carriers examine when they offer prices, but the color of your vehicle is not factored into that decision.

Do I need to have insurance before I buy a Subaru WRX?

You'll need to have valid insurance for your car before you can legally drive your it off the dealership lot. As part of the buying process, some dealerships may offer you an insurance policy, but the best thing to do when buying a an car is to let your auto insurance company know beforehand.

What car insurance discounts can I get for my Subaru WRX?

There are a whole range of different discounts out there for car insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the Subaru WRX you drive, but if your WRX has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to reach out to your insurance carrier and ask about their discounts.