- Subaru WRX insurance costs an average of $2,690 per year for the 2024 model, or around $224 per month, depending on the trim level.
- Drivers can find the cheapest Subaru WRX insurance on the base WRX base trim level at $2,506 per year, but policy discounts can lower that cost considerably.
- When compared to the 2024 sports car segment, the WRX ranks near the top at fifth out of 23 total comparison vehicles.
- In a comparison of six large U.S. insurance companies, GEICO and Progressive tended to have the best Subaru WRX insurance rates.
How much does Subaru WRX insurance cost?
Subaru WRX car insurance costs an average of $2,690 a year for full coverage, or about $224 per month. With the average sports car costing $3,300 a year to insure, the Subaru WRX could potentially save around $610 when compared to similar 2024 models.
If we broaden the comparison to all 2024 models, not just sports cars, the WRX costs about 4.5% more to insure than the overall average car insurance rate for 2024 model year vehicles of $2,572 per year.
If you’re wondering why insurance seems expensive on a WRX, there are some factors that affect rates in a big way. A couple of these are the driver’s age and, if you have a full coverage policy, the deductibles you choose for physical damage coverage.
The following chart details how average car insurance rates on a 2024 Subaru WRX vary with differences in driver age and a range of policy deductibles.
As with all auto insurance policies, the higher the deductibles, the less car insurance costs. In the chart above, WRX insurance rates range from an average rate for a 60-year-old driver of $2,240 to an average rate for a 20-year-old driver of $5,380 per year.
Cost of Subaru WRX insurance for drivers aged 16 to 19
The WRX is popular with younger drivers primarily due to its relatively low cost, its sporty performance, and also the ability to easily mod the WRX with aftermarket parts and accessories.
However, the cost of car insurance for teenage drivers on a WRX may be a sticking point for a lot of parents.
The chart below shows average car insurance rates for a 2015 Subaru WRX for drivers aged 16 through 19, both male and female. We choose that model due to the fact that it’s old enough to have cheaper insurance rates, but not really old enough that it would justify liability-only insurance.
When compared to the rates in the first chart, it’s easy to see that insurance rates for teens are much higher than for older age groups, despite the fact that you’ll find cheaper insurance quotes on a 2015 WRX than a new 2024 model.
Just for kicks, if we rate the 16-year-old on a 2024 WRX, the increase in insurance rates from a 2015 WRX to a 2024 Subaru WRX is $4,086 per year, bringing the average cost up to $9,660 per year.
Despite these high numbers, one thing to keep in mind if you’re trying to find the cheapest insurance on a WRX is that rates vary considerably based on your location.
The best way to see if cheap Subaru WRX insurance quotes are available is to enter your Zip Code below the chart above and click the GO button.
Subaru WRX insurance rates by trim level
Along with driver age and policy deductibles, the actual WRX trim level you’re needing to insure is a factor that affects the price of car insurance.
Price quotes on the base model WRX will be cheaper than a higher-end model like the GT. This is primarily due to two things: the value of the vehicle and the performance level.
When a vehicle has a higher replacement cost compared to lower-end models, the cost of car insurance will generally be higher due to the fact that car insurance companies will have to pay more to replace your car if it is totaled.
The WRX offers the same 2.4-liter turbocharged Boxer engine in all four WRX models, but when you get up to the GT model, the transmission is swapped out for the performance version with manual mode and paddle shifters.
Insurance rates reflect the value and performance of each trim, as the cheapest Subaru WRX to insure is the base model at $2,506 per year, or about $209 per month. The next cheapest model is the Premium at $2,582 per year.
Drivers can expect more expensive insurance rates on the GT and the TR trim levels at $2,804 and $2,868 per year, respectively.
Average annual and semi-annual car insurance rates are shown in the table below, in addition to a monthly budget figure, for each 2024 Subaru WRX trim level.
| 2024 Subaru WRX Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Base | $2,506 | $209 |
| Premium | $2,582 | $215 |
| Limited | $2,692 | $224 |
| GT | $2,804 | $234 |
| TR | $2,868 | $239 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
Is Subaru WRX insurance expensive?
When compared to other sports cars, Subaru WRX insurance costs $428 less per year than the Chevrolet Camaro, $160 more per year than the Toyota GR86, and $178 less per year than the Subaru BRZ.
The Subaru WRX ranks fifth out of 23 total comparison vehicles in the 2024 sports car segment for car insurance affordability. The WRX costs an average of $2,690 per year for full coverage insurance, while the class average cost is $3,300 per year, a difference of $610 per year.
Is a Subaru WRX considered a sports car?
The WRX isn’t as high-performance as some of the other models in the segment like the Dodge Challenger, Porsche 911, Chevy Corvette, or Camaro, but it’s sporty enough to be included for car insurance comparison purposes.
Specific models that might be the best matches to the WRX are the Volkswagen Golf GTI or R, Volkswagen Jetta GLI, Hyundai Elantra N, and Honda Civic Si or Type R.
Regardless if you consider the WRX a sports car or not, the chart below shows how the insurance cost for a 2024 Subaru WRX compares to the top 10 most popular sports cars. An additional table after the chart shows average insurance rates for all 23 models in the sports car class and how they compare to the WRX.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Mazda MX-5 Miata | $2,220 | -$470 |
| 2 | Toyota GR86 | $2,530 | -$160 |
| 3 | Ford Mustang | $2,634 | -$56 |
| 4 | BMW Z4 | $2,650 | -$40 |
| 5 | Subaru WRX | $2,690 | -- |
| 6 | Toyota GR Supra | $2,694 | $4 |
| 7 | BMW M2 | $2,772 | $82 |
| 8 | Nissan Z | $2,778 | $88 |
| 9 | Lexus RC F | $2,838 | $148 |
| 10 | Subaru BRZ | $2,868 | $178 |
| 11 | BMW M3 | $3,030 | $340 |
| 12 | Porsche 718 | $3,090 | $400 |
| 13 | Chevrolet Camaro | $3,118 | $428 |
| 14 | Chevrolet Corvette | $3,322 | $632 |
| 15 | Porsche 911 | $3,438 | $748 |
| 16 | BMW M4 | $3,580 | $890 |
| 17 | Lexus LC 500 | $3,600 | $910 |
| 18 | Jaguar F-Type | $3,786 | $1,096 |
| 19 | Mercedes-Benz AMG GT53 | $3,972 | $1,282 |
| 20 | Porsche Taycan | $4,062 | $1,372 |
| 21 | Mercedes-Benz SL 55 | $4,632 | $1,942 |
| 22 | Nissan GT-R | $4,670 | $1,980 |
| 23 | Mercedes-Benz SL 63 | $4,930 | $2,240 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated October 24, 2025
New versus used WRX average car insurance cost
For the average driver, insuring a 2015 Subaru WRX instead of 2024 model may save $1,114 or more on insurance cost each year. Even opting for a newer 2019 model could save around $496.
The following table details average Subaru WRX insurance rates for the 2015 to 2024 model years and for drivers from ages 20 to 60. Rates range from the lowest price of $1,310 for a 60-year-old driver rated on a 2015 Subaru WRX to the most expensive rate of $5,380 for a 20-year-old driving a 2024 model.
We cover detailed trim-level insurance rates later in this article, but you can click here to scroll to that section if you’re wanting to see rates for a specific WRX trim level and model year, like a 2015 Subaru WRX STI, for example.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Subaru WRX | $5,380 | $2,690 | $2,240 |
| 2023 Subaru WRX | $5,152 | $2,572 | $2,142 |
| 2022 Subaru WRX | $4,998 | $2,486 | $2,068 |
| 2021 Subaru WRX | $4,918 | $2,448 | $2,036 |
| 2020 Subaru WRX | $4,778 | $2,378 | $1,978 |
| 2019 Subaru WRX | $4,434 | $2,194 | $1,822 |
| 2018 Subaru WRX | $4,262 | $2,114 | $1,756 |
| 2017 Subaru WRX | $4,036 | $2,002 | $1,668 |
| 2016 Subaru WRX | $3,658 | $1,822 | $1,516 |
| 2015 Subaru WRX | $3,148 | $1,576 | $1,310 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Subaru WRX trim levels for each model year. Updated October 24, 2025
Eventually, as the vehicle gets older it will probably be a good financial move to eliminate physical damage coverage from an insurance policy. As a vehicle depreciates, the expense of physical damage coverage is more than the benefits.
Removing full coverage on an older Subaru WRX could possibly save $1,086 a year, depending on the policy deductibles and the age of the driver.
And for teenage drivers, removing physical damage coverage will decrease insurance rates by an even greater amount.
How to find the best insurance for a Subaru WRX
The chances are good that your definition of the best insurance for a WRX coincides with the cheapest insurance quotes. Most drivers place price as their top priority when shopping for car insurance.
However, other things to consider when comparing rates are each company’s claims service responsiveness, how easy they make it to manage your policy, whether they offer the coverage options you need, and finally, the types of discounts they offer.
In a comparison of car insurance companies that offer coverage nationwide in the U.S., we found that GEICO and Progressive tended to have some of the best rates on a Subaru WRX, with Nationwide and State Farm ranking ahead of Farmers and Allstate.
The average estimated GEICO insurance rate on a 2024 Subaru WRX was $2,348 per year with Progressive following closely behind at $2,416.
Nationwide and State Farm were slightly more expensive on average at $2,663 and $2,814 per year, while Farmers and Allstate had the highest average rates in the comparison at $3,050 and $3,376 per year, respectively.
The chart below shows average estimated rates for each company in the comparison on a 2024 WRX. Following the chart, a list of pros and cons for each company is available, along with links to each site where you can read more about the coverages they offer.
The list below details some of the pros and cons for each company in the chart above. Rates can vary significantly based on your location, so we recommend getting some free car insurance quotes for the model year and trim level of your WRX that will factor in where you live and provide much more accurate rates.
1. GEICO
Estimated GEICO car insurance rate on a 2024 Subaru WRX: $2,348 per year
Pros
- Insureds can make payments or file claims through a smartphone app
- Provides non-owner coverage for people who need coverage but do not own a car
- Will file SR-22/FR-44 forms with the state (for an extra fee) if they are mandated from a prior conviction
Cons
- They do not give customers the ability to buy loan/lease gap insurance coverage
- They do not have optional coverage for ridesharing for drivers who are employed by Lyft or Uber
Get a Quote Or read more about auto insurance coverages offered at GEICO.com
2. Progressive
Estimated Progressive car insurance rate on a 2024 Subaru WRX: $2,416 per year
Pros
- Offers good online and mobile options for managing your policy and tracking claims
- The company will file SR-22/FR-44 forms if you are required to file them
- Sells rideshare insurance for insureds who earn money with a company like Uber or Lyft
Cons
- Progressive tends to have a below-average claim satisfaction rating in J.D. Power surveys
- Higher than average prices for drivers under the age of 25
Get a Quote Or read more about auto insurance coverages offered at Progressive.com
3. Nationwide
Estimated Nationwide car insurance rate on a 2024 Subaru WRX: $2,663 per year
Pros
- They offer a usage-based insurance policy option, SmartRide, for drivers who might be able to get a discount
- Insureds can make payments or file claims via the Nationwide app
- Perks are available like gap insurance and accident forgiveness
Cons
- High average rates for drivers who have prior accidents with injuries
- Average rates are higher for drivers with major violations like a DUI or reckless driving
Get a Quote Or read more about auto insurance coverages offered at Nationwide.com
4. State Farm
Estimated State Farm car insurance rate on a 2024 Subaru WRX: $2,814 per year
Pros
- Extends optional rideshare coverage for insureds who have a side gig with Uber or Lyft
- The company has excellent ratings with agencies like AM Best and Moody’s and Fitch
- They generally have a low amount of customer complaints filed with state insurance departments
Cons
- High insurance rates for drivers with bad credit
- Average rates are more expensive for drivers with accidents or major violations
Get a Quote Or read more about auto insurance coverages offered at StateFarm.com
5. Farmers Insurance
Estimated Farmers Insurance car insurance rate on a 2024 Subaru WRX: $3,050 per year
Pros
- The company has above-average shopping and claim satisfaction ratings in recent surveys
- Offers non-owner coverage for drivers who do not own a car
- Offers additional coverage like new car replacement and accident forgiveness
Cons
- High insurance rates for a lot of drivers
- The company doesn’t give customers the ability to buy gap insurance coverage
Get a Quote Or read more about auto insurance coverages offered at Farmers.com
6. Allstate
Estimated Allstate car insurance rate on a 2024 Subaru WRX: $3,376 per year
Pros
- Offers non-owner car insurance coverage
- Extends optional insurance for ridesharing for drivers who have a side job with a company like Uber or Lyft
- Offers a pay-per-mile program (Milewise) for drivers who don’t drive very much
Cons
- Average rates are higher for drivers with below-average credit or speeding tickets
- Average prices are not great for drivers who let their previous policy lapse or have an at-fault accident on their record
Get a Quote Or read more about auto insurance coverages offered at Allstate.com
Subaru WRX prior model year insurance rates
The following sections detail Subaru WRX insurance rates for every trim level for the 2015 to 2022 model years.
2022 Subaru WRX Insurance Rates
Average insurance rates for a 2022 Subaru WRX are $2,486 per year, or around $207 per month. Rates range from $2,324 per year for the WRX AWD to $2,658 for the WRX STI Limited AWD.
| 2022 Subaru WRX Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| AWD | $2,324 | $194 |
| Premium AWD | $2,408 | $201 |
| Limited AWD | $2,464 | $205 |
| STI AWD | $2,580 | $215 |
| STI Limited AWD | $2,658 | $222 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated October 24, 2025
2021 Subaru WRX Insurance Rates
Average insurance rates for a 2021 Subaru WRX are $2,448 per year, or around $204 per month. Rates range from $2,284 per year for the WRX AWD to $2,614 for the WRX STI Limited AWD.
| 2021 Subaru WRX Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| AWD | $2,284 | $190 |
| Premium AWD | $2,338 | $195 |
| Premium Performance AWD | $2,370 | $198 |
| Limited AWD | $2,404 | $200 |
| Premium Special Edition AWD | $2,438 | $203 |
| Limited Navi AWD | $2,468 | $206 |
| STI AWD | $2,502 | $209 |
| STI Premium AWD | $2,502 | $209 |
| STI Special Edition AWD | $2,568 | $214 |
| STI Limited AWD | $2,614 | $218 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated October 24, 2025
2020 Subaru WRX Insurance Rates
Average insurance rates for a 2020 Subaru WRX are $2,378 per year, or around $198 per month. Rates range from $2,220 per year for the WRX AWD to $2,536 for the WRX STI Limited AWD.
| 2020 Subaru WRX Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| AWD | $2,220 | $185 |
| Premium AWD | $2,270 | $189 |
| Premium Performance AWD | $2,302 | $192 |
| Limited AWD | $2,332 | $194 |
| Premium Special Edition AWD | $2,364 | $197 |
| Limited Navi AWD | $2,398 | $200 |
| STI AWD | $2,430 | $203 |
| STI Premium AWD | $2,430 | $203 |
| STI Special Edition AWD | $2,492 | $208 |
| STI Limited AWD | $2,536 | $211 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated October 24, 2025
2019 Subaru WRX Insurance Rates
Insurance rates for a 2019 Subaru WRX average $2,194 per year, or about $183 per month. Rates range from $2,090 per year for the WRX AWD to $2,378 for the WRX STI Limited Navigation AWD.
| 2019 Subaru WRX Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| AWD | $2,090 | $174 |
| Premium AWD | $2,090 | $174 |
| Premium Premium AWD | $2,090 | $174 |
| Limited AWD | $2,152 | $179 |
| Limited Navigation AWD | $2,212 | $184 |
| STI AWD | $2,274 | $190 |
| STI Premium Premium AWD | $2,274 | $190 |
| STI Limited Navigation AWD | $2,378 | $198 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated October 24, 2025
2018 Subaru WRX Insurance Rates
2018 Subaru WRX insurance rates average $2,114 per year, or around $176 per month. Cost ranges from $2,002 per year for the WRX AWD to $2,270 for the WRX STI Limited AWD.
| 2018 Subaru WRX Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| AWD | $2,002 | $167 |
| Premium AWD | $2,002 | $167 |
| Limited AWD | $2,058 | $172 |
| Premium Performance AWD | $2,058 | $172 |
| Limited w/Navigation AWD | $2,116 | $176 |
| Eyesight/Navigation System AWD | $2,172 | $181 |
| STI AWD | $2,172 | $181 |
| STI Recaro AWD | $2,172 | $181 |
| STI Limited AWD | $2,270 | $189 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated October 24, 2025
2017 Subaru WRX Insurance Rates
A 2017 Subaru WRX averages $2,002 per year for full coverage insurance, or around $167 per month. Rates range from $1,926 per year for the WRX AWD to $2,088 for the WRX STI Navigation AWD.
| 2017 Subaru WRX Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| AWD | $1,926 | $161 |
| Premium AWD | $1,926 | $161 |
| Limited AWD | $1,982 | $165 |
| Premium w/Navigation AWD | $1,982 | $165 |
| STI AWD | $1,998 | $167 |
| Limited w/Navigation AWD | $2,034 | $170 |
| STI Limited AWD | $2,088 | $174 |
| STI Navigation AWD | $2,088 | $174 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated October 24, 2025
2016 Subaru WRX Insurance Rates
Average insurance cost for a 2016 Subaru WRX is $1,822 per year, or around $152 per month. Rates range from $1,740 per year for the WRX 2.0T AWD to $1,888 for the WRX STI 2.5T Navigation AWD.
| 2016 Subaru WRX Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 2.0T AWD | $1,740 | $145 |
| 2.0T Premium AWD | $1,740 | $145 |
| 2.0T Limited AWD | $1,788 | $149 |
| 2.0T Premium w/Navigation AWD | $1,788 | $149 |
| 2.0T Limited w/Navigation AWD | $1,838 | $153 |
| STI 2.5T AWD | $1,838 | $153 |
| STI 2.5T Limited AWD | $1,888 | $157 |
| STI 2.5T Limited w/Navigation AWD | $1,888 | $157 |
| STI 2.5T Navigation AWD | $1,888 | $157 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated October 24, 2025
2015 Subaru WRX Insurance Rates
Insurance rates average $1,576 per year for a 2015 Subaru WRX, or around $131 per month. Rates range from $1,504 per year for the WRX 2.0T AWD to $1,640 for the WRX STI 2.5T Navigation AWD.
| 2015 Subaru WRX Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 2.0T AWD | $1,504 | $125 |
| 2.0T Limited AWD | $1,504 | $125 |
| 2.0T Premium AWD | $1,504 | $125 |
| 2.0T Limited w/Navigation AWD | $1,550 | $129 |
| 2.0T Premium w/Navigation AWD | $1,550 | $129 |
| STI 2.5T AWD | $1,596 | $133 |
| STI 2.5T Launch Edition AWD | $1,640 | $137 |
| STI 2.5T Limited AWD | $1,640 | $137 |
| STI 2.5T Limited w/Navigation AWD | $1,640 | $137 |
| STI 2.5T Navigation AWD | $1,640 | $137 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated October 24, 2025
