Subaru WRX Insurance Cost by Model Year: Premium, Limited, STI and GT

We compared Subaru WRX car insurance quotes for every trim level from 2015 to 2023 to see which has the best prices. Find out how to get the best insurance for a WRX plus see rates for drivers aged 16 to 60.

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How much does Subaru WRX insurance cost?

Subaru WRX car insurance costs an average of $1,948 a year for full coverage, or about $162 per month. With the average sports car costing $2,412 a year to insure, the Subaru WRX could potentially save around $464 when compared to similar 2023 models.

If we broaden the comparison to all 2023 models, not just sports cars, the WRX costs about 2.5% more to insure than the overall average car insurance rate for 2023 model year vehicles of $1,900 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 2023 Subaru WRX vary with differences in driver age and a range of policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 Subaru WRX with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Subaru WRX trim levels.Data last updated on May 5, 2023
Subaru WRX Car Insurance Rates
2023 Subaru WRX Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,324$277
$500$3,854$321
$250$4,410$368
30$1,000$1,738$145
$500$2,038$170
$250$2,350$196
40$1,000$1,672$139
$500$1,948$162
$250$2,232$186
50$1,000$1,528$127
$500$1,776$148
$250$2,030$169
60$1,000$1,498$125
$500$1,742$145
$250$1,992$166

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 $1,742 to an average rate for a 20-year-old driver of $3,854 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.

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Chart Data Details: Teenage driver rates are for a 2015 model year Subaru WRX with $500 physical damage deductibles. Rates are averaged across all U.S. states and all Subaru WRX trim levels.Data last updated on May 5, 2023
2015 Subaru WRX Insurance Rates for Teen Drivers
Subaru WRX Insurance Cost for Teenage Drivers
Gender Driver Age 16 Age 17 Age 18 Age 19
Male$4,532$4,230$3,950$3,572
Female$3,990$3,766$3,426$3,174

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 2023 model.

Just for kicks, if we rate the 16-year-old on a 2023 WRX, the increase in insurance rates from a 2015 WRX to a 2023 Subaru WRX is $2,578 per year, bringing the average cost up to $7,110 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 AWD model at $1,850 per year, or about $154 per month. The next cheapest model is the Premium AWD at $1,902 per year.

Drivers can expect more expensive insurance rates on the Limited AWD and the GT AWD trim levels at $1,980 and $2,058 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 2023 Subaru WRX trim level.

2023 Subaru WRX Insurance Cost by Trim Level
Subaru WRX Trim Level Annual Policy Six-Month Policy Per Month
Base AWD$1,850$925$154
Premium AWD$1,902$951$159
Limited AWD$1,980$990$165
GT AWD$2,058$1,029$172

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Subaru WRX, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
Subaru WRX Insurance Cost by Trim Level

Is Subaru WRX insurance expensive?

When compared to other sports cars, Subaru WRX insurance costs $34 more per year than the Ford Mustang, $712 less than the Dodge Challenger, $362 less than the Chevrolet Camaro, and $228 less than the Chevrolet Corvette.

The Subaru WRX ranks fifth out of 26 total comparison vehicles in the 2023 sports car segment for car insurance affordability. The WRX costs an average of $1,948 per year for full coverage insurance, while the class average cost is $2,412 per year, a difference of $464 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 2023 Subaru WRX compares to the top 10 most popular sports cars. An additional table after the chart shows average insurance rates for all 26 models in the sports car class and how they compare to the WRX.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Subaru WRX, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Subaru WRX trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
Insurance Cost Comparison: Subaru WRX vs Top 10 Sports Cars
Subaru WRX Insurance Cost Compared to All Sports Cars
Rank Make/Model Insurance Cost Difference
1Mazda MX-5 Miata$1,630-$318
2Audi TT$1,828-$120
3Ford Mustang$1,914-$34
4BMW Z4$1,928-$20
5Subaru WRX$1,948--
6Nissan Z$1,978$30
7Toyota GR Supra$2,010$62
8Toyota GR86$2,034$86
9BMW M2$2,036$88
10Subaru BRZ$2,128$180
11Chevrolet Corvette$2,176$228
12BMW M3$2,224$276
13Lexus RC F$2,270$322
14Porsche 718$2,272$324
15Chevrolet Camaro$2,310$362
16Mercedes-Benz AMG GT53$2,448$500
17Jaguar F-Type$2,534$586
18Porsche Taycan$2,590$642
19BMW M4$2,622$674
20Lexus LC 500$2,652$704
21Dodge Challenger$2,660$712
22Porsche 911$2,890$942
23Acura NSX$3,268$1,320
24Audi R8$3,378$1,430
25Mercedes-Benz SL 55$3,382$1,434
26Mercedes-Benz SL 63$3,600$1,652

New versus used WRX average car insurance cost

For the average driver, insuring a 2015 Subaru WRX instead of 2023 model may save $682 or more on insurance cost each year. Even opting for a newer 2019 model could save around $252.

The following table details average Subaru WRX insurance rates for the 2015 to 2023 model years and for drivers from ages 20 to 60. Rates range from the lowest price of $1,134 for a 60-year-old driver rated on a 2015 Subaru WRX to the most expensive rate of $3,854 for a 20-year-old driving a 2023 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.

Subaru WRX Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Subaru WRX$3,854$1,948$1,742
2022 Subaru WRX$3,736$1,880$1,682
2021 Subaru WRX$3,676$1,852$1,656
2020 Subaru WRX$3,632$1,826$1,634
2019 Subaru WRX$3,378$1,696$1,514
2018 Subaru WRX$3,318$1,662$1,486
2017 Subaru WRX$3,140$1,576$1,410
2016 Subaru WRX$2,924$1,464$1,316
2015 Subaru WRX$2,506$1,266$1,134

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
Subaru WRX Insurance Cost by Model Year

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 $850 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 2023 Subaru WRX was $1,701 per year with Progressive following closely behind at $1,749.

Nationwide and State Farm were slightly more expensive on average at $1,929 and $2,038 per year, while Farmers and Allstate had the highest average rates in the comparison at $2,209 and $2,445 per year, respectively.

The chart below shows average estimated rates for each company in the comparison on a 2023 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 Subaru WRX, rated for a 40-year-old married male driver. Physical damage deductibles are $500, liability limits are 100/300/100, and rates are averaged for all locations and Subaru WRX trim levels.Data last updated on May 5, 2023
Average 2023 Subaru WRX Insurance Rates by Company
Average 2023 Subaru WRX Insurance Rates by Company
Insurance CompanyAverage Annual RateCost Per Month
GEICO$1,701$142
Progressive$1,749$146
Nationwide$1,929$161
State Farm$2,038$170
Farmers$2,209$184
Allstate$2,445$204

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 2023 Subaru WRX: $1,701 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 2023 Subaru WRX: $1,749 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 2023 Subaru WRX: $1,929 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 2023 Subaru WRX: $2,038 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 2023 Subaru WRX: $2,209 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 2023 Subaru WRX: $2,445 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 $1,880 per year, or around $157 per month. Rates range from $1,758 per year for the WRX AWD to $2,010 for the WRX STI Limited AWD.

2022 Subaru WRX Insurance Cost by Trim Level
2022 Subaru WRX Trim Level Annual Rate Per Month
AWD$1,758$147
Premium AWD$1,820$152
Limited AWD$1,862$155
STI AWD$1,950$163
STI Limited AWD$2,010$168

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Subaru WRX, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2022 Subaru WRX Insurance Cost by Trim Level

2021 Subaru WRX Insurance Rates

Average insurance rates for a 2021 Subaru WRX are $1,852 per year, or around $154 per month. Rates range from $1,730 per year for the WRX AWD to $1,976 for the WRX STI Limited AWD.

2021 Subaru WRX Insurance Cost by Trim Level
2021 Subaru WRX Trim Level Annual Rate Per Month
AWD$1,730$144
Premium AWD$1,770$148
Premium Performance AWD$1,794$150
Limited AWD$1,818$152
Premium Special Edition AWD$1,842$154
Limited Navi AWD$1,868$156
STI AWD$1,890$158
STI Premium AWD$1,890$158
STI Special Edition AWD$1,942$162
STI Limited AWD$1,976$165

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Subaru WRX, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2021 Subaru WRX Insurance Cost by Trim Level

2020 Subaru WRX Insurance Rates

Average insurance rates for a 2020 Subaru WRX are $1,826 per year, or around $152 per month. Rates range from $1,706 per year for the WRX AWD to $1,948 for the WRX STI Limited AWD.

2020 Subaru WRX Insurance Cost by Trim Level
2020 Subaru WRX Trim Level Annual Rate Per Month
AWD$1,706$142
Premium AWD$1,746$146
Premium Performance AWD$1,770$148
Limited AWD$1,794$150
Premium Special Edition AWD$1,818$152
Limited Navi AWD$1,842$154
STI AWD$1,866$156
STI Premium AWD$1,866$156
STI Special Edition AWD$1,914$160
STI Limited AWD$1,948$162

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2020 Subaru WRX, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2020 Subaru WRX Insurance Cost by Trim Level

2019 Subaru WRX Insurance Rates

Insurance rates for a 2019 Subaru WRX average $1,696 per year, or about $141 per month. Rates range from $1,618 per year for the WRX AWD to $1,832 for the WRX STI Limited Navigation AWD.

2019 Subaru WRX Insurance Cost by Trim Level
2019 Subaru WRX Trim Level Annual Rate Per Month
AWD$1,618$135
Premium AWD$1,618$135
Premium Premium AWD$1,618$135
Limited AWD$1,664$139
Limited Navigation AWD$1,708$142
STI AWD$1,754$146
STI Premium Premium AWD$1,754$146
STI Limited Navigation AWD$1,832$153

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2019 Subaru WRX, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2019 Subaru WRX Insurance Cost by Trim Level

2018 Subaru WRX Insurance Rates

2018 Subaru WRX insurance rates average $1,662 per year, or around $139 per month. Cost ranges from $1,576 per year for the WRX AWD to $1,782 for the WRX STI Limited AWD.

2018 Subaru WRX Insurance Cost by Trim Level
2018 Subaru WRX Trim Level Annual Rate Per Month
AWD$1,576$131
Premium AWD$1,576$131
Limited AWD$1,620$135
Premium Performance AWD$1,620$135
Limited w/Navigation AWD$1,664$139
Eyesight/Navigation System AWD$1,708$142
STI AWD$1,708$142
STI Recaro AWD$1,708$142
STI Limited AWD$1,782$149

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2018 Subaru WRX, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2018 Subaru WRX Insurance Cost by Trim Level

2017 Subaru WRX Insurance Rates

A 2017 Subaru WRX averages $1,576 per year for full coverage insurance, or around $131 per month. Rates range from $1,518 per year for the WRX AWD to $1,642 for the WRX STI Navigation AWD.

2017 Subaru WRX Insurance Cost by Trim Level
2017 Subaru WRX Trim Level Annual Rate Per Month
AWD$1,518$127
Premium AWD$1,518$127
Limited AWD$1,558$130
Premium w/Navigation AWD$1,558$130
STI AWD$1,572$131
Limited w/Navigation AWD$1,600$133
STI Limited AWD$1,642$137
STI Navigation AWD$1,642$137

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2017 Subaru WRX, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2017 Subaru WRX Insurance Cost by Trim Level

2016 Subaru WRX Insurance Rates

Average insurance cost for a 2016 Subaru WRX is $1,464 per year, or around $122 per month. Rates range from $1,400 per year for the WRX 2.0T AWD to $1,518 for the WRX STI 2.5T Navigation AWD.

2016 Subaru WRX Insurance Cost by Trim Level
2016 Subaru WRX Trim Level Annual Rate Per Month
2.0T AWD$1,400$117
2.0T Premium AWD$1,400$117
2.0T Limited AWD$1,438$120
2.0T Premium w/Navigation AWD$1,438$120
2.0T Limited w/Navigation AWD$1,478$123
STI 2.5T AWD$1,478$123
STI 2.5T Limited AWD$1,518$127
STI 2.5T Limited w/Navigation AWD$1,518$127
STI 2.5T Navigation AWD$1,518$127

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2016 Subaru WRX, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2016 Subaru WRX Insurance Cost by Trim Level

2015 Subaru WRX Insurance Rates

Insurance rates average $1,266 per year for a 2015 Subaru WRX, or around $106 per month. Rates range from $1,208 per year for the WRX 2.0T AWD to $1,316 for the WRX STI 2.5T Navigation AWD.

2015 Subaru WRX Insurance Cost by Trim Level
2015 Subaru WRX Trim Level Annual Rate Per Month
2.0T AWD$1,208$101
2.0T Limited AWD$1,208$101
2.0T Premium AWD$1,208$101
2.0T Limited w/Navigation AWD$1,244$104
2.0T Premium w/Navigation AWD$1,244$104
STI 2.5T AWD$1,280$107
STI 2.5T Launch Edition AWD$1,316$110
STI 2.5T Limited AWD$1,316$110
STI 2.5T Limited w/Navigation AWD$1,316$110
STI 2.5T Navigation AWD$1,316$110

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2015 Subaru WRX, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2015 Subaru WRX Insurance Cost by Trim Level