- Subaru WRX insurance costs an average of $1,948 per year or around $162 per month, depending on the trim level.
- Drivers can find the cheapest Subaru WRX insurance on the base WRX base AWD trim level at $1,850 per year.
- The WRX GT AWD has the highest rates at $2,058 per year.
- When compared to the entire sports car segment, the WRX ranks near the top at fifth out of 26 total comparison vehicles.
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 monthly. With the average sports car costing $2,412 a year to insure, the Subaru WRX could potentially save around $464 or more on an annual basis.
The following chart details how WRX insurance cost varies with differences in driver age and a range of policy deductibles.
As with all auto insurance policies, the higher the deductibles, the lower the policy costs. In the chart above, WRX insurance rates range from an average rate for a 60-year-old driver of $1,742 up to the average rate for a 20-year-old driver of $3,854 per year.
Expect to pay much higher rates for WRX insurance for teenagers. For example, a 16-year-old male driver with a clean driving record would pay around $7,110 while a 16-year-old female would pay about $6,264. By age 18, rates drop to around $6,138 for males and $5,318 for female drivers.
Some additional noteworthy observations as they relate to insurance cost on a Subaru WRX include:
- Prepare for sticker shock for high risk insurance. For a 30-year-old driver, being required to buy a high-risk insurance policy could trigger a rate increase of $2,358 or more per year.
- Lots of policy discounts equals cheaper WRX insurance. Discounts may be available if the insured drivers drive low annual mileage, are loyal customers, are senior citizens, insure their home and car with the same company, or many other policy discounts which could save the average driver as much as $332 per year.
- Plan on paying a lot to insure a teen driver. Average rates for full coverage WRX insurance costs $7,110 per year for a 16-year-old driver, $6,592 per year for a 17-year-old driver, and $6,138 per year for a 18-year-old driver.
- Increase physical damage deductibles to save money. Increasing deductibles from $500 to $1,000 could save around $276 per year for a 40-year-old driver and $530 per year for a 20-year-old driver.
- Low physical damage deductibles may be wasting money. Decreasing deductibles from $500 to $250 could cost an additional $284 per year for a 40-year-old driver and $556 per year for a 20-year-old driver.
- Cheaper rates come with better credit scores. In states that have statutes allowing credit information to be used as a price factor, having a credit score above 800 may see savings of $306 per year when compared to a rating of 670-739. Conversely, a less-than-perfect credit score could cost around $355 more per year.
Segment insurance rate comparison
The cheapest trim level of Subaru WRX to insure is the base AWD at an estimated $1,850 per year, or about $154 per month. The next cheapest model is the Premium AWD at $1,902 per year, and the third cheapest model to insure is the Limited AWD at $1,980 per year.
For the more expensive models, the three highest cost WRX models to insure are the Subaru WRX Premium AWD, the Limited AWD, and the GT AWD trim levels at an estimated $1,902, $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.
| Subaru WRX Trim Level | Annual Policy | 6-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 |
How does WRX insurance compare?
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.
When average Subaru WRX insurance cost is compared to all vehicles (not just sports cars), the WRX costs 15.6% more than the overall national average car insurance rate of $1,685 per year.
The chart below shows how insurance cost for a 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.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Mazda MX-5 Miata | $1,630 | -$318 |
| 2 | Audi TT | $1,828 | -$120 |
| 3 | Ford Mustang | $1,914 | -$34 |
| 4 | BMW Z4 | $1,928 | -$20 |
| 5 | Subaru WRX | $1,948 | -- |
| 6 | Nissan Z | $1,978 | $30 |
| 7 | Toyota GR Supra | $2,010 | $62 |
| 8 | Toyota GR86 | $2,034 | $86 |
| 9 | BMW M2 | $2,036 | $88 |
| 10 | Subaru BRZ | $2,128 | $180 |
| 11 | Chevrolet Corvette | $2,176 | $228 |
| 12 | BMW M3 | $2,224 | $276 |
| 13 | Lexus RC F | $2,270 | $322 |
| 14 | Porsche 718 | $2,272 | $324 |
| 15 | Chevrolet Camaro | $2,310 | $362 |
| 16 | Mercedes-Benz AMG GT53 | $2,448 | $500 |
| 17 | Jaguar F-Type | $2,534 | $586 |
| 18 | Porsche Taycan | $2,590 | $642 |
| 19 | BMW M4 | $2,622 | $674 |
| 20 | Lexus LC 500 | $2,652 | $704 |
| 21 | Dodge Challenger | $2,660 | $712 |
| 22 | Porsche 911 | $2,890 | $942 |
| 23 | Acura NSX | $3,268 | $1,320 |
| 24 | Audi R8 | $3,378 | $1,430 |
| 25 | Mercedes-Benz SL 55 | $3,382 | $1,434 |
| 26 | Mercedes-Benz SL 63 | $3,600 | $1,652 |
New versus used average insurance cost
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 age 20 to 60. Rates range from the cheapest 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.
| 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 |
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.
