- Subaru WRX insurance costs an average of $2,002 per year for the 2023 model, or around $167 per month, depending on the trim level.
- Drivers can find the cheapest Subaru WRX insurance on the base WRX base AWD trim level at $1,900 per year, but policy discounts can lower that cost considerably.
- When compared to the 2023 sports car segment, the WRX ranks near the top at fifth out of 26 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 $2,002 a year for full coverage, or about $167 per month. With the average sports car costing $2,476 a year to insure, the Subaru WRX could potentially save around $474 when compared to similar 2023 models.
If we broaden the comparison to all 2023 models, not just sports cars, the WRX costs about 2.7% more to insure than the overall average car insurance rate for 2023 model year vehicles of $1,948 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.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
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 $1,788 to an average rate for a 20-year-old driver of $3,954 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.
|Gender||Driver Age 16||Age 17||Age 18||Age 19|
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 $2,644 per year, bringing the average cost up to $7,294 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 $1,900 per year, or about $158 per month. The next cheapest model is the Premium AWD at $1,956 per year.
Drivers can expect more expensive insurance rates on the Limited AWD and the GT AWD trim levels at $2,034 and $2,114 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||Six-Month Policy||Per Month|
Is Subaru WRX insurance expensive?
When compared to other sports cars, Subaru WRX insurance costs $38 more per year than the Ford Mustang, $728 less than the Dodge Challenger, $366 less than the Chevrolet Camaro, and $232 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 $2,002 per year for full coverage insurance, while the class average cost is $2,476 per year, a difference of $474 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.
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.
|1||Mazda MX-5 Miata||$1,672||-$330|
|7||Toyota GR Supra||$2,066||$64|
|13||Lexus RC F||$2,330||$328|
|16||Mercedes-Benz AMG GT53||$2,512||$510|
|20||Lexus LC 500||$2,722||$720|
|25||Mercedes-Benz SL 55||$3,474||$1,472|
|26||Mercedes-Benz SL 63||$3,698||$1,696|
New versus used WRX average car insurance cost
For the average driver, insuring a 2015 Subaru WRX instead of 2023 model may save $704 or more on insurance cost each year. Even opting for a newer 2019 model could save around $260.
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 $1,162 for a 60-year-old driver rated on a 2015 Subaru WRX to the most expensive rate of $3,954 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.
|Model Year and Vehicle||Driver Age 20||Driver Age 40||Driver Age 60|
|2023 Subaru WRX||$3,954||$2,002||$1,788|
|2022 Subaru WRX||$3,832||$1,936||$1,726|
|2021 Subaru WRX||$3,772||$1,904||$1,698|
|2020 Subaru WRX||$3,728||$1,878||$1,676|
|2019 Subaru WRX||$3,470||$1,742||$1,556|
|2018 Subaru WRX||$3,406||$1,708||$1,526|
|2017 Subaru WRX||$3,224||$1,620||$1,448|
|2016 Subaru WRX||$3,002||$1,504||$1,348|
|2015 Subaru WRX||$2,570||$1,298||$1,162|
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 $872 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 $1,748 per year with Progressive following closely behind at $1,798.
Nationwide and State Farm were slightly more expensive on average at $1,982 and $2,094 per year, while Farmers and Allstate had the highest average rates in the comparison at $2,270 and $2,513 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.
|Insurance Company||Average Annual Rate||Cost Per Month|
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.
Estimated GEICO car insurance rate on a 2023 Subaru WRX: $1,748 per year
- 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
- 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
Estimated Progressive car insurance rate on a 2023 Subaru WRX: $1,798 per year
- 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
- 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
Estimated Nationwide car insurance rate on a 2023 Subaru WRX: $1,982 per year
- 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
4. State Farm
Estimated State Farm car insurance rate on a 2023 Subaru WRX: $2,094 per year
- 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
- High insurance rates for drivers with bad credit
- Average rates are more expensive for drivers with accidents or major violations
5. Farmers Insurance
Estimated Farmers Insurance car insurance rate on a 2023 Subaru WRX: $2,270 per year
- 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
- High insurance rates for a lot of drivers
- The company doesn’t give customers the ability to buy gap insurance coverage
Estimated Allstate car insurance rate on a 2023 Subaru WRX: $2,513 per year
- 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
- 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
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 $1,936 per year, or around $161 per month. Rates range from $1,810 per year for the WRX AWD to $2,066 for the WRX STI Limited AWD.
|2022 Subaru WRX Trim Level||Annual Rate||Per Month|
|STI Limited AWD||$2,066||$172|
2021 Subaru WRX Insurance Rates
Average insurance rates for a 2021 Subaru WRX are $1,904 per year, or around $159 per month. Rates range from $1,778 per year for the WRX AWD to $2,030 for the WRX STI Limited AWD.
|2021 Subaru WRX Trim Level||Annual Rate||Per Month|
|Premium Performance AWD||$1,844||$154|
|Premium Special Edition AWD||$1,894||$158|
|Limited Navi AWD||$1,920||$160|
|STI Premium AWD||$1,944||$162|
|STI Special Edition AWD||$1,994||$166|
|STI Limited AWD||$2,030||$169|
2020 Subaru WRX Insurance Rates
Average insurance rates for a 2020 Subaru WRX are $1,878 per year, or around $157 per month. Rates range from $1,754 per year for the WRX AWD to $2,002 for the WRX STI Limited AWD.
|2020 Subaru WRX Trim Level||Annual Rate||Per Month|
|Premium Performance AWD||$1,820||$152|
|Premium Special Edition AWD||$1,868||$156|
|Limited Navi AWD||$1,892||$158|
|STI Premium AWD||$1,916||$160|
|STI Special Edition AWD||$1,966||$164|
|STI Limited AWD||$2,002||$167|
2019 Subaru WRX Insurance Rates
Insurance rates for a 2019 Subaru WRX average $1,742 per year, or about $145 per month. Rates range from $1,662 per year for the WRX AWD to $1,882 for the WRX STI Limited Navigation AWD.
|2019 Subaru WRX Trim Level||Annual Rate||Per Month|
|Premium Premium AWD||$1,662||$139|
|Limited Navigation AWD||$1,756||$146|
|STI Premium Premium AWD||$1,802||$150|
|STI Limited Navigation AWD||$1,882||$157|
2018 Subaru WRX Insurance Rates
2018 Subaru WRX insurance rates average $1,708 per year, or around $142 per month. Cost ranges from $1,618 per year for the WRX AWD to $1,832 for the WRX STI Limited AWD.
|2018 Subaru WRX Trim Level||Annual Rate||Per Month|
|Premium Performance AWD||$1,664||$139|
|Limited w/Navigation AWD||$1,710||$143|
|Eyesight/Navigation System AWD||$1,754||$146|
|STI Recaro AWD||$1,754||$146|
|STI Limited AWD||$1,832||$153|
2017 Subaru WRX Insurance Rates
A 2017 Subaru WRX averages $1,620 per year for full coverage insurance, or around $135 per month. Rates range from $1,560 per year for the WRX AWD to $1,686 for the WRX STI Navigation AWD.
|2017 Subaru WRX Trim Level||Annual Rate||Per Month|
|Premium w/Navigation AWD||$1,602||$134|
|Limited w/Navigation AWD||$1,644||$137|
|STI Limited AWD||$1,686||$141|
|STI Navigation AWD||$1,686||$141|
2016 Subaru WRX Insurance Rates
Average insurance cost for a 2016 Subaru WRX is $1,504 per year, or around $125 per month. Rates range from $1,438 per year for the WRX 2.0T AWD to $1,558 for the WRX STI 2.5T Navigation AWD.
|2016 Subaru WRX Trim Level||Annual Rate||Per Month|
|2.0T Premium AWD||$1,438||$120|
|2.0T Limited AWD||$1,478||$123|
|2.0T Premium w/Navigation AWD||$1,478||$123|
|2.0T Limited w/Navigation AWD||$1,518||$127|
|STI 2.5T AWD||$1,518||$127|
|STI 2.5T Limited AWD||$1,558||$130|
|STI 2.5T Limited w/Navigation AWD||$1,558||$130|
|STI 2.5T Navigation AWD||$1,558||$130|
2015 Subaru WRX Insurance Rates
Insurance rates average $1,298 per year for a 2015 Subaru WRX, or around $108 per month. Rates range from $1,240 per year for the WRX 2.0T AWD to $1,350 for the WRX STI 2.5T Navigation AWD.
|2015 Subaru WRX Trim Level||Annual Rate||Per Month|
|2.0T Limited AWD||$1,240||$103|
|2.0T Premium AWD||$1,240||$103|
|2.0T Limited w/Navigation AWD||$1,276||$106|
|2.0T Premium w/Navigation AWD||$1,276||$106|
|STI 2.5T AWD||$1,314||$110|
|STI 2.5T Launch Edition AWD||$1,350||$113|
|STI 2.5T Limited AWD||$1,350||$113|
|STI 2.5T Limited w/Navigation AWD||$1,350||$113|
|STI 2.5T Navigation AWD||$1,350||$113|