Subaru WRX Insurance Cost for 2022

How much are Subuaru WRX insurance rates? We analyzed average rates from the base WRX AWD model up to the STI Limited trim level to see how prices compared to other comparable sports cars.

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How much does Subaru WRX insurance cost?

Subaru WRX car insurance costs an average of $1,722 a year for full coverage, or about $144 monthly. With the average sports car costing $2,135 a year to insure, the Subaru WRX could potentially save around $413 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.

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Chart Data Details: Chart shows average insurance cost for a 2022 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 19, 2022
Subaru WRX Car Insurance Rates
Subaru WRX Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,906$242
$500$3,408$284
$250$3,932$328
30$1,000$1,524$127
$500$1,806$151
$250$2,100$175
40$1,000$1,462$122
$500$1,722$144
$250$1,990$166
50$1,000$1,336$111
$500$1,566$131
$250$1,810$151
60$1,000$1,308$109
$500$1,534$128
$250$1,774$148

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 $1,534 up to the average rate for a 20-year-old driver of $3,408 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 $6,186 while a 16-year-old female would pay about $5,448. By age 18, rates drop to around $5,378 for males and $4,664 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 $2,082 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 $294 per year.
  • Plan on paying a lot to insure a teen driver. Average rates for full coverage WRX insurance costs $6,186 per year for a 16-year-old driver, $5,764 per year for a 17-year-old driver, and $5,378 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 $260 per year for a 40-year-old driver and $502 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 $268 per year for a 40-year-old driver and $524 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 $270 per year when compared to a rating of 670-739. Conversely, a less-than-perfect credit score could cost around $313 more per year.

Which Subaru WRX is cheapest to insure?

The cheapest trim level of Subaru WRX to insure is the base AWD at an estimated $1,608 per year, or about $134 per month. The next cheapest model is the Premium AWD at $1,666 per year, and the third cheapest model to insure is the Limited AWD at $1,704 per year.

For the more expensive models, the three highest cost WRX models to insure are the Subaru WRX Limited AWD, the STI AWD, and the STI Limited AWD trim levels at an estimated $1,704,  $1,786, and $1,838 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 2022 Subaru WRX trim level.

2022 Subaru WRX Insurance Cost by Trim Level
Subaru WRX Trim Level Annual Policy 6-month Policy Per Month
AWD$1,608$804$134
Premium AWD$1,666$833$139
Limited AWD$1,704$852$142
STI AWD$1,786$893$149
STI Limited AWD$1,838$919$153

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 19, 2022
Subaru WRX Insurance Cost by Trim Level

How does WRX insurance compare?

When compared to other sports cars, Subaru WRX insurance costs $126 more per year than the Ford Mustang, $430 less than the Dodge Challenger, $374 less than the Chevrolet Camaro, and $186 less than the Chevrolet Corvette.

The Subaru WRX ranks #4 out of 23 total comparison vehicles in the 2022 sports car segment for car insurance affordability. The WRX costs an average of $1,722 per year for full coverage insurance, while the class average cost is $2,135 per year, a difference of $413 per year.

When average Subaru WRX insurance cost is compared to all vehicles (not just sports cars), the WRX costs 11% more than the overall national average car insurance rate of $1,551 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 23 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 2022 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 19, 2022
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$1,312-$410
2Ford Mustang$1,596-$126
3BMW Z4$1,628-$94
4Subaru WRX$1,722--
5Toyota GR86$1,764$42
6Toyota GR Supra$1,804$82
7Audi TT$1,844$122
8Subaru BRZ$1,898$176
9Chevrolet Corvette$1,908$186
10BMW M3$1,960$238
11Porsche 718$2,044$322
12Chevrolet Camaro$2,096$374
13Lexus RC F$2,138$416
14Dodge Challenger$2,152$430
15Mercedes-Benz AMG GT53$2,186$464
16Jaguar F-Type$2,286$564
17Porsche Taycan$2,346$624
18Porsche 911$2,402$680
19BMW M4$2,410$688
20Lexus LC 500$2,494$772
21Acura NSX$2,924$1,202
22Audi R8$3,052$1,330
23Nissan GT-R$3,132$1,410

How much is insurance on a used Subaru WRX?

Insuring a 2015 Subaru WRX instead of 2022 model may save $526 or more on insurance cost each year. Even opting for a newer 2019 model could save around $170.

The following table details average Subaru WRX insurance rates for the 2015 to 2022 model years and for drivers from age 20 to 60. Rates range from the cheapest price of $1,072 for a 60-year-old driver rated on a 2015 Subaru WRX to the most expensive rate of $3,408 for a 20-year-old driving a 2022 model.

Subaru WRX Insurance Cost for 2015-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,408$1,806$1,722$1,566$1,534
2021$3,336$1,766$1,686$1,536$1,504
2020$3,282$1,732$1,656$1,508$1,476
2019$3,090$1,632$1,552$1,414$1,388
2018$3,034$1,602$1,522$1,388$1,362
2017$2,914$1,534$1,462$1,334$1,308
2016$2,706$1,426$1,354$1,238$1,216
2015$2,374$1,262$1,196$1,092$1,072

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Table Data Details: Average rates assume 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 February 20, 2022
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 $826 a year, depending on the policy deductibles and the age of the driver.