- Subaru WRX insurance costs an average of $1,800 per year or around $150 per month, depending on the trim level.
- Drivers can find the cheapest Subaru WRX insurance on the base WRX AWD trim level at $1,660 per year.
- The WRX STI Special Edition AWD has the highest rates at $1,890 per year.
- When compared to the entire sports car segment, the WRX ranks near the top at #4 out of 18 total comparison vehicles.
How much does Subaru WRX insurance cost?
Subaru WRX car insurance costs an average of $1,800 a year for full coverage, or about $150 monthly. With the average sports car costing $2,212 a year to insure, the Subaru WRX could potentially save around $412 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 $1,610 up to the average rate for a 20-year-old driver of $3,582 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 $6,480 while a 16-year-old female would pay about $5,706. By age 18, rates drop to around $5,654 for males and $4,906 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 $2,196 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 $308 per year.
- Plan on paying a lot to insure a teen driver. Average rates for full coverage WRX insurance costs $6,480 per year for a 16-year-old driver, $6,054 per year for a 17-year-old driver, and $5,654 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 $542 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 $290 per year for a 40-year-old driver and $572 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 $283 per year when compared to a rating of 670-739. Conversely, a less-than-perfect credit score could cost around $328 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 $1,660 per year, or about $138 per month. The next cheapest model is the Premium AWD at $1,728 per year, and the third cheapest model to insure is the Premium Performance AWD at $1,752 per year.
For the more expensive models, the three highest cost WRX models to insure are the Subaru WRX STI Premium AWD, the STI Limited AWD, and the STI Special Edition AWD trim levels at an estimated $1,844, $1,890, and $1,890 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 2021 Subaru WRX trim level.
| Subaru WRX Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| AWD | $1,660 | $830 | $138 |
| Premium AWD | $1,728 | $864 | $144 |
| Premium Performance AWD | $1,752 | $876 | $146 |
| Limited AWD | $1,774 | $887 | $148 |
| Premium Special Edition AWD | $1,798 | $899 | $150 |
| Limited Navi AWD | $1,820 | $910 | $152 |
| STI AWD | $1,844 | $922 | $154 |
| STI Premium AWD | $1,844 | $922 | $154 |
| STI Limited AWD | $1,890 | $945 | $158 |
| STI Special Edition AWD | $1,890 | $945 | $158 |
How does WRX insurance compare?
When compared to other sports cars, Subaru WRX insurance costs $102 more per year than the Ford Mustang, $280 less than the Dodge Challenger, $204 less than the Chevrolet Camaro, and $146 less than the Chevrolet Corvette.
The Subaru WRX ranks #4 out of 18 total comparison vehicles in the 2021 sports car segment for car insurance affordability. The WRX costs an average of $1,800 per year for full coverage insurance, while the class average cost is $2,212 per year, a difference of $412 per year.
When average Subaru WRX insurance cost is compared to all vehicles (not just sports cars), the WRX costs 18.2% more than the overall national average car insurance rate of $1,523 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 18 models in the sports car class and how they compare to the WRX.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Mazda MX-5 Miata | $1,388 | -$412 |
| 2 | Ford Mustang | $1,698 | -$102 |
| 3 | Audi TT | $1,708 | -$92 |
| 4 | Subaru WRX | $1,800 | -- |
| 5 | Toyota Supra | $1,812 | $12 |
| 6 | Porsche 718 | $1,876 | $76 |
| 7 | Nissan 370Z | $1,892 | $92 |
| 8 | Chevrolet Corvette | $1,946 | $146 |
| 9 | Subaru BRZ | $1,984 | $184 |
| 10 | Chevrolet Camaro | $2,004 | $204 |
| 11 | Dodge Challenger | $2,080 | $280 |
| 12 | Jaguar F-Type | $2,336 | $536 |
| 13 | Lexus LC 500 | $2,500 | $700 |
| 14 | Porsche 911 | $2,592 | $792 |
| 15 | BMW i8 | $2,826 | $1,026 |
| 16 | Acura NSX | $2,940 | $1,140 |
| 17 | Audi R8 | $3,170 | $1,370 |
| 18 | Nissan GT-R | $3,272 | $1,472 |
How much is insurance on a used Subaru WRX?
Insuring a 2015 Subaru WRX instead of 2021 model may save $608 or more on insurance cost each year. Even opting for a newer 2019 model could save around $210.
The following table details average Subaru WRX insurance rates for the 2015 to 2021 model years and for drivers from age 20 to 60. Rates range from the cheapest price of $1,068 for a 60-year-old driver rated on a 2015 Subaru WRX to the most expensive rate of $3,582 for a 20-year-old driving a 2021 model.
| Model Year | Driver Age 20 | Driver Age 30 | Driver Age 40 | Driver Age 50 | Driver Age 60 |
|---|---|---|---|---|---|
| 2021 | $3,582 | $1,894 | $1,800 | $1,640 | $1,610 |
| 2020 | $3,504 | $1,846 | $1,758 | $1,600 | $1,570 |
| 2019 | $3,172 | $1,674 | $1,590 | $1,448 | $1,424 |
| 2018 | $3,164 | $1,666 | $1,582 | $1,444 | $1,420 |
| 2017 | $3,042 | $1,600 | $1,522 | $1,386 | $1,362 |
| 2016 | $2,728 | $1,440 | $1,368 | $1,248 | $1,228 |
| 2015 | $2,366 | $1,260 | $1,192 | $1,088 | $1,068 |
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 $828 a year, depending on the policy deductibles and the age of the driver.
