- Subaru WRX insurance costs an average of $1,722 per year or around $144 per month, depending on the trim level.
- Drivers can find the cheapest Subaru WRX insurance on the base WRX AWD trim level at $1,608 per year.
- The WRX STI Limited AWD has the highest rates at $1,838 per year.
- When compared to the entire sports car segment, the WRX ranks near the top at #4 out of 23 total comparison vehicles.
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.
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.
| 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 |
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.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Mazda MX-5 Miata | $1,312 | -$410 |
| 2 | Ford Mustang | $1,596 | -$126 |
| 3 | BMW Z4 | $1,628 | -$94 |
| 4 | Subaru WRX | $1,722 | -- |
| 5 | Toyota GR86 | $1,764 | $42 |
| 6 | Toyota GR Supra | $1,804 | $82 |
| 7 | Audi TT | $1,844 | $122 |
| 8 | Subaru BRZ | $1,898 | $176 |
| 9 | Chevrolet Corvette | $1,908 | $186 |
| 10 | BMW M3 | $1,960 | $238 |
| 11 | Porsche 718 | $2,044 | $322 |
| 12 | Chevrolet Camaro | $2,096 | $374 |
| 13 | Lexus RC F | $2,138 | $416 |
| 14 | Dodge Challenger | $2,152 | $430 |
| 15 | Mercedes-Benz AMG GT53 | $2,186 | $464 |
| 16 | Jaguar F-Type | $2,286 | $564 |
| 17 | Porsche Taycan | $2,346 | $624 |
| 18 | Porsche 911 | $2,402 | $680 |
| 19 | BMW M4 | $2,410 | $688 |
| 20 | Lexus LC 500 | $2,494 | $772 |
| 21 | Acura NSX | $2,924 | $1,202 |
| 22 | Audi R8 | $3,052 | $1,330 |
| 23 | Nissan 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.
| 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 |
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.
