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 $1,734 a year for full coverage, or about $145 monthly. With the average sports car costing $2,152 a year to insure, the Subaru WRX could potentially save around $418 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 June 24, 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$2,928$244
$500$3,432$286
$250$3,962$330
30$1,000$1,536$128
$500$1,820$152
$250$2,116$176
40$1,000$1,472$123
$500$1,734$145
$250$2,004$167
50$1,000$1,344$112
$500$1,578$132
$250$1,822$152
60$1,000$1,320$110
$500$1,550$129
$250$1,788$149

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 $1,550 up to the average rate for a 20-year-old driver of $3,432 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 $6,234 while a 16-year-old female would pay about $5,492. By age 18, rates drop to around $5,422 for males and $4,702 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 $2,098 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 $296 per year.
  • Plan on paying a lot to insure a teen driver. Average rates for full coverage WRX insurance costs $6,234 per year for a 16-year-old driver, $5,812 per year for a 17-year-old driver, and $5,422 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 $262 per year for a 40-year-old driver and $504 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 $270 per year for a 40-year-old driver and $530 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 $272 per year when compared to a rating of 670-739. Conversely, a less-than-perfect credit score could cost around $316 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 $1,620 per year, or about $135 per month. The next cheapest model is the Premium AWD at $1,678 per year, and the third cheapest model to insure is the Limited AWD at $1,718 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 $1,718,  $1,800, and $1,854 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$1,620$810$135
Premium AWD$1,678$839$140
Limited AWD$1,718$859$143
STI AWD$1,800$900$150
STI Limited AWD$1,854$927$155

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 June 24, 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, $436 less than the Dodge Challenger, $378 less than the Chevrolet Camaro, and $188 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 $1,734 per year for full coverage insurance, while the class average cost is $2,152 per year, a difference of $418 per year.

When average Subaru WRX insurance cost is compared to all vehicles (not just sports cars), the WRX costs 10.7% more than the overall national average car insurance rate of $1,567 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 June 24, 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$1,322-$412
2Ford Mustang$1,608-$126
3BMW Z4$1,642-$92
4Subaru WRX$1,734--
5Toyota GR86$1,776$42
6Toyota GR Supra$1,818$84
7Audi TT$1,856$122
8Subaru BRZ$1,916$182
9Chevrolet Corvette$1,922$188
10BMW M3$1,974$240
11Porsche 718$2,064$330
12Chevrolet Camaro$2,112$378
13Lexus RC F$2,162$428
14Dodge Challenger$2,170$436
15Mercedes-Benz AMG GT53$2,202$468
16Jaguar F-Type$2,304$570
17Porsche Taycan$2,366$632
18Porsche 911$2,426$692
19BMW M4$2,428$694
20Lexus LC 500$2,514$780
21Acura NSX$2,948$1,214
22Audi R8$3,078$1,344
23Nissan GT-R$3,154$1,420

How much is insurance on a used Subaru WRX?

Insuring a 2015 Subaru WRX instead of 2022 model may save $530 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 $1,080 for a 60-year-old driver rated on a 2015 Subaru WRX to the most expensive rate of $3,432 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$3,432$1,820$1,734$1,578$1,550
2021$3,364$1,780$1,698$1,544$1,516
2020$3,306$1,746$1,668$1,518$1,490
2019$3,114$1,646$1,564$1,426$1,400
2018$3,058$1,614$1,534$1,400$1,374
2017$2,938$1,546$1,470$1,344$1,320
2016$2,726$1,436$1,366$1,246$1,224
2015$2,394$1,272$1,204$1,100$1,080

Get Rates in Your AreaWhy is this important?

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 June 24, 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 $832 a year, depending on the policy deductibles and the age of the driver.