Subaru WRX Insurance Cost for 2021

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

Start QuoteCompare WRX car insurance rates and save on your next policy.

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2021 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.
Subaru WRX Car Insurance Rates
Subaru WRX Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,040$253
$500$3,582$299
$250$4,154$346
30$1,000$1,592$133
$500$1,894$158
$250$2,210$184
40$1,000$1,524$127
$500$1,800$150
$250$2,090$174
50$1,000$1,390$116
$500$1,640$137
$250$1,900$158
60$1,000$1,364$114
$500$1,610$134
$250$1,864$155

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 Insurance Cost by 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

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 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.
Subaru WRX Insurance Cost by Trim Level

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2021 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.
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$1,388-$412
2Ford Mustang$1,698-$102
3Audi TT$1,708-$92
4Subaru WRX$1,800--
5Toyota Supra$1,812$12
6Porsche 718$1,876$76
7Nissan 370Z$1,892$92
8Chevrolet Corvette$1,946$146
9Subaru BRZ$1,984$184
10Chevrolet Camaro$2,004$204
11Dodge Challenger$2,080$280
12Jaguar F-Type$2,336$536
13Lexus LC 500$2,500$700
14Porsche 911$2,592$792
15BMW i8$2,826$1,026
16Acura NSX$2,940$1,140
17Audi R8$3,170$1,370
18Nissan 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.

Subaru WRX Insurance Cost for 2015-2021 Models
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

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.
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 $828 a year, depending on the policy deductibles and the age of the driver.