Although the Subaru WRX is a sports car, the manufacturer’s focus on safety and reliability means this sporty sedan may have surprisingly affordable insurance rates for some drivers. The national average cost of car insurance is $1,674 per year for full coverage, with the average Subaru WRX insurance costing a bit more, around $1,863 annually.

Compare rates and save on auto insurance today!

Close X
Advertising Disclosure
This advertisement is powered by, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age

Save on auto insurance with quotes from trusted providers like:


Drivers switch & save an average of $750+/year

Liberty Mutual

Are you overpaying for auto insurance?


Safe drivers choose Allstate®

Powered by (NPN: 19966249)
Insurance Disclosure, LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See more providers in
Choose from insurers in

The cost of car insurance is determined by a number of factors, many of which may involve personal information like your age, location, driving history and credit score. The type of vehicle you choose and coverage types you need may also make a difference.

How much does it cost to insure a Subaru WRX?

The average cost of car insurance in the U.S. in 2021 is $1,674 per year for full coverage. Car insurance underwriters may determine your individual premium by analyzing your personal characteristics, such as driving history, ZIP code and your vehicle’s make and model. Car insurance companies may charge different rates depending on the vehicle’s model because certain vehicles are riskier to insure. The following factors may affect the cost of insurance for a Subaru WRX.

  • Price of parts: Subarus may have costly parts relative to other vehicles. In general, foreign-made vehicles may have more costly parts than domestic-made vehicles. For this reason, Subarus are generally pricier to repair than domestic vehicles of a similar class, which may be reflected in higher car insurance premiums.
  • Safety features: Some car insurance companies will offer lower premiums if your car comes equipped with certain safety features. Subaru WRXs typically come equipped with whiplash-reducing front seats, supplemental restraint system airbags and a multi-mode vehicle dynamics control system.
  • Vehicle demographics: Another factor insurers may use to determine the cost of insurance for a Subaru WRX is the engine size and the manufacturer’s suggested retail price (MSRP). A more powerful engine may mean a higher chance of speeding and accidents. The greater the MSRP of a car, the higher replacement cost and insurance rates may be.

Car insurance for Subaru WRX

A Subaru WRX is not the cheapest car to insure, but you may still find affordable options. Though car insurance rates may vary widely for each driver based on their personal history and circumstances, the rates listed below could be useful when comparing insurance costs.

Subaru WRX car insurance Average annual premium
Minimum coverage $481
Full coverage $1,863

Cheapest car insurance companies for Subaru WRXs

To find the cheapest car insurance companies for Subaru WRX vehicles, we chose from Bankrate’s best car insurance companies and compared them based on average premiums provided by Quadrant Information Services. The rates below are the average annual premiums for full coverage car insurance. Drivers looking for the cheapest Subaru WRX insurance cost may want to compare car insurance quotes from several carriers. These rates are based on a sample driver and may differ from the rate you are offered.

Average annual premium for full coverage by model

Car insurance company Subaru WRX
Amica $1,397
Erie $1,237
Geico $1,484
State Farm $1,442
USAA $1,322

What features impact my Subaru WRX insurance costs?

The Insurance Institute for Highway Safety (IIHS) deemed the Subaru WRX a Top Safety Pick+ in 2022 for its crashworthiness. As a result, some companies may provide certain safety discounts for Subaru WRX insurance. The following 2022 Subaru WRX features may affect auto insurance prices:

  • Whiplash-reducing front seats: The WRX comes equipped with front seats that feature head restraints to absorb energy. These may better protect the driver and front passenger during a rear collision.
  • Supplemental restraint system (SRS) air bags: The WRX comes equipped with additional front-side, curtain and knee airbags which may help better protect the driver. This added protection may help reduce the likelihood of medical bills and might reduce your car insurance premium.
  • Ring-shaped reinforcement frame: The WRX’s reinforced frame works to divert energy away from occupants during a collision. By helping protect travelers and potentially mitigate medical bills, this feature may help you save on your car insurance.
  • Cabin-protecting layout: The engine and gearbox are positioned to slide under the driver, rather than into the driver, in the event of a collision. This feature may help mitigate medical bills, and could help reduce your car insurance as a result.
  • Symmetrical all-wheel drive: This feature helps the vehicle gain traction where front- or rear-wheel-drive vehicles might struggle. This feature may stabilize your vehicle and help it avoid accidents.
  • High Beam Assist headlights: The Subaru WRX headlights feature High Beam Assist technology, which automatically adjusts the high beams based on road conditions like oncoming traffic.

Other car insurance coverage for Subaru WRX

Almost every state requires drivers to purchase at least a minimum amount of car insurance coverage, including liability coverage. Liability coverage protects you if you cause an accident that results in injuries and property damage. However, if your policy limits are lower than the damage you caused, you may have to pay out-of-pocket. With this in mind, you may want to speak with a car insurance agent about how much car insurance coverage they recommend for you.

Most car insurance experts recommend purchasing full coverage insurance if you can afford to. Full coverage includes collision and comprehensive insurance. If you lease your vehicle, you may also want to consider gap coverage.

Frequently asked questions

    • A Subaru WRX may be more expensive to insure than other makes and models, as the average cost of full coverage insurance for this model is higher than the national average. Although vehicle factors may determine insurance costs, personal factors like your age, driving record and claims history may also play a role. Those with a clean driving record will typically pay less for insurance than someone with a ticket or at-fault accident.
    • Yes, a Subaru WRX may be considered a sports car in the insurance industry. Unlike other sports cars, which are typically coupe-style cars, the Subaru WRX is a sedan, which may make it less expensive to insure than other sports cars, like the Chevrolet Corvette or Dodge Challenger.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Subaru WRX, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.