Car insurance for Subaru WRX

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Insurance rates for sporty sedans like the Subaru WRX can be higher than other sedans. With a national average cost of car insurance for full coverage at $1,674 per year, it may surprise you how affordable a safe and reliable sports sedan can be.

The cost of car insurance is determined by a number of factors, many of which involve personal information like your age, location, driving history and credit score. The type of vehicle you choose also makes a difference, as does the coverage you select and whether you need full coverage or state minimum insurance coverage.

How much does it cost to insure a Subaru WRX?

Car insurance is a requirement in almost every state because it pays to protect other drivers and passengers if you cause an accident resulting in injuries or property damage. The make and model you choose to drive also makes a difference in the rate you pay for insurance coverage. Rates for car insurance also vary by insurance companies, which is why the best car insurance company may differ from person to person.

The 2021 Subaru WRX starts at $27,495 for the base model and also comes in the Premium and Limited trim packages for an additional cost. The Subaru WRX STI has a more expensive base price of $37,245 but also has a bigger Boxer engine and high-performance brakes. The specific make and model you choose from Subaru can affect the rate you pay for car insurance.

One good thing about choosing a Subaru WRX is the safety of the vehicle. The Subaru WRX has been a Top Safety Pick Award winner given by the Insurance Institute of Highway Safety eight years in a row in the small car category. With the optional EyeSight Driver-Assist System, the IIHS gives the Subaru WRX a superior rating, which can drive down car insurance costs by increasing the safety feature discount and minimizing claim payouts.

Car insurance for Subaru WRX

While the Subaru WRX is not the cheapest car to insure, it can still be affordable. Though car insurance rates vary widely by each person based on their personal history and circumstances, the rates listed below may be useful when comparing insurance costs. For minimum liability coverage, the average annual insurance rate for a Subaru WRX is $481. Drivers needing full coverage insurance will pay more at an average $1,863 annual cost of insurance.

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 offering coverage for the Subaru WRX, we chose from Bankrate’s best car insurance companies and picked the top five based on market share. The rates below are the average annual premiums for state minimum liability and full coverage car insurance. For full coverage, the Subaru WRX is cheapest with Erie at $1,237 per year, which is over $400 less per year than the national average for full coverage car insurance. These rates are based on a sample driver and may differ from the rate you are offered, based on your personal driving history and demographics.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $353 $1,322
Geico $358 $1,484
State Farm $450 $1,442
Erie $313 $1,237
Amica $363 $1,397

Other car insurance coverage for Subaru WRX

The Subaru WRX was first introduced in 2001 and is still popular today. The familiar boxer engine with unique sound is a favorite in the Subaru lineup, having been based on the 1992 Impreza used for the World Rally Championship. The sports sedan comes standard with all-wheel drive, manual transmission and a turbocharged engine. Non-manual drivers can now get the WRX with an automatic transmission, making this rally-inspired car a fun choice for all drivers.

However, with a turbocharged engine offered in every Subaru WRX sports sedan, drivers should consider getting coverage beyond state minimum liability insurance. Purchasing the most liability insurance you can afford is recommended by most insurance experts. The liability coverage protects you if you cause an accident resulting in injuries and property damage. In many states, drivers can be sued for liability costs above their insurance limits, so purchasing more liability insurance can provide better financial protection.

If you plan to finance your Subaru WRX, consider purchasing comprehensive and collision coverages. These physical damage coverages protect your investment by paying for damages to your WRX for covered claims, regardless of fault. Rental car reimbursement is a good choice for people without another vehicle to drive if their WRX is the shop for covered repairs. Gap insurance should also be considered if you finance your WRX, which will pay the gap between the book value and loan payoff if the car is totaled in a covered claim.

Just like rates for car insurance, coverage offerings vary by carrier. Some offer additional add-on coverages like mechanical breakdown, OEM parts, sound system coverage, new car replacement and more. Consider shopping for car insurance quotes from several carriers to find the coverage, discounts and pricing that work the best for your budget and needs for your Subaru WRX.


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 coverages that meet 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.

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.
Edited by
Insurance Editor