Skip to Main Content

Car insurance for Subaru WRX

Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by (NPN: 8781838). For more information, please see our

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 to insure.

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?

The average cost of car insurance in the U.S. is $1,674 per year for full coverage. Car insurance underwriters 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 charge different rates depending on the vehicle’s model because certain vehicles are riskier to insure. The following factors typically affect the cost of insurance for certain vehicle makes and models:

  • Price of parts: Subarus have costly parts relative to other vehicles. In general, foreign-made vehicles have more costly parts than domestic-made vehicles. For this reason, Subarus are generally pricier to repair than domestic vehicles of a similar class, and this 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 air bags and a multi-mode vehicle dynamics control system.

Car insurance for Subaru WRX

Auto insurance for Subaru WRX vehicles is not the cheapest, but you can still find affordable options. Though car insurance rates vary widely for each driver 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 price of auto insurance 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 car insurance for Subaru WRX vehicles, 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.

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

Subaru WRX features that impact insurance costs

The Insurance Institute for Highway Safety (IIHS) deemed the Subaru WRX a Top Safety Pick in 2021 for its crashworthiness. As a result, some companies may provide certain safety discounts when it comes to your Subaru WRX insurance. The following Subaru WRX features may affect car insurance prices:

  • Whiplash-reducing front seats: The WRX comes equipped with front seats featuring head restraints that absorb energy and better protect the driver and front passenger during a rear collision. This protection may help passengers stay safe in an accident, and could help reduce car insurance costs as a result.
  • Supplemental restraint system (SRS)* air bags: The WRX comes equipped with airbags in front of drivers, on the side of the vehicle and at the knee, which offer added protection to the front passengers. This added protection may help reduce the likelihood of medical bills and, in turn, could 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 would struggle. This feature may stabilize your vehicle and help it avoid accidents, which could lead to cheaper car insurance.

Other car insurance coverage for Subaru WRX

Almost every state requires drivers to purchase at least a minimum amount of 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, which is a combination of collision and comprehensive insurance. Collision coverage pays out to cover medical bills and damages in a collision. Comprehensive coverage pays out to cover damages that aren’t associated with a collision, such as damage from inclement weather, hitting an animal, vandalism and theft. If you lease your vehicle, you may also want to consider options such as gap coverage, which pays the difference between what you owe on your vehicle and what it’s worth. Or, you may want to purchase new car replacement coverage, which pays out to buy a brand new vehicle of the same make and model in the event that you total your vehicle.


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.

Written by
Lizzie Nealon
Insurance Writer
Lizzie Nealon is a former insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Editor