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Subaru WRX Car Insurance

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Key takeaways

  • Insurance for a Subaru WRX will cost on average $1748 annually , or roughly $146 per month. However, this can vary depending on what trim level you own.
  • The Subaru WRX AWD and Premium AWD are the cheapest trim level to insure, costing $1632/year and $1690/year respectively.
  • The Subaru WRX STI Limited AWD is the costliest trim level to insure, with the annual premium as high as $1866/year.
  • State Farm offers the cheapest insurance for the Subaru WRX, with premiums starting at $1460/year.

Subaru WRX auto insurance cost

The Subaru WRX is one of the most popular sports cars in the market today. You may not think twice before buying one, but there are a couple of things to remember before you drive one home. The most important of that is - how much will Subaru WRX insurance cost you annually?

On average, Subaru WRX insurance will cost $1748/year, which is $113 higher than the national average of $1635 per year. However, it may cost you even lesser depending upon the trim level you own, the city your live in, and other factors.

If you feel overwhelmed by the challenge of searching for Subaru insurance, you're in the right place. With, you can get a free quote for your Subaru in just minutes and compare offers from top auto insurance companies in just minutes!

Are Subaru WRXs expensive to insure?

The Subaru WRX is an all-wheel drive sports car with prices starting at $30,000. On average, it is very affordable to insure compared to other sports cars in this range.

For starters, the average Subaru WRX insurance premium across all US states amounts to roughly $1748/year - just marginally higher than the average national premium for all cars. The Subaru WRX premium is on average $1420 cheaper than the most expensive sports car to insure - the Nissan GT-R.

Make/Model Average Annual Rate
Mazda MX-5 Miata $1,334
Ford Mustang $1,620
BMW Z4 $1,654
Subaru WRX $1,746
Toyota GR86 $1,788
Toyota GR Supra $1,830
Audi TT $1,868
Subaru BRZ $1,928
Chevrolet Corvette $1,934
BMW M3 $1,986
Porsche 718 $2,076
Chevrolet Camaro $2,124
Lexus RC F $2,174
Dodge Challenger $2,182
Mercedes-Benz AMG GT53 $2,214
Jaguar F-Type $2,316
Porsche Taycan $2,378
Porsche 911 $2,438
BMW M4 $2,440
Lexus LC 500 $2,526
Acura NSX $2,960
Audi R8 $3,090
Nissan GT-R $3,166

Subaru WRX insurance costs can often vary based on other factors too - like the age of the driver, the city your live in, or if you live in a state where insurance is costly in general.

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What impacts the cost of Subaru WRX auto insurance?

Insurance companies use multiple factors to assess what your Subaru WRX should be charged as a premium. Often, it is a mix of personal information like your age, credit score, and payment history combined with the vehicle's features like model and make.

Some of these variables include:

  • The driver's age
  • The driver's gender
  • The city you are driving in
  • The age of the car
  • Trim level of the car
  • The insurance company you choose

Age of the driver

The younger the driver, the riskier they may seem to insurance companies. That's because they do not have a driving record to show, and could end up in more car accidents.

If you opt for the least auto insurance deductible, a 20-year-old Subaru WRX owner will be charged around $3974/year compared to a 60-year-old who'll have a premium of $1800/year.

Age of Driver Average Annual Rate
Age 20 $3974
Age 30 $2128
Age 40 $2016
Age 50 $1834
Age 60 $1800

Model year / age of the car

Older Subaru WRX models will generally cost lesser to insure, because they may have different features. Also, their value would have depreciated over time, which means they don't need to be insured for as much as a new model.

The average auto insurance premium for a 2022 Subaru WRX is $2024/year compared to $1410/year for a 2018 model.

Model Year Average Annual Rate Monthly Rate
2022 Subaru WRX $2024 $169
2021 Subaru WRX $1980 $165
2020 Subaru WRX $1956 $163
2019 Subaru WRX $1,830 $153
2018 Subaru WRX $1410 $118

Trim level

Trim levels refer to the new additions, special features and equipment added to the car. The Subaru WRX has 5 main trim levels.

The Subaru WRX AWD and Premium AWD trim levels are the cheapest to insure - they will only cost you between $1630-1690 on average. The STI Limited AWD is the costliest to insure at $1866/year.

Subaru WRX Trim Level Average Annual Rate Per Month
AWD $1,632 $136
Premium AWD $1,690 $141
Limited AWD $1,730 $144
STI AWD $1,812 $151
STI Limited AWD $1,866 $156

City you are located in

If you live in a large city with a high density of vehicles, there's a higher probability of you getting into an accident. Therefore, Subaru WRX insurance premiums tend to be costlier in certain ZIP codes depending on the vehicle density, crimes rate and possibility of theft/burglary.

Insurance company

The research team crunched some numbers to find that State Farm offers the cheapest Subaru WRX insurance deals averaged across all states costing $1460/year.

Company Annual Rate
State Farm $1460
Acuity $1470
American Family $1540
Country $1618
USAA $1989
Progressive $2351
Nationwide $2741
Farmers $3184

How much is 2022 Subaru WRX auto insurance?

The average auto insurance premium for a 2022 Subaru WRX is $2024/year.

How much is 2021 Subaru WRX auto insurance?

The average auto insurance premium for a 2021 Subaru WRX is $1980/year.

How much is 2020 Subaru WRX auto insurance?

The average auto insurance premium for a 2020 Subaru WRX is $1956/year.

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Subaru WRX crash test ratings

Vehicle Year Overall Rating Front Driver and Passenger Side Driver and Passenger Rollover
2021 Subaru WRX 5 stars 5 stars 5 stars 5 stars
2020 Subaru WRX 5 stars 5 stars 5 stars 5 stars

Subaru WRX safety features

Having a sports car is exciting, but it's more reassuring when you know it's safe to drive. Here are some of the features present in the Subaru WRX:

  • Anti-lock brakes
  • Stability control
  • Front-impact airbags
  • Side impact airbags
  • Overhead airbags
  • Knee airbags
  • Pretensioners
  • Ignition disable device

Subaru WRX safety ratings

IIHS Safety Test Type Safety Rating
Front crash prevention Superior
Side Impact Test Good
Rear crash prevention Good
Moderate overlap front test Good
Roof strength test Good
Small overlap front: driver-side Good
Small overlap front: passenger Good

Ways to save on Subaru WRX car insurance

  • Be a safe driver: Rash driving, traffic offenses, and accidents where you were at fault might make you more expensive to insure. Your premiums can be lowered to manageable levels by driving cautiously and attempting to avoid accidents.
  • Improve your credit before applying: Insurance companies measure your worth based on your credit score. A score above 750 can get you lower rates, while a score less than 600 can increase your premiums steeply.
  • Bundle your auto and home insurance: You can save on both types of insurance if you bundle both of them together.
  • Follow driving laws: Even something as simple as speeding tickets can increase the auto insurance premium for your Subaru WRX. Unpaid parking tickets, running red lights, speeding, reckless driving can all signal to your insurance company that you are a risky applicant.
  • Ask for relevant discounts: Insurance companies offer several kinds of discounts you can avail such as loyalty discounts, bundling discounts, senior citizen discounts, military veteran discounts, and more. Ask for relevant offers to lower your premium further.

How do I find the best Subaru WRX car insurance rates?

Don't settle for the first insurance offer you see - the best deals can only be found if you shop around and compare several deals!

Comparing free quotes from the best insurance companies allows you to pick and choose the offers that are best for your budget. Different companies use different methodologies to calculate the premium they offer you - what works with one may not work with the other.

Always compare as many insurance quotes as you can get before signing on for a Subaru WRX auto insurance policy. You can also ensure a spotless traffic record and ask for any type of discount that can help shave a few hundred dollars off your premium!

How to get Subaru WRX auto insurance with

Simply download the app or head to the website to start your auto insurance journey and get a free quote in just minutes! Compare offers from more than 150 different insurance providers on our platform, which lets you choose the best policy for your Subaru WRX - all in as little as 45 seconds!

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Questions (FAQ)

How much is car insurance for a Subaru WRX?

The auto insurance premium for a 2022 Subaru WRX will cost $2024/year. However, this can often increase or decrease depending on the trim level.

Is insurance on a Subaru WRX expensive?

The insurance on a Subaru WRX is only $113 higher than the national average premium for all cars. It is quite affordable to insure, with an average yearly premium costing around $1748/year.

Is a Subaru WRX a sports car for insurance?

Yes, for purposes of insurance, the Subaru WRX is categorised as a sports car.

How much is Subaru WRX Insurance for a 16-year-old?

The younger the driver, the higher will be the premium for your car. The auto insurance for a 16-year-old Subaru driver can be as expensive as $4000/year.

Is insurance cheaper on a used Subaru WRX?

Yes, older Subaru WRX models cheaper to insure. A 2018 Subaru will cost just $1410/year to insure compared to a 2022 model which costs $2024/year to insure.

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