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Subaru WRX insurance rates

Average insurance cost for your WRX? $199. But you can go even cheaper — see Geico’s rates.

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How to compare insurance for the Subaru WRX

Shopping for auto insurance can be frustrating, and that’s before you even start to work out the cost. After budgeting for monthly car payments, repair bills, gas, and other expenses, auto insurance premiums are the last thing you want to think about. But the reality is that coverage is mandatory in almost every state, so you don’t have much of a choice.

Besides, auto insurance can protect your vehicle from the unexpected and provide peace of mind on and off the road. So while you won’t be able to avoid buying coverage, you can reduce the cost if you play your cards right. Here’s what you need to know:

  • Price. Since policies can differ depending on provider, location and other factors, it’s important to use the same details for every quote. This will allow you to compare similar policies and prices.
  • Deductible. Policies with higher deductibles often have lower premiums, whereas policies with lower deductibles have higher premiums. Choose an amount that fits into your budget.
  • Minimum coverage. Minimum coverage requirements vary by state, so you’ll need to verify that your desired policy meets your state’s mandatory minimums.
  • Additional coverage. Consider opting for additional coverage when shopping for insurance. If you do, make sure to include your choice when getting quotes to get more accurate estimates.
  • Extras. You may come across extras like accident forgiveness or vanishing deductible when you shop for insurance. Consider whether or not these extra features are worth paying for.
  • Restrictions. Find out if any restrictions apply to your policy to avoid gaps in coverage or denied claims.
  • Manufacturer offer or loyalty discount. Find out if your manufacturer has any special offers or loyalty discounts through partnerships with insurance providers.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

What factors affect car insurance rates for Subaru WRX?

Since auto insurance is situational, it’s hard to say which insurance company is best for the Subaru WRX. Your premiums are influenced by your driving history, vehicle, location and other factors. Here’s how the WRX measures up to other vehicles in terms of insurance costs.

  • Body type. The Subaru WRX is a sedan, best suited for commuting and other low-risk driving, which should reduce the overall cost of insurance.
  • Type of car. The WRX comes with a powerful engine and sports tuning that could allow for higher-risk driving activities. This may increase the cost of coverage.
  • Theft. The WRX is a sedan, which is the most frequently stolen type of vehicle. This could increase the cost of insurance.
  • Repairs. The WRX has fairly high repair costs, which could add up if you put a lot of wear and tear on your vehicle. With that in mind, insurance costs might be above average.
  • Safety ratings. The Subaru WRX has near-perfect ratings for crashworthiness, which could reduce the overall cost of insurance.
  • Fuel type. Gas vehicles cost less to insure than diesel and hybrid vehicles. Since the WRX runs on gas, premiums may be lower.
  • Trim & packages. Choosing trims or packages that increase power or overall value may lead to higher premiums. That said, options that improve visibility and safety may be eligible for auto insurance discounts.

Does the Subaru WRX qualify for auto insurance discounts?

You could save money on car insurance for your Subaru WRX if it comes equipped with these safety features.

  • New car discount
  • Antilock brake discount
  • Antitheft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

Subaru WRX safety and reliability ratings

The Subaru WRX has been around since 1992 and it is currently in its fifth generation. The compact car is known for its strong engines and sharp handling. The Subaru WRX is a high-performance variant of the company’s Impreza model.

The 2018 Subaru holds a perfect 10/10 score for safety, according to U.S. News and J.D. Power. This vehicle also received near-perfect ratings in almost every crash test category and the Top safety pick from the IIHS.

U.S. News and J.D. Power give the 2018 WRX a below average 2.5/5 stars for reliability. This could be due to above average frequency of repairs and high average repair costs.

While the WRX was developed as a performance vehicle, it has great safety features and crash test ratings, meaning you should be able to find coverage from any major provider. That said, you may end up paying more for repairs and maintenance due to its lackluster reliability.

Subaru WRX maintenance

The Subaru WRX was initially designed as a rally car, meaning it was built with performance in mind. These vehicles are below average in terms of reliability and may require frequent maintenance if you are taking it off road or putting it through intensive driving.

But even if your WRX is treated properly, it’s important that you bring it in for routine maintenance to ensure everything is running smoothly. Here’s what you need to know.

  • Subaru Recommends service appointments every six months or 6,000 miles, whichever comes first. The first appointment includes replacing the engine oil and filter, inspecting various components and servicing the battery.
  • Oil changes should cost between $75 and $150, but your price may vary depending on the repair shop you visit.
  • The WRX has an average annual repair cost of over $650, which is above average for similar vehicles.
  • Subaru suggests that owners have their WRX serviced every 6,000 miles or 6 months, whichever comes first. Speak to your dealer or consult your owner’s manual to find out what each service includes.

Is an extended warranty worth it for the Subaru WRX?

The WRX is backed by Subaru’s New Car Limited Warranty, which covers defective OEM parts and service for three years or 36,000 miles. It also comes with a five-year/60,000 mile powertrain warranty, three-year/36,000-mile Wear Item Limited Warranty, five-year rust warranty and three years/36,000 miles of roadside assistance.

Added Security is Subaru’s lineup of extended service agreements and maintenance plans. They are available in terms of up to seven years/100,000 miles. Contact your dealership for full coverage details on each of these plans. Subaru’s hold lower reliability ratings than most cars and are designed for performance, so you may want to consider one of the plans.

Bottom line

Initially designed as a rally car, the WRX (World Rally eXperimental) is a four-door performance sedan. Although it’s equipped with a suite of great safety and driver assistance features, the WRX is quite unreliable. Maintenance is needed more frequently than similar vehicles and repair costs may be high. That said, you should Compare your options to find the best coverage for your Subaru WRX.

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