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Subaru WRX insurance rates

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Average Subaru WRX insurance rates

According to our estimates, the average cost of auto insurance for a Subaru WRX is about $144 per month or $1,728 per year. That said, your price may be different depending on your annual mileage, driving history, location and many other factors. With so many providers and coverage options available, it’s important to compare your options to get the best value.

Companies that offer auto insurance for Subaru WRX

Name Product Roadside assistance New car protection
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
Allstate
Included free
Yes, cars under 2 years old
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

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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?

Insurance providers consider a number of variables when calculating your cost of insurance. While driver and location-specific factors can affect your chances of getting into an accident and the cost of repairs, your choice of vehicle has a much larger impact. 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. While the WRX is a sedan, it 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.

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Subaru WRX money-saving safety features

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

  • Airbags
  • Anti-lock brakes
  • Anti-theft device
  • Parking sensors
  • Surround view camera system
  • Daytime running lights
  • Electronic stability control
  • Seatbelt pretensioners
  • Rear backup sensors
  • Lane-departure warning systems
  • Adaptive cruise control

Does the Subaru WRX qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Subaru WRX:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

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Subaru WRX safety & reliability ratings

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.

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 6 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 3 years or 36,000 miles. It also comes with a 5-year/60,000 mile powertrain warranty, 3-year/36,000-mile Wear Item Limited Warranty, 5-year rust warranty and 3 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 7 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.

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About the Subaru WRX

Subaru WRX Insurance FinderThe 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.

Insurance companies determine the insurance cost for a Subaru WRX based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on your driving history and location. If you’re considering a Subaru WRX, grab quotes from several insurance companies to find the lowest premium possible before you commit. Do your research to see if you qualify for insurance discounts.

Subaru facts

  • Subaru was founded in 1953 and is known for manufacturing Japanese automobiles.
  • Subaru is a well-known brand for rally racing. Since 1973, Subaru vehicles have won 47 World Rally Championships.
  • Approximately 96 percent of Subaru cars that were built in the past 12 years are still working today.
  • Subaru uses a boxer engine layout in all their cars. The boxer engine makes for a safer and smoother ride.
  • Subaru base prices start at $19,000 and can go up to $27,000.

Subaru WRX price

A 2017 Subaru WRX starts at a base price of $26,695. With the average insurance rate at $1,728 per year, the annual insurance cost–to–base car price ratio is 6.5%.

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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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Frequently asked questions about the Subaru WRX

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