Compare the Cost of Subaru WRX Insurance by Model Year and Company

Your age can significantly affect your auto insurance premium.

For example, MoneyGeek found that a 16-year-old who insures a 2009 Subaru WRX spends roughly $5,742 per year, while a 40-year-old only pays around $1,266 annually for the same full coverage policy. For a 2022 model, the average cost for a 16-year-old is $7,740 a year, whereas a 40-year-old pays $1,723 yearly.

Affordability is significant when purchasing auto insurance. However, MoneyGeek evaluated the best insurance providers for a Subaru WRX based on cost, customer service and claims management, as all factors are important when choosing which company’s policy to get.

It costs an average of $1,549 per year to insure a Subaru WRX. But note that your actual rate can be much higher or lower depending on the insurance company you purchase your policy from and other factors.

For instance, on average, State Farm offers the cheapest full coverage policy at $1,168 per year, while Farmers is the most expensive provider, with a policy cost of $1,932 per year.

For minimum coverage, GEICO is the most affordable company, charging an average annual premium of $471, whereas Farmers is again the least affordable provider at around $738 annually. That shows the importance of comparing quotes when looking for the cheapest car insurance.

Considered a high-performance sports car, the Subaru WRX has a moderate insurance cost, which makes it neither cheap nor expensive to insure compared to other car models.

It had a relatively low MSRP of $31,950 for a 2022 model year, considering it is a sports car, and an exceptional overall crash test rating. That indicates the Subaru WRX is very safe to drive, and its lower price point makes it less expensive to repair or replace than other sports cars, so insurers may not charge as high of a premium.

You should consider affordability, service quality and claims experience when choosing the best car insurer for a Subaru WRX. The following are the best auto insurance providers for a Subaru WRX:

• State Farm: MoneyGeek score of 90 out of 100 ($1,168 per year)
• GEICO: MoneyGeek score of 89 out of 100 ($1,206 per year)

State Farm came out ahead by offering the average cheapest full coverage rate alongside very good customer service. With this insurer, you may get the most affordable rate without sacrificing service quality.

Your Subaru WRX’s age does impact the average cost of car insurance. Because a car’s value depreciates over time, newer models are often more expensive to insure than older ones. For instance, a full coverage policy for a 2009 Subaru WRX costs around $1,266 per year, but it is roughly $457 more annually for a 2022 model at $1,723.

The average cost of car insurance for a Subaru WRX varies not only by model year but also by provider. MoneyGeek found GEICO is the cheapest insurer for a 2009 Subaru WRX, with full coverage costing around $1,008 per year. State Farm offers the lowest rate for the 2022 model, charging an annual rate of roughly $1,396.

Insurers look at several key factors, including age, when calculating your auto insurance premium. Car insurance for teens and young adults tends to be more expensive than for middle-aged drivers.

For example, the average annual rate for a 16-year-old with a Subaru WRX who purchases full coverage is around $6,798, but a 40-year-old driver with the same policy only spends roughly $1,495.

Keep in mind that teen car insurance gets cheaper each year and steadies once they reach their 20s.

MoneyGeek recommends investing time and effort to compare rates from different providers if you want to find the cheapest teen car insurance. To give you an idea of how much rates can vary, we found that 16-year-old drivers with a Subaru WRX may find the lowest full coverage rate from State Farm at around $3,772 per year. Progressive is the most expensive, at an average annual cost of $9,672.

The rates above are for a teen on an individual policy, but most teens under 18 cannot legally purchase car insurance without a parent or guardian as a co-signer. The best and cheapest option for a young teen is to be on a family policy, as the cost is substantially less.

Your auto insurance cost depends on your age, model type and year, but where you live may also impact how much you pay to insure a Subaru WRX.

Premiums differ in every state, with Idaho being the cheapest state to insure a car and New York being the most expensive. Use MoneyGeek’s recommendations to collect quotes from the cheapest companies in your state so you can spend less time shopping for car insurance for your Subaru WRX.

Many drivers looking to insure a Subaru WRX often have questions about cost and service quality. Here are MoneyGeek’s answers to the commonly asked ones.