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

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Updated: January 15, 2025

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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.

Key Takeaways

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When it comes to insuring a Subaru WRX, affordability is a key consideration. The cheapest insurers for both full and minimum coverage for a Subaru WRX offer rates that can help you find budget-friendly options without compromising on service quality.

Cheapest Full Coverage Insurers:

- State Farm: Known for affordability, State Farm provides the cheapest full coverage for a Subaru WRX at $1,168 per year. It also scores high in customer service, with a MoneyGeek score of 90 out of 100, making it a great choice for balancing cost and quality.

- GEICO: Another highly rated provider is GEICO, offering full coverage for $1,206 per year. With a MoneyGeek score of 89, GEICO is a competitive option in terms of both cost and service.

Cheapest Minimum Coverage Insurers:

- GEICO: For minimum coverage, GEICO leads the way as the most affordable insurer, charging an average annual premium of $471. This highlights GEICO’s commitment to offering economic options for drivers seeking basic coverage.

Important Considerations:

Age Impact: Insurance costs can vary significantly with age. For instance, a 16-year-old driver pays much more than a 40-year-old, with average costs of $6,798 and $1,495 respectively for full coverage.

Model Year Impact: The year of your Subaru WRX also affects the cost. A newer 2022 model is generally more expensive to insure compared to a 2009 model, with premiums being $1,723 versus $1,266 annually for full coverage.

High Risk for Teens: Insuring a teen is particularly costly, but State Farm offers a more affordable option for 16-year-old drivers at $3,772 per year compared to Progressive’s higher rate of $9,672.

Regional Differences: Be aware that your location can also influence the rates, with substantial differences from state to state.

When shopping for car insurance, it's crucial to compare providers to find the best mix of affordability, service quality, and claims management. In the case of the Subaru WRX, State Farm and GEICO stand out as top recommendations for cost-effective coverage.

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Based on the provided information, the best car insurance provider for a Subaru WRX, factoring in both cost and service quality, is State Farm. They have a MoneyGeek score of 90 out of 100 and offer competitive pricing. For a full coverage policy, State Farm charges an average of $1,168 per year, making it the most affordable option without compromising on customer service or claims management. 

GEICO is another strong contender with a MoneyGeek score of 89 out of 100 and an annual premium of $1,206, but it is slightly more expensive than State Farm. 

Overall, State Farm stands out as the most cost-effective choice for insuring a Subaru WRX when evaluating both affordability and service quality.

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Age is a significant factor when it comes to determining car insurance premiums. Younger drivers, particularly teenagers, tend to pay considerably higher premiums compared to middle-aged drivers. This is largely due to the increased risk associated with younger drivers who generally have less experience on the road. As drivers age and gain more experience, this risk decreases, and consequently, insurance premiums tend to go down.

Example: Insurance Premiums for a Subaru WRX

Looking at the Subaru WRX as an example:

1. 2009 Subaru WRX:
- A 16-year-old driver pays approximately $5,742 annually for full coverage.
- A 40-year-old driver pays around $1,266 annually.
- As seen here, the premiums drop substantially with age due to increased driving experience and reduced risk.

2. 2022 Subaru WRX:
- A 16-year-old pays about $7,740 annually.
- A 40-year-old pays around $1,723 annually.
- Though the gap in premiums remains consistent, newer car models tend to be more expensive to insure due to their higher value and replacement costs.

Premium Trends Over Time

Insurance for teens is typically expensive, but it decreases each subsequent year as they age and continues to stabilize in their 20s. For instance, an average annual rate for a 16-year-old with a Subaru WRX is approximately $6,798, compared to $1,495 for a 40-year-old.

Insurance Providers and Costs

- State Farm offers the most competitive rates for full coverage, averaging $3,772 for a 16-year-old driver for a Subaru WRX. In contrast, Progressive is the most expensive for young drivers, costing roughly $9,672 annually.
- For full coverage of a 2022 Subaru WRX, State Farm provides the lowest rates at around $1,396 for a 40-year-old.

Factors Affecting Premiums Beyond Age:

- Model Year: Newer car models are typically more expensive to insure due to higher value and potential repair costs. For example, while a 2009 WRX costs about $1,266 for a 40-year-old to insure, a 2022 model is approximately $1,723.
- Location: Where you live also affects your premium. Some states have higher insurance costs due to factors like traffic density or the incidence of accidents and theft.
- Insurance Provider: Shopping around is essential as different providers offer varying rates. State Farm and GEICO are highlighted as having competitive costs and service quality.

In summary, while age plays a significant role in determining car insurance premiums, it's crucial to consider additional factors such as the model year, location, and insurance provider. As drivers age, premiums generally decrease, stabilizing further when they reach their 20s and 30s, making age a pivotal element of insurance cost analysis.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Subaru WRX.

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These rates were updated to reflect the average cost of car insurance for a Subaru WRX as of 2023.

10Companies Compared
 
41,832Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Subaru WRX

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.

Data filtered by:Results filtered by:
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Age:40
Select
Coverage:Full Coverage
State Farm$1,168
GEICO$1,206
Travelers$1,380
Allstate$1,530
Nationwide$1,547
Progressive$1,695
Farmers$1,932

Is a Subaru WRX Expensive to Insure?

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.

Best Companies for Insuring a Subaru WRX

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.

MoneyGeek Top Pick: State Farm

State Farm

pros

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Cheapest average rate for full coverage of the companies in our study

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Ranked second in customer satisfaction

cons

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Below-average rating for claims management

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No original equipment manufacturer (OEM) coverage or gap insurance

COMPANY HIGHLIGHTS

State Farm offers the cheapest average full coverage rate for a Subaru WRX and also has a strong reputation for delivering a top-notch customer experience.

State Farm has a very short list of options for coverages, but most drivers will find good value from its basic add-ons. Roadside assistance, which includes locksmith services, mechanical labor, towing and locksmith services, and takes care of the delivery of tires, a battery, gas or oil, is a good choice for anyone that wants help during a car breakdown.

Consider purchasing rental car coverage on your State Farm policy to further dial up your protection. With this add-on, you’ll receive a rental car if your car is involved in a covered accident (up to policy limits) and may get up to $500 in travel expenses, including meals, lodging and other transportation costs, if your car gets damaged in a covered accident.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

GEICO

pros

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Second-highest in affordability

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Provides good customer service

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Offers roadside assistance, accident forgiveness and mechanical breakdown insurance as add-ons

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Below-average claims management rating

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No original equipment manufacturer (OEM) coverage

COMPANY HIGHLIGHTS

GEICO is the next-best option for drivers with a Subaru WRX. This insurer provides good service and an affordable full coverage premium.

It offers the second-cheapest rate out of seven providers, and policyholders could purchase a few useful add-on coverages. GEICO has mechanical breakdown insurance (MBI), which covers all of your car’s parts and systems at a very low cost compared to a typical dealer’s extended warranty. To qualify, you must have a new or leased car that’s less than 15 months old and has less than 15,000 miles.

GEICO’s roadside assistance coverage can be a lifesaver for many drivers. It pays for the cost of flat tires, towing, jumpstarts and lockout services. You may also purchase or earn GEICO’s accident forgiveness coverage, which ensures that you won’t face an increase in your premium after your first at-fault accident. Accident forgiveness is not available in every state.

Cost of Insuring a Subaru WRX by Model Year

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.

Data filtered by:Results filtered by:
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Age:40
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Coverage:Full Coverage
2022$1,723
2021$1,710
2020$1,659
2019$1,660
2018$1,634
2017$1,563
2016$1,545
2015$1,500
2014$1,413
2013$1,378
2012$1,317
2011$1,274
2010$1,283
2009$1,266

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.

Data filtered by:Results filtered by:
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Model Year:2022
Select
Age:40
Select
Coverage:Full Coverage
State Farm$1,396
GEICO$1,398
Nationwide$1,561
Travelers$1,563
Progressive$2,001
Allstate$2,046
Farmers$2,176

Cost of Insuring a Subaru WRX for 16- to 25-Year-Olds

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.

Data filtered by:Results filtered by:
Select
Coverage:Full Coverage
16$6,798
17$5,558
18$4,906
19$3,392
20$3,077
21$2,370
22$2,194
23$2,043
24$1,942
25$1,743

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.

Data filtered by:Results filtered by:
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Age:16
Select
Model Year:2022
Select
Coverage:Full Coverage
State Farm$4,546
Nationwide$6,433
GEICO$6,474
Travelers$6,505
Allstate$8,928
Farmers$10,130
Progressive$11,605

How Does Location Affect the Cost of Subaru WRX Insurance?

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.

Data filtered by:Results filtered by:
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Age Group:30-59
Select
Coverage:Full Coverage
AlabamaNationwide$709$59
AlaskaState Farm$699$58
ArizonaRoot Insurance Company$682$57
ArkansasState Farm$629$52
CaliforniaAAA California$1,001$83
ColoradoAmerican National P&C$541$45
ConnecticutGEICO$693$58
DelawareState Farm$881$73
District of ColumbiaGEICO$662$55
FloridaState Farm$1,058$88
GeorgiaCountry Financial$665$55
HawaiiGEICO$565$47
IdahoAmerican National P&C$299$25
IllinoisCountry Financial$663$55
IndianaAmerican Family$555$46
IowaState Farm$509$42
KansasNationwide$670$56
KentuckyNationwide$790$66
LouisianaLouisiana Farm Bureau$1,048$87
MaineConcord Group$521$43
MarylandProgressive$938$78
MassachusettsState Farm$483$40
MichiganGEICO$898$75
MinnesotaState Farm$797$66
MississippiDirect General Insurance$723$60
MissouriNationwide$909$76
MontanaProgressive$437$36
NebraskaAmerican National P&C$405$34
NevadaCSAA$940$78
New HampshireState Farm$540$45
New JerseyPlymouth Rock Assurance$895$75
New MexicoState Farm$644$54
New YorkKemper$781$65
North CarolinaErie$630$52
North DakotaAmerican Family$616$51
OhioNationwide$485$40
OklahomaState Farm$662$55
OregonState Farm$706$59
PennsylvaniaNationwide$580$48
Rhode IslandState Farm$700$58
South CarolinaAmerican National P&C$463$39
South DakotaAllstate$746$62
TennesseeState Farm$579$48
TexasState Farm$699$58
UtahNationwide$725$60
VermontState Farm$493$41
VirginiaAmerican Family$601$50
WashingtonPEMCO$534$44
West VirginiaErie$784$65
WisconsinGEICO$556$46
WyomingState Farm$745$62

Frequently Asked Questions About Subaru WRX Insurance

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.

What company has the cheapest car insurance for a Subaru WRX?

What company offers the best car insurance for a Subaru WRX?

About Mark Fitzpatrick

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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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