The annual cost of full coverage insurance for a Subaru WRX ranges from $1,065 to $6,529. Rates vary widely based on the car's model year, driver age, address, driving record, coverage level and insurer. This article breaks down Subaru WRX insurance costs, offering insights into the best and affordable options.
Subaru WRX Insurance Cost
Updated: April 14, 2025
Key Takeaways
GEICO offers the most affordable annual rates for minimum coverage across all Subaru WRX model years, averaging $463.
Subaru WRX owners can expect to pay an average of $584 annually for minimum coverage and $1,497 for full coverage.
MoneyGeek analyzed data and 4,183 quotes for a Subaru WRX from Quadrant Information Services to provide these insights.
Subaru WRX Insurance Rates
What Is the Average Subaru WRX Car Insurance Cost?
A Subaru WRX's average cost of full coverage insurance is $125 per month or $1,497 per year, based on a 40-year-old male with a clean driving record. Minimum coverage costs roughly $49 per month or $584 per year.
| Minimum Coverage | $584 |
| Full Coverage | $1,497 |
Subaru WRX Insurance Costs by Company
Subaru WRX insurance costs range from $1,102 to $2,154 annually, depending on age, model year and coverage level. The table below compares average Subaru WRX insurance rates with the averages for all vehicles from several national and midsize providers.
| Allstate | $1,596 | $1,812 | -12% |
| Auto-Owners | $1,245 | $1,226 | 2% |
| Farmers | $2,049 | $1,953 | 5% |
| GEICO | $1,221 | $1,333 | -8% |
| Kemper | $2,154 | $2,211 | -3% |
| Nationwide | $1,654 | $1,586 | 4% |
| Progressive | $1,734 | $1,742 | 0% |
| State Farm | $1,198 | $1,269 | -6% |
| Travelers | $1,426 | $1,521 | -6% |
| USAA | $1,102 | $1,200 | -8% |
Read more: Best Car Insurance Companies
Cost of Insuring a Subaru WRX by Model Year
The year your Subaru WRX was produced affects your insurance rates, with older models typically being cheaper. For instance, a 2022 model's full coverage costs $1,708 annually, while a 2009 model costs $1,242. Find the average full and minimum coverage rates for every production year below.
| 2022 | $610 | $1,708 |
| 2021 | $599 | $1,708 |
| 2020 | $583 | $1,685 |
| 2019 | $613 | $1,669 |
| 2018 | $619 | $1,645 |
| 2017 | $593 | $1,604 |
| 2016 | $613 | $1,561 |
| 2015 | $608 | $1,519 |
| 2014 | $577 | $1,451 |
| 2013 | $591 | $1,383 |
| 2012 | $580 | $1,314 |
| 2011 | $560 | $1,291 |
| 2010 | $585 | $1,266 |
| 2009 | $586 | $1,242 |
Subaru WRX Insurance Costs by Driver Age
Subaru WRX insurance rates vary significantly based on a driver's age. For example, 40-year-olds pay around $1,503 annually for full coverage, while 16-year-olds pay $6,529. Below are the average full and minimum coverage rates for drivers of different ages.
| 16 | $2,713 | $6,529 |
| 17 | $2,219 | $5,347 |
| 18 | $1,941 | $4,730 |
| 19 | $1,376 | $3,371 |
| 20 | $1,236 | $3,068 |
| 21 | $984 | $2,475 |
| 22 | $899 | $2,274 |
| 23 | $835 | $2,124 |
| 24 | $792 | $2,021 |
| 25 | $694 | $1,790 |
| 26 | $676 | $1,747 |
| 27 | $660 | $1,708 |
| 28 | $649 | $1,682 |
| 29 | $640 | $1,657 |
| 30 | $617 | $1,591 |
| 35 | $600 | $1,536 |
| 40 | $594 | $1,503 |
| 45 | $588 | $1,479 |
| 50 | $574 | $1,430 |
| 55 | $559 | $1,386 |
| 60 | $559 | $1,381 |
| 65 | $596 | $1,430 |
| 70 | $647 | $1,531 |
| 75 | $717 | $1,678 |
| 80 | $811 | $1,867 |
| 85 | $876 | $2,000 |
| 90 | $924 | $2,096 |
Subaru WRX Insurance Rates Explained
Your car insurance rates depend on your driver profile and your vehicle. Below is a breakdown of vehicle-related factors that affect insurance costs.
Subaru WRX Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Subaru WRX
Average Full Coverage Rate
$1,497Premiums for Subaru WRX are:$201 more
This is 16% more expensive.
Value
The Subaru WRX has an MSRP of $45,335, classifying it as a performance vehicle. Its high price may result in higher insurance premiums due to increased risk.
Repair costs
The Subaru WRX has an annual repair cost of $682, below the national average. Lower repair expenses can help reduce insurance premiums.
Performance
The Subaru WRX, with 271 horsepower and a 0-to-60 time of 5.4 seconds, is a high-performance vehicle. Insurers often charge higher premiums due to the increased risk associated with such performance metrics.
Vehicle age
Newer Subaru WRX models are typically more expensive to insure than older ones. However, collector and classic vehicles can also be costly.
Safety features
The Subaru WRX includes safety features like stability control, airbags and antilock brakes, which can lower accident risk and help qualify for insurance discounts.
Vehicle size
The Subaru WRX, a midsize vehicle weighing 3,569 lbs, may have slightly higher insurance costs due to potential property damage risks.
Trim level
Higher trim levels of the Subaru WRX come with premium upgrades, raising the MSRP and resulting in higher insurance costs than the base model.
Theft rates
Vehicles with higher theft rates often have increased insurance costs. The Subaru WRX's moderate theft rate could slightly raise premiums.
Cheapest Subaru WRX Insurance
GEICO offers the cheapest Subaru WRX insurance at $463 per year, based on a 40-year-old male with a clean driving record. Below is a breakdown of the most affordable car insurance for different coverage levels, age groups, driving records, model years and more.
Cheapest Subaru WRX Insurance by Coverage Level
The coverage level you select greatly influences your Subaru WRX insurance rate. For minimum coverage, GEICO offers the lowest average rate. State Farm provides the most affordable full coverage. Below is a breakdown of the cheapest providers for both types.
Cheapest Subaru WRX Minimum Coverage
GEICO offers the cheapest minimum coverage for a Subaru WRX at $39 per month, followed by State Farm at $40, Travelers at $45, and Allstate and Progressive both at $54.
| USAA | $33 | $395 |
| GEICO | $39 | $463 |
| State Farm | $40 | $482 |
| Travelers | $45 | $543 |
| Progressive | $54 | $651 |
| Allstate | $54 | $651 |
| Nationwide | $56 | $671 |
| Farmers | $59 | $704 |
*GEICO offers non-military-affiliated Subaru WRX owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Subaru WRX Insurance Rates by Model Year
Since the above list doesn't include model years, you might find lower rates depending on your vehicle's age. To find the most affordable minimum coverage rates for every Subaru-WRX production year, filter the table below.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $665 | $55 |
| Farmers | $687 | $57 |
| GEICO | $463 | $39 |
| Nationwide | $615 | $51 |
| Progressive | $640 | $53 |
| State Farm | $482 | $40 |
| Travelers | $581 | $48 |
| USAA | $395 | $33 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Subaru WRX Insurance
State Farm offers the cheapest Subaru WRX full coverage insurance at $98 monthly or $1,171 annually. Below is the complete list of affordable full coverage providers and rates.
| USAA | $89 | $1,065 |
| State Farm | $98 | $1,171 |
| GEICO | $100 | $1,200 |
| Travelers | $117 | $1,409 |
| Allstate | $128 | $1,532 |
| Nationwide | $129 | $1,551 |
| Progressive | $141 | $1,686 |
| Farmers | $159 | $1,910 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Subaru WRX owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Subaru WRX Insurance by Age
Young drivers aged 16 to 25 and seniors 55+ often face higher Subaru WRX insurance costs. Below is a breakdown of the cheapest options by age.
Cheapest Subaru WRX Insurance for Young Drivers
State Farm offers the cheapest Subaru WRX insurance for drivers aged 16 to 25 at $88 monthly or $1,059 annually for minimum coverage. Below is the complete list of affordable car insurance options for young adults.
| USAA | $68 | $818 |
| State Farm | $88 | $1,059 |
| GEICO | $91 | $1,087 |
| Travelers | $94 | $1,126 |
| Allstate | $122 | $1,469 |
| Nationwide | $148 | $1,778 |
| Farmers | $157 | $1,878 |
| Progressive | $160 | $1,915 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Subaru WRX Insurance for Seniors
State Farm offers the cheapest car insurance for seniors, starting at $44 monthly or $531 annually. Below is a table showing affordable insurers for Subaru WRX drivers.
| USAA | $44 | $525 |
| State Farm | $44 | $531 |
| GEICO | $46 | $550 |
| Travelers | $54 | $650 |
| Allstate | $66 | $789 |
| Nationwide | $66 | $789 |
| Progressive | $68 | $810 |
| Farmers | $78 | $934 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Subaru WRX Insurance After an Accident
For Subaru WRX drivers, State Farm, GEICO and Travelers are the most affordable car insurance companies after an accident. Check out the complete list below for more options.
| USAA | $50 | $600 |
| State Farm | $50 | $604 |
| GEICO | $60 | $725 |
| Travelers | $64 | $765 |
| Allstate | $74 | $886 |
| Nationwide | $86 | $1,035 |
| Progressive | $89 | $1,063 |
| Farmers | $113 | $1,357 |
*State Farm provides the lowest rates for non-military-affiliated, at-fault Subaru WRX drivers. USAA is the most affordable option for military-affiliated drivers.
Subaru WRX Insurance Cost: Bottom Line
Regularly comparing car insurance rates helps you find the cheapest options. This article covers Subaru WRX insurance, analyzing costs across different demographics and identifying the most affordable providers.
Subaru WRX Insurance Rates: FAQ
Below are answers to common questions about Subaru WRX insurance costs, including minimum coverage and how to find affordable plans.
What company has the cheapest car insurance for a Subaru WRX?
GEICO is the most affordable option for insuring a Subaru WRX, with an annual minimum coverage rate of $463.
What is the average cost of car insurance for a Subaru WRX?
The average annual insurance rate for a Subaru WRX is $584 for minimum coverage and $1,497 for full coverage.
Subaru WRX Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Subaru WRX insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Subaru WRX:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Subaru WRX insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Subaru WRX.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.