Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Subaru WRX? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Subaru WRX insurance facts

  • Average full coverage auto insurance premium: $148/month

  • Most affordable companies: Progressive ($66/month) & GEICO ($70/month)

  • WRX car insurance cost vs. average rate: $24 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Subaru WRX by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Subura WRX insurer costs by state:

Risk factors affecting Subaru WRX car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Subaru WRX car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Subaru models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Subaru Automobile Brand

Subaru is the 21st largest worldwide automobile manufacturer from Japan, selling to a small but devoted group of buyers in the United States market. The target market of Subaru is financially stable middle-aged couples with strong family values. All Volkswagen automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Outback, Forester, Impreza, and Crosstrek are some of their most popular vehicles.

Higher than average WRX repair costs equal higher car insurance rates

Many consumers are attracted to Subaru cars for the stability, safety ratings, and driver-assist technologies, such as the forward-collision warning system and their excellent all-wheel drive (AWD) system. Automotive parts are pretty common, but not as cheap as popular vehicles, like Toyota or Honda. Repairing a Subaru is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Subaru’s are going to have higher than average car insurance rates to similar vehicles in its class.

Fast depreciation for Subaru WRX affecting auto policies

Subarus have a higher than average depreciating value except for the Outback, according to Kelly Blue Book, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Subaru models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Subarus are known for their safety ratings, safety features, 5-star crash test ratings, and EyeSight driver-assist technologies, lowering car insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Subaru models. The Outback, WRZ, and Crosstrek are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Subaru top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Subaru automobile owners when buying a car insurance policy.

2021 Subaru WRX

Cheapest Insurance CompaniesAverage Annual Cost
Allied$2319
Allstate$1834
American Family$987
Amica$2416
Auto-Owners$2015
Direct Auto$1570
Erie$999
Farmers$1431
GEICO$835
Liberty Mutual$1103
Mercury$1782
MetLife$2280
Nationwide$1240
Progressive$802
Safe Auto$2048
State Farm$1328
Tennessee Farmers$1628
Travelers$1546
USAA$1081

Compare all 2021 Subaru WRX rates

Average Cost to Insure Per Year

$1780

List Price

$27495

Trims Available

Base - Premium - Limited - STI - STI Limited - STI Type RA - Premium - Limited - tS - Engine: 2.0-liter turbocharged flat-four-cylinder with 268 horsepower and 258 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2020 Subaru WRX

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1826
American Family$1135
Auto-Owners$2005
Erie$916
Farmers$1428
GEICO$812
Mercury$1753
MetLife$2278
Nationwide$1239
Progressive$790
Safe Auto$2036
State Farm$1326
Tennessee Farmers$1624
Travelers$1540
USAA$1070
Vermont Mutual$2136

Compare all 2020 Subaru WRX rates

Average Cost to Insure Per Year

$1768

List Price

$27495

Trims Available

Base - Premium - Limited - STI - STI Limited - STI Type RA - Premium - Limited - tS - Engine: 2.0-liter turbocharged flat-four-cylinder with 268 horsepower and 258 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2019 Subaru WRX

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1735
American Family$1129
Auto-Owners$1968
Direct Auto$1639
Erie$965
Farmers$1326
GEICO$897
Liberty Mutual$1030
MetLife$2216
Nationwide$1245
Progressive$820
Safe Auto$2031
State Farm$1290
Tennessee Farmers$1549
Travelers$1427
USAA$1065
Vermont Mutual$2154

Compare all 2019 Subaru WRX rates

Average Cost to Insure Per Year

$1713

List Price

$27195

Trims Available

Base - Premium - Limited - STI - STI Limited - STI Type RA - Premium - Limited - tS - Engine: 2.0-liter turbocharged flat-four-cylinder with 268 horsepower and 258 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2018 Subaru WRX

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1454
Acuity$ 1454
American Family$ 1530
American Family$ 1530
Country$ 1603
Country$ 1603
Erie$ 859
Erie$ 859
GEICO$ 948
GEICO$ 948
Nationwide$ 1374
Nationwide$ 1374
Plymouth Rock Insurance$ 1366
Plymouth Rock Insurance$ 1366
Progressive$ 1309
Progressive$ 1309
State Farm$ 1123
State Farm$ 1123
Tennessee Farmers$ 1446
Tennessee Farmers$ 1446
USAA$ 957
USAA$ 957
Vermont Mutual$ 1517
Vermont Mutual$ 1517

Compare all 2018 Subaru WRX rates

Average Cost to Insure Per Year

$ 1401

List Price

$ 26995

Trims Available

Base - Premium - Limited - STI - STI Limited - STI Type RA

2017 Subaru WRX

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1504
Acuity$ 1504
American Family$ 1662
American Family$ 1662
Country$ 1664
Country$ 1664
Erie$ 895
Erie$ 895
GEICO$ 1182
GEICO$ 1182
Nationwide$ 1620
Nationwide$ 1620
Plymouth Rock Insurance$ 1335
Plymouth Rock Insurance$ 1335
Progressive$ 1405
Progressive$ 1405
State Farm$ 1196
State Farm$ 1196
Tennessee Farmers$ 1345
Tennessee Farmers$ 1345
USAA$ 1069
USAA$ 1069
Vermont Mutual$ 1538
Vermont Mutual$ 1538

Compare all 2017 Subaru WRX rates

Average Cost to Insure Per Year

$ 2114

List Price

$ 26695

Trims Available

Base - Premium - Limited - STI - STI Limited

2016 Subaru WRX

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1601
Acuity$ 1601
American Family$ 1668
American Family$ 1668
Country$ 1723
Country$ 1723
Erie$ 864
Erie$ 864
GEICO$ 1302
GEICO$ 1302
Nationwide$ 1625
Nationwide$ 1625
Plymouth Rock Insurance$ 1297
Plymouth Rock Insurance$ 1297
Progressive$ 1338
Progressive$ 1338
State Farm$ 1294
State Farm$ 1294
Tennessee Farmers$ 1312
Tennessee Farmers$ 1312
USAA$ 998
USAA$ 998
Vermont Mutual$ 1632
Vermont Mutual$ 1632

Compare all 2016 Subaru WRX rates

Average Cost to Insure Per Year

$ 1965

List Price

$ 26595

Trims Available

Base - Premium - Limited - STI - STI Limited

2015 Subaru WRX

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1533
Acuity$ 1533
Allstate$ 1637
Allstate$ 1637
American Family$ 1617
American Family$ 1617
Erie$ 834
Erie$ 834
GEICO$ 1026
GEICO$ 1026
Nationwide$ 1551
Nationwide$ 1551
Plymouth Rock Insurance$ 1257
Plymouth Rock Insurance$ 1257
Progressive$ 1242
Progressive$ 1242
State Farm$ 1071
State Farm$ 1071
Tennessee Farmers$ 1522
Tennessee Farmers$ 1522
USAA$ 924
USAA$ 924
Vermont Mutual$ 1533
Vermont Mutual$ 1533

Compare all 2015 Subaru WRX rates

Average Cost to Insure Per Year

$ 1803

List Price

$ 26295

Trims Available

Base - Premium - Limited - STI - STI Launch Edition - STI Limited