Subaru WRX Insurance: Average Cost and Cheapest Insurers
Subaru WRX Insurance: Average Cost and Cheapest Insurers
The average insurance cost for a 2022 Subaru WRX is $2,244 per month for a full-coverage policy.
Find Cheap Subaru WRX Insurance Quotes
However, the price varies depending on whether you opt for the WRX, the high-performance WRX STI variant or the base model Impreza.
Additionally, drivers can save an average of 46% on Subaru WRX insurance by choosing State Farm, which is the cheapest insurer across the seven companies we analyzed.
How much is insurance for my Subaru WRX?
Who has the cheapest insurance for a Subaru WRX?
State Farm offers the cheapest car insurance quotes for Subaru WRX drivers. Across the five model years we studied, a minimum-coverage policy from State Farm costs $448 per year, on average. That's $313 cheaper than the average cost for a Subaru WRX.
Cost of Subaru WRX Insurance by Company
Minimum coverage
Full coverage
Minimum coverage
Full coverage
Find Cheap Subaru WRX Insurance Quotes
Drivers shopping for full-coverage insurance can also find the cheapest quotes from State Farm. A policy costs $1,448 per year — 50% cheaper than average.
Company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $448 | $1,448 |
| Allstate | $703 | $4,246 |
| Geico | $733 | $2,139 |
| Average | $761 | $2,913 |
| Progressive | $846 | $3,510 |
| Nationwide | $1,047 | $3,023 |
| Farmers | $1,071 | $4,027 |
| USAA* | $478 | $1,998 |
*Only military members and their families are eligible to purchase car insurance through USAA.
Is it cheaper to insure an older Subaru WRX?
The price of insuring a WRX doesn't change much over time. In fact, a full-coverage policy for a 2022 WRX is 5% less expensive than insurance for a 2018 model.
The most expensive WRX model year to insure is the 2021 edition, which costs an average of $3,052 per year to insure.
If you're looking to reduce the rate you pay on your WRX, one method is to increase your deductible for comprehensive and collision coverages, because a higher deductible will result in the insurance company paying you less money if you have an accident.
You could also consider removing comprehensive and collision from your policy altogether, as these coverages become less important as your car depreciates in value.
2022 Subaru WRX insurance
State Farm has the cheapest rates for 2022 Subaru WRX owners. A full-coverage policy costs $1,374 per year, which is $500 per year less than the next-cheapest insurer, Geico.
Company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $429 | $1,374 |
| Geico | $727 | $1,874 |
| Allstate | $765 | $3,977 |
*USAA car insurance is only available for members of the military and their families
Average insurance cost for a 2022 Subaru WRX
Minimum coverage: $796 per year
Full coverage: $2,693 per year
2021 Subaru WRX insurance
Owners of the 2021 Subaru WRX can find the cheapest quotes from State Farm. Full-coverage car insurance costs $1,535 per year, which is half as expensive as the average.
Company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $450 | $1,535 |
| Allstate | $589 | $4,681 |
| Geico | $727 | $2,290 |
*USAA car insurance is only available for members of the military and their families
Average insurance cost for a 2021 Subaru WRX
Minimum coverage: $777 per year
Full coverage: $3,052 per year
2020 Subaru WRX insurance
The cheapest rates for 2020 Subaru WRX insurance come from State Farm. A full-coverage policy costs $124 per month — $129 per month cheaper than average.
Company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $450 | $1,487 |
| Allstate | $694 | $4,491 |
| Geico | $727 | $2,208 |
*USAA car insurance is only available for members of the military and their families
Average insurance cost for a 2020 Subaru WRX
Minimum coverage: $766 per year
Full coverage: $3,036 per year
2019 Subaru WRX insurance
State Farm has the cheapest rates for people who drive a 2019 Subaru WRX. A full-coverage auto insurance policy costs $1,439 — 51% cheaper than average.
Company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $450 | $1,439 |
| Allstate | $694 | $4,221 |
| Geico | $742 | $2,186 |
*USAA car insurance is only available for members of the military and their families
Average insurance cost for a 2019 Subaru WRX
Minimum coverage: $711 per year
Full coverage: $2,951 per year
2018 Subaru WRX insurance
The most affordable quotes for 2018 Subaru WRX owners come from State Farm, where a full-coverage policy costs $1,404 per year, or $117 per month. That's $1,430 per year cheaper than average for this model year.
Company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $459 | $1,404 |
| Geico | $742 | $2,138 |
| Allstate | $772 | $3,862 |
*USAA car insurance is only available for members of the military and their families
Average insurance cost for a 2018 Subaru WRX
Minimum coverage: $755 per year
Full coverage: $2,834 per year
How do insurance costs of WRX, STI and Impreza compare?
Insurance for the more-powerful Subaru WRX STI costs $3,198 per year for a full-coverage policy — 8% more expensive than the same coverage for a standard WRX. The STI's upgraded engine, sport-tuned suspension and other design upgrades account for the higher insurance prices.
On the other hand, the cost to insure a Subaru Impreza, the base model upon which the WRX was originally designed, is just $2,242 per year — 24% cheaper than the WRX.
Model | Minimum coverage | Full coverage |
|---|---|---|
| Impreza | $718 | $2,242 |
| WRX | $762 | $2,968 |
| WRX STI | $740 | $3,198 |
Subaru WRX insurance for young drivers
Young drivers generally pay much more for car insurance than their older counterparts, and WRX drivers are no exception. Subaru WRX insurance for a 16-year-old costs $3,844 per year for minimum coverage — that's four times as expensive as the same coverage for a 30-year-old driver.
In comparison, an 18-year-old Subaru WRX driver can expect to pay $2,991 per year, while minimum-coverage insurance costs $1,419 per year for a 21-year-old driver, on average.
Cost of Subaru WRX Insurance by Driver Age
Age 16
Age 18
Age 21
State Farm offers the cheapest quotes for a 16-year-old Subaru WRX driver. At $158 per month, a minimum-coverage policy from State Farm costs 51% less than average.
Drivers who have family members in the military should also consider getting a quote from USAA — a policy costs $110 per month, which is $210 per month cheaper than average.
Age 16
State Farm offers the cheapest quotes for a 16-year-old Subaru WRX driver. At $158 per month, a minimum-coverage policy from State Farm costs 51% less than average.
Drivers who have family members in the military should also consider getting a quote from USAA — a policy costs $110 per month, which is $210 per month cheaper than average.
Age 18
State Farm offers the most affordable insurance for 18-year-old Subaru WRX drivers at $127 per month for a minimum-coverage policy. That's $122 per month less expensive than the average rate.
Drivers who are active-duty military or have family members that have served should compare quotes from USAA. At $82 per month, a minimum-coverage policy is 67% cheaper than average.
Age 21
The cheapest quotes for 21-year-old Subaru WRX drivers come from State Farm, where a minimum-coverage policy costs $77 per month. That's 35% cheaper than average.
Find Cheap Subaru WRX Insurance Quotes
Average annual minimum-coverage rates
Company | 16 year old | 18 year old | 21 year old |
|---|---|---|---|
| State Farm | $1,891 | $1,524 | $922 |
| Geico | $2,097 | $1,585 | $975 |
| Average | $3,844 | $2,991 | $1,419 |
| Nationwide | $4,656 | $4,575 | $2,013 |
| Progressive | $4,703 | $3,885 | $1,702 |
*USAA car insurance is only available to military members, veterans and their families.
Rates for young drivers vary greatly between insurance companies. There's a difference of $5,178 per year between the most and least expensive insurers for 16-year-old drivers, which is why it's even more important for these drivers to compare car insurance rates from multiple companies before purchasing a policy.
Frequently asked questions
How much does it cost to insure a Subaru WRX?
The average cost of full-coverage car insurance for a Subaru WRX is $243 per month over the five model years we studied. Conversely, minimum-coverage insurance costs $63 per month, on average.
How much is insurance for a Subaru Impreza?
Full-coverage car insurance rates for a Subaru Impreza are $187 per year, on average. In comparison, a minimum-coverage policy costs $60 per month.
How much is insurance on a Subaru WRX STI?
Subaru STI insurance costs $267 per month for a full-coverage policy and $62 per month for minimum coverage, on average.
Is WRX insurance expensive?
Yes, Subaru WRX insurance is expensive compared to other sports cars. The average cost of full-coverage insurance for a car with a zero-to-60 time of less than five seconds is $2,894 per year. In comparison, the WRX has a zero-to-60 speed of 5.2 seconds, and insurance costs $19 more per year, on average.
Methodology
We collected quotes for the Subaru WRX, WRX STI and Impreza for the 2018-22 model years. We gathered rates for ZIP codes across Texas from seven major insurance companies: Allstate, Farmers, Geico, Nationwide, Progressive, State Farm and USAA.
Quotes are based on a 30-year-old male driver with a clean driving record and an average credit score, except where noted in our study. All insurance quotes include the following coverages:
Coverage | Minimum coverage | Full coverage |
|---|---|---|
| Bodily injury liability (BI) | $30,000/$60,000 | $50,000/$100,000 |
| Property damage liability (PD) | $25,000 | $25,000 |
| Uninsured motorist / underinsured motorist BI | Waived | $50,000/$100,000 |
| Comprehensive | Waived | $500 deductible |
| Collision | Waived | $500 deductible |
Quadrant Information Services supplied ValuePenguin with the rate data used in this analysis. Quotes were publicly sourced from insurer filings and are intended for comparative purposes only. Your own quotes will likely differ.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.