Subaru WRX Insurance: Average Cost and Where It's Cheapest

Find the Cheapest Auto Insurance Quotes in Your Area

Currently insured?
{"id":6,"isAgeFieldVisible":true,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"customEventLabel":"","defaultZip":"","defaultProduct":"auto","quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","trackingKey":"_subaru-wrx-car-insurance","title":"Find the Cheapest Auto Insurance Quotes in Your Area","vendor":"vp"}

The average cost to insure a Subaru WRX is $1,666 for a six-month policy. However, the price varies depending on whether you opt for a WRX, its extra-high performance WRX STI variant, or the base model Impreza the WRX came from. We also found that WRX owners can save up to 46% by going with Progressive, which is the cheapest insurer for a Subaru WRX.

How do insurance costs of WRX, STI and Impreza compare?

Insurance for the more-powerful Subaru WRX STI costs $1,832 for a six-month policy—that's 10% more than a standard WRX. The WRX's upgraded engine, sport-tuned suspension and other design changes account for the higher cost to insure.

Conversely, the cost to insure a Subaru Impreza, the base model upon which the WRX was originally designed, is just $1,294—22% less than the WRX.

Column chart showing the relative costs to insure a Subaru WRX, WRX STI and Subaru Impreza
ModelSix-month cost of insuranceMSRP
WRX$1,666$27,195
STI$1,832$36,595
Impreza$1,294$18,595

Is it cheaper to insure an older WRX?

We found that the price of insuring a WRX doesn't change much over time. While the cost of insurance does decrease for some car models as the vehicle gets older, the price to insure a 2019 WRX AWD is only 16% more expensive than a 2014 model.

Line graph showing the changes in price for older WRX models

Furthermore, the most expensive WRX model year to insure is actually the 2017 edition, which costs an average of $1,836 to insure for six months.

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, or remove them from your policy altogether. These coverages become less important as your car depreciates in value, even though the cost of coverage decreases.

However, many lenders require borrowers to maintain comprehensive and collision coverages. If you finance or lease your car, check whether you're obligated to have this coverage.

Who has the cheapest insurance for a Subaru WRX?

We looked at six major insurance companies and found that Progressive charges an average of $896 for six months of coverage, which is 46% cheaper than the overall average price. Progressive also gave us the lowest price for every model year between 2014 and 2018.

However, if you're looking for a policy for a brand-new WRX, you may find a better price with State Farm. It offered us the lowest price for 2019 WRX insurance.

Column chart showing the cost differences between the cheapest and most expensive insurance companies for a Subaru WRX

Farmers offered the highest prices for Subaru WRX coverage, with an average price of $2,871—that's more than three times more expensive than Progressive. We always recommend you check with several insurers when buying coverage, in order to find the Who has the best cheap car insurance?.

Cost to insure Subaru WRX vs. competitors: Golf GTI, Audi A3 and Focus ST

The cost to insure a Subaru WRX is slightly higher than competing sport-compact cars. We found that the newest versions of the Volkswagen Golf GTI, Audi A3 2.0T and Ford Focus ST were all between 4% and 14% cheaper to insure than the WRX base model, with the Focus ST being the cheapest to insure.

Car model

Six-month cost of insuranceMSRP
2019 Subaru WRX AWD$1,754$27,195
2019 Volkswagen Golf GTI S/SE$1,502$31,795
2019 Audi A3 2.0T Premium$1,689$32,500
2018 Ford Focus ST$1,444$25,170

The Ford Focus was discontinued for the 2019 model year, so the 2018 Focus ST was used instead.

Methodology

We collected quotes for the Subaru WRX, WRX STI and Impreza for the 2014–2019 model years from six major insurance companies: Allstate, Farmers, GEICO, Liberty Mutual and State Farm. We also gathered quotes for the most recent models available of the Volkswagen Golf GTI, Audi A3 and Ford Focus ST.

Our male 30-year-old sample driver lives in the San Antonio area, has been driving since he was 16 and has a clean driving record. All insurance quotes include the following coverages:

CoverageLimit
Liability, bodily injury$50,000/$100,000
Property damage liability$50,000.00
Uninsured motorist / Underinsured motorist BINo coverage
Uninsured motorist / Underinsured motorist PDNo coverage
Medical coverageNo coverage
Personal injury protectionNo coverage
Comprehensive$500 deductible
Collision$500 deductible
All other coverages (e.g., towing and loss of use)No coverage

MSRPs in the article are accurate as of the date of publishing.

Comments and Questions

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.