Subaru WRX Car Insurance Quotes (2025)
Subaru WRX drivers pay an average of $177 per month for car insurance.
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Written bySarah Sharkey
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A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
Subaru WRX drivers pay an average of $123 per month for liability-only coverage and $231 per month for a full-coverage policy, according to Insurify data. This four-door all-wheel drive (AWD) sporty car offers a high-performance driving experience with 271 horsepower and comes in manual and automatic transmissions.[1]
Generally, drivers pay more to insure a Subaru WRX than other Subarus. This guide explores what you need to know about finding affordable car insurance for your Subaru WRX.
Quick Facts
The MSRP for a Subaru WRX starts at $37,750.
Mile Auto offers the most affordable rates for WRX owners.
The 2019 WRX is the cheapest edition to insure.
Cost of Subaru WRX insurance by model year
Many vehicle-specific factors affect how much your insurance costs. The age of your vehicle is one of many factors insurance companies consider when determining premiums. After all, vehicle age affects which safety features are included, the safety ratings, and the vehicle’s current value.
Beyond the model year, different trim levels may come with different insurance costs. For example, expect a more expensive vehicle model to lead to higher insurance costs.
According to Insurify data, the 2019 model is the cheapest Subaru WRX to insure at an average of $133 per month. The table below highlights the average monthly costs across different model years.
Model Year  | Average Monthly Quote |
|---|---|
| 2025 | $178 |
| 2024 | $173 |
| 2023 | $154 |
| 2022 | $141 |
| 2021 | $141 |
| 2020 | $139 |
| 2019 | $133 |
| 2018 | $144 |
| 2017 | $161 |
| 2016 | $141 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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The 2025 Subaru WRX comes with a starting MSRP of $35,750, which is fairly affordable compared to other similar sporty cars. Editions with higher trim levels range from $40,000 to $45,000.
The 2025 WRX comes in manual and automatic transmission. On average, it costs $178 per month to insure this model year, making it the most expensive option on this list.
The 2024 Subaru WRX has an average current value of $33,855.[2] It costs an average of $173 per month to insure this model year.
The table below shows average full-coverage policy costs for this model across various insurance companies.
Insurance CompanyAverage Monthly QuoteUSAA $111 State Farm $134 Allstate $149 GEICO $165 American Family $171 Progressive $176 Nationwide $205 Travelers $216 Farmers $260 Liberty Mutual $283 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
It costs an average of $154 per month to insure a 2023 Subaru WRX, which has an average value of $31,625.
The table below shows average full-coverage policy costs for this model across insurance companies.
Insurance CompanyAverage Monthly QuoteUSAA $100 State Farm $121 Allstate $135 GEICO $149 American Family $155 Progressive $159 Nationwide $185 Travelers $195 Farmers $235 Liberty Mutual $255 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2022 Subaru WRX has a current value of $24,128 and costs an average of $141 per month to insure.
The table below shows the average full-coverage insurance costs across insurers for this model year.
Insurance CompanyAverage Monthly QuoteUSAA $104 State Farm $125 Allstate $140 GEICO $154 American Family $161 Progressive $165 Nationwide $192 Travelers $202 Farmers $244 Liberty Mutual $265 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
With an MSRP of $22,167, the 2021 Subaru WRX costs an average of $141 per month to insure.
The table below breaks down average full-coverage costs for this model year from top insurance companies.
Insurance CompanyAverage Monthly QuoteUSAA $101 State Farm $122 Allstate $136 GEICO $150 American Family $156 Progressive $160 Nationwide $187 Travelers $197 Farmers $237 Liberty Mutual $257 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2020 Subaru WRX has an MSRP of $20,265 and costs an average of $139 per month to insure.
The table below displays the average full-coverage insurance costs by company for this model year.
Insurance CompanyAverage Monthly QuoteUSAA $104 State Farm $125 Allstate $140 GEICO $154 American Family $161 Progressive $165 Nationwide $192 Farmers $244 Travelers $202 Liberty Mutual $265 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2019 Subaru WRX costs an average of $133 per month to insure, making it the most affordable model year to afford in this list. Its current MSRP is $15,960.
The table below highlights the average full-coverage insurance costs for the 2019 model.
Insurance CompanyAverage Monthly QuoteUSAA $116 State Farm $139 Allstate $156 GEICO $172 American Family $179 Progressive $183 Nationwide $214 Travelers $225 Farmers $272 Liberty Mutual $295 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2018 Subaru WRX has a current price of $14,903. On average, it costs $144 per month to insure this model year.
The table below explores average full-coverage rates from top insurance companies for this model year.
Insurance CompanyAverage Monthly QuoteUSAA $117 State Farm $140 Allstate $156 GEICO $173 American Family $180 Progressive $184 Nationwide $215 Travelers $226 Farmers $273 Liberty Mutual $296 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2017 Subaru WRX costs an average of $161 per month to insure. It has an MSRP of $14,379.
The table below includes the average monthly full-coverage car insurance rates for this vehicle across different companies.
Insurance CompanyAverage Monthly QuoteUSAA $126 State Farm $151 Allstate $169 GEICO $187 American Family $194 Progressive $199 Nationwide $232 Travelers $245 Farmers $295 Liberty Mutual $320 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2016 Subaru WRX has a current MSRP of $14,141. On average, it costs $141 per month to insure.
The table below highlights average auto insurance premiums for full coverage across various companies.
Insurance CompanyAverage Monthly QuoteUSAA $128 State Farm $154 Allstate $172 GEICO $190 American Family $198 Progressive $203 Nationwide $236 Travelers $249 Farmers $301 Liberty Mutual $326 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Subaru insurance by state
Location has a big effect on your car insurance premiums, with drivers in some U.S. states paying significantly more for car insurance. For auto insurance companies, location is connected to risk and various state laws, which can each affect your premiums.[3]
Even drivers in different ZIP codes within the same state can face vastly different insurance premiums. For example, drivers in a ZIP code with high population density might pay more for car insurance due to higher accident risk.
Of course, location isn’t the only factor. Insurers also consider your driving profile, driving history, your insurance history, and more when determining rates.
The following table shows how the average costs to insure a Subaru vary by state. Data isn’t available for Alaska and Hawaii.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $119 |
| Arizona | $145 |
| Arkansas | $214 |
| California | $201 |
| Colorado | $183 |
| Connecticut | $279 |
| Delaware | $205 |
| Florida | $192 |
| Georgia | $208 |
| Idaho | $104 |
| Illinois | $142 |
| Indiana | $120 |
| Iowa | $101 |
| Kansas | $137 |
| Kentucky | $181 |
| Louisiana | $185 |
| Maine | $125 |
| Maryland | $282 |
| Massachusetts | $148 |
| Michigan | $231 |
| Minnesota | $163 |
| Mississippi | $173 |
| Missouri | $161 |
| Montana | $138 |
| Nebraska | $146 |
| Nevada | $234 |
| New Hampshire | $94 |
| New Jersey | $148 |
| New Mexico | $132 |
| New York | $393 |
| North Carolina | $78 |
| North Dakota | $114 |
| Ohio | $108 |
| Oklahoma | $148 |
| Oregon | $134 |
| Pennsylvania | $144 |
| Rhode Island | $123 |
| South Carolina | $225 |
| South Dakota | $108 |
| Tennessee | $125 |
| Texas | $197 |
| Utah | $153 |
| Virginia | $126 |
| Vermont | $160 |
| Washington | $133 |
| District of Columbia | $287 |
| Wisconsin | $131 |
| West Virginia | $110 |
| Wyoming | $99 |
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How to ensure you have enough coverage on your Subaru WRX
When selecting an insurance policy for your Subaru WRX, getting the right coverage matters. As you explore your coverage options, keep the following coverage types in mind:[4]
Liability coverage
Most states require drivers to carry a minimum amount of bodily injury liability coverage and property damage liability coverage. In order to legally drive, you’ll need to buy a policy with at least the minimum amount of coverage. For some drivers, it’s appropriate to buy additional coverage.
Collision coverage
Collision insurance helps to pay to repair your own vehicle after an accident.
Comprehensive coverage
If something other than a collision damages your vehicle, comprehensive coverage helps pay to repair or replace your vehicle. Common covered events include natural disasters, vandalism, and theft.
Uninsured/underinsured motorist coverage
When an uninsured driver damages your vehicle, uninsured/underinsured motorist coverage helps to pay for the repair costs.
While a minimum-coverage policy is typically the most affordable option, opting for more robust coverage levels could better protect your wallet in the long run. Depending on your situation, paying the full-coverage rate could be worth it.
In order to keep your insurance costs as low as possible, comparison shop to find car insurance quotes across different companies. Additionally, find out if you qualify for any discounts and consider raising your deductible to lock in a lower premium.
Subaru WRX car insurance FAQs
The following answers may help answer your remaining questions about car insurance for a Subaru WRX.
USAA and GEICO offer the cheapest rates for WRXs at $188 and $140 for full coverage, respectively.
Not really. A Subaru WRX costs an average of $2,124 per year to insure. This is slightly lower than the average annual cost across all drivers and vehicles for a full-coverage policy of $2,313.
A Subaru WRX costs an average of $177 per month to insure. A state-minimum coverage policy costs about $123, and a full-coverage policy costs an average of $231.
Like all vehicles, the Subaru WRX depreciates in value over time. But it tends to depreciate at a slower pace than other similar vehicles.[5]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Subaru. "WRX."
- Kelley Blue Book. "Subaru WRX."
- III. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Car Edge. "Subaru WRX Depreciation."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.