120+ more){kind=small}
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
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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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
USAA offers Subaru WRX drivers the cheapest average rates.
On average, Subaru WRX drivers pay $167 per month for car insurance.
The Subaru WRX generally costs more to insure than other Subaru models.
Subaru WRX drivers pay an average of $104 per month for liability-only coverage and $229 per month for full-coverage car insurance.
That’s significantly more than other sports cars, which cost around $112 and $212 per month for liability-only coverage and full-coverage policies as a group, respectively. WRX liability insurance is slightly lower than what drivers pay to insure a Volkswagen Golf GTI, at $155 per month for liability-only coverage, but higher than the GTI’s average full-coverage rate of $202 per month.
The table below shows what a Subaru WRX costs to insure, compared to the national average, for both full-coverage and liability policies.
Subaru WRX vs. Sports Car and National Averages | Average Monthly Premium: Full Coverage | Average Monthly Premium: Liability Only |
|---|---|---|
| Subaru WRX average | $229 | $104 |
| Sports car average | $212 | $112 |
| National average | $187 | $99 |
Subaru WRX drivers with a clean driving record often pay less for car insurance than people with an incident in their driving history.
The table below covers the average full-coverage and liability-only rates for WRX drivers with various driving histories.
Driving Record | Average Monthly Premium: Full Coverage | Average Monthly Premium: Liability Only |
|---|---|---|
| Clean record | $229 | $104 |
| Speeding ticket | $280 | $125 |
| At-fault accident | $303 | $116 |
| DUI | $238 | $122 |
The Subaru WRX costs $167 per month to insure, on average. That’s higher than the national average of $143 per month for all vehicles.
The vehicle’s sporty performance features contribute to its higher rates. With a turbocharged engine and electronically adjustable dampers, the WRX performs more like a sports car, which pushes insurance costs higher.
For many WRX owners, the fact that it can go 0–60 MPH in 5.5 seconds can be thrilling. But for insurance companies, that same power and speed can signal higher risk and make the vehicle costlier to insure.
Liability policies average $104/mo.
Generally, Subaru WRX drivers with an older model year pay less for coverage. As the WRX ages, it loses value, and car insurance premiums tend to go down as a result. For example, the 2026 WRX model has a starting manufacturer’s suggested retail price (MSRP) of $32,495, but the 2023 model has a fair purchase price value of $23,900, according to Kelley Blue Book.[1]
The exception seems to be the 2024 model, which has advanced safety features that could explain the relatively low rates compared to 2023, 2022, and 2021 models.
The table below shows the average monthly costs to insure a Subaru WRX based on the model year.
Model Year | Average Monthly Premium: Full Coverage | Average Monthly Premium: Liability Only |
|---|---|---|
| 2026 | $256 | $118 |
| 2025 | $249 | $113 |
| 2024 | $248 | $101 |
| 2023 | $241 | $105 |
| 2022 | $244 | $105 |
| 2021 | $228 | $104 |
| 2020 | $232 | $98 |
| 2019 | $224 | $95 |
| 2018 | $232 | $101 |
| 2017 | $225 | $102 |
USAA offers the cheapest car insurance premiums for Subaru WRX drivers. But WRX drivers without a qualifying military connection can typically find affordable rates from GEICO and State Farm. Before committing to a policy, shop around to find the best WRX rates for your situation.
The table below shows the cheapest average Subaru WRX rates by insurance company.
Insurance Company | Subaru WRX Average Monthly Premium |
|---|---|
| Allstate | $153 |
| American Family | $149 |
| Amica | $375 |
| CSAA | $244 |
| Farmers | $194 |
| GEICO | $136 |
| Liberty Mutual | $207 |
| Progressive | $131 |
| State Farm | $97 |
| Travelers | $178 |
| USAA | $96 |
The cost of insuring a Subaru WRX varies by state. For example, WRX drivers in Florida may face higher premiums partly due to coastal threats like damaging hurricanes.
Explore the average cost of insuring a Subaru WRX by state in the table below.
State | Subaru WRX Average Monthly Premium |
|---|---|
| Alaska | $88 |
| Alabama | $122 |
| Arkansas | $130 |
| Arizona | $148 |
| California | $177 |
| Colorado | $184 |
| Connecticut | $223 |
| Washington D.C. | $208 |
| Delaware | $249 |
| Florida | $219 |
| Georgia | $241 |
| Hawaii | $110 |
| Iowa | $98 |
| Idaho | $99 |
| Illinois | $144 |
| Indiana | $112 |
| Kansas | $138 |
| Kentucky | $183 |
| Louisiana | $183 |
| Massachusetts | $138 |
| Maryland | $285 |
| Maine | $124 |
| Michigan | $210 |
| Minnesota | $161 |
| Missouri | $159 |
| Mississippi | $161 |
| Montana | $119 |
| North Carolina | $105 |
| North Dakota | $105 |
| Nebraska | $120 |
| New Hampshire | $80 |
| New Jersey | $253 |
| New Mexico | $116 |
| Nevada | $247 |
| New York | $209 |
| Ohio | $106 |
| Oklahoma | $148 |
| Oregon | $144 |
| Pennsylvania | $146 |
| Rhode Island | $274 |
| South Carolina | $240 |
| South Dakota | $126 |
| Tennessee | $113 |
| Texas | $183 |
| Utah | $138 |
| Virginia | $189 |
| Vermont | $116 |
| Washington | $163 |
| Wisconsin | $107 |
| West Virginia | $140 |
| Wyoming | $84 |
Young drivers with a Subaru WRX pay more for car insurance than older drivers with this turbocharged vehicle. That’s likely because insurers reward drivers with more experience behind the wheel and see the WRX’s speed as a risk.
The table below shows the average car insurance costs for Subaru WRX drivers by age.
Driver Age | Average Monthly Premium: Full Coverage | Average Monthly Premium: Liability Only |
|---|---|---|
| Teens | $376 | $185 |
| 20s | $269 | $124 |
| 30s | $215 | $100 |
| 40s | $207 | $93 |
| 50s | $203 | $89 |
| 60s | $212 | $100 |
| 70s | $182 | $93 |
The 2026 Subaru WRX has a starting MSRP of $33,690 for the base model.[2] If you’re looking for more features on your WRX, opting for a higher trim package will lead to a higher price tag. For example, the GT and tS models of the WRX have a significantly higher starting MSRP of $44,995.
The 2026 WRX offers many customization options. For example, drivers can choose between a six-speed manual transmission or an automatic transmission.
The table below breaks down more details about the Subaru WRX.
Specification | Subaru WRX Details |
|---|---|
| Average car insurance cost | $167 |
| 2026 starting MSRP | $32,495 for the base model |
| Drivetrain | All-wheel drive |
| Engine | 2.4-liter direct injection turbocharged Subaru boxer engine |
| Fuel economy | Up to 26/19 mpg |
| Safety rating | 2024 Top Safety Pick from IIHS |
| Theft rate | Low |
The Subaru WRX is typically less expensive to insure than the Subaru BRZ. On average, BRZ drivers pay $177 per month to insure their Subaru, compared to $167 per month for WRX drivers.
Model | Average Monthly Premium: Full Coverage | Average Monthly Premium: Liability Only |
|---|---|---|
| Subaru WRX | $229 | $104 |
| Subaru BRZ | $232 | $121 |
Save on a policy for your Subaru WRX
If you’re looking to lower your auto insurance costs for a Subaru WRX, follow these tips:[3]
Shop around. Compare car insurance quotes across multiple auto insurance companies. Each insurer will have a different method of determining the risks associated with driving a Subaru WRX, which could lead to significantly different insurance rates.
Ask for a discount. The Subaru WRX comes packed with safety features, including EyeSight Driver Assist Technology, and you might be able to get a discount. Ask about other discounts you’re eligible for, including discounts for being a safe driver and bundling auto with home or renters insurance.
Consider low-mileage options. If you’re not driving your Subaru WRX every day, opting for a pay-per-mile car insurance policy or signing up for a telematics program could lead to savings.
When shopping around for insurance for your Subaru WRX, consider these commonly asked questions.
Car insurance for a Subaru WRX averages $167 per month. But rates vary widely by insurer, and factors like your driving history, ZIP code, and age can all affect how much you pay to insure your WRX.
Yes. It’s likely that the Subaru WRX’s features, including its turbocharged engine, high horsepower, and all-wheel drive, contribute to its higher insurance costs.
The Subaru WRX’s insurance costs are likely higher because it’s a performance sports sedan, and its turbocharged engine may be expensive to replace.
Thieves don’t seem to particularly target Subaru WRXs, based on Insurify data. So its relatively low theft rate likely helps keep the Subaru WRX less expensive to insure compared to other performance sedans.
Subarus cost an average of $126 per month to insure. When compared to the national average of $143 per month, it’s a relatively affordable vehicle to insure.
Insurify data scientists analyzed more than 250 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 500+ 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:
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
