Compare the Cost of Subaru WRX Insurance by Model Year and Company


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ByMark Fitzpatrick
Edited byKathryn Schroeder
ByMark Fitzpatrick
Edited byKathryn Schroeder

Updated: May 20, 2024

Advertising & Editorial Disclosure

Your age can significantly affect your auto insurance premium.

For example, MoneyGeek found that a 16-year-old who insures a 2009 Subaru WRX spends roughly $5,742 per year, while a 40-year-old only pays around $1,266 annually for the same full coverage policy. For a 2022 model, the average cost for a 16-year-old is $7,740 a year, whereas a 40-year-old pays $1,723 yearly.

Affordability is significant when purchasing auto insurance. However, MoneyGeek evaluated the best insurance providers for a Subaru WRX based on cost, customer service and claims management, as all factors are important when choosing which company’s policy to get.

MoneyGeek Logo IconCar Insurance CostsSubaru WRX
2024

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Subaru WRX.

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These rates were updated to reflect the average cost of car insurance for a Subaru WRX as of 2023.

10Companies Compared
 
41,832Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Subaru WRX

It costs an average of $1,549 per year to insure a Subaru WRX. But note that your actual rate can be much higher or lower depending on the insurance company you purchase your policy from and other factors.

For instance, on average, State Farm offers the cheapest full coverage policy at $1,168 per year, while Farmers is the most expensive provider, with a policy cost of $1,932 per year.

For minimum coverage, GEICO is the most affordable company, charging an average annual premium of $471, whereas Farmers is again the least affordable provider at around $738 annually. That shows the importance of comparing quotes when looking for the cheapest car insurance.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$1,168
GEICOAverage Annual Premium$1,206
TravelersAverage Annual Premium$1,380
AllstateAverage Annual Premium$1,530
NationwideAverage Annual Premium$1,547
ProgressiveAverage Annual Premium$1,695
FarmersAverage Annual Premium$1,932

Is a Subaru WRX Expensive to Insure?

Considered a high-performance sports car, the Subaru WRX has a moderate insurance cost, which makes it neither cheap nor expensive to insure compared to other car models.

It had a relatively low MSRP of $31,950 for a 2022 model year, considering it is a sports car, and an exceptional overall crash test rating. That indicates the Subaru WRX is very safe to drive, and its lower price point makes it less expensive to repair or replace than other sports cars, so insurers may not charge as high of a premium.

Best Companies for Insuring a Subaru WRX

You should consider affordability, service quality and claims experience when choosing the best car insurer for a Subaru WRX. The following are the best auto insurance providers for a Subaru WRX:

  • State Farm: MoneyGeek score of 90 out of 100 ($1,168 per year)
  • GEICO: MoneyGeek score of 89 out of 100 ($1,206 per year)

State Farm came out ahead by offering the average cheapest full coverage rate alongside very good customer service. With this insurer, you may get the most affordable rate without sacrificing service quality.

MoneyGeek Top Pick: State Farm

State Farm

pros

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Cheapest average rate for full coverage of the companies in our study

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Ranked second in customer satisfaction

cons

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Below-average rating for claims management

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No original equipment manufacturer (OEM) coverage or gap insurance

COMPANY HIGHLIGHTS

State Farm offers the cheapest average full coverage rate for a Subaru WRX and also has a strong reputation for delivering a top-notch customer experience.

State Farm has a very short list of options for coverages, but most drivers will find good value from its basic add-ons. Roadside assistance, which includes locksmith services, mechanical labor, towing and locksmith services, and takes care of the delivery of tires, a battery, gas or oil, is a good choice for anyone that wants help during a car breakdown.

Consider purchasing rental car coverage on your State Farm policy to further dial up your protection. With this add-on, you’ll receive a rental car if your car is involved in a covered accident (up to policy limits) and may get up to $500 in travel expenses, including meals, lodging and other transportation costs, if your car gets damaged in a covered accident.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

GEICO

pros

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Second-highest in affordability

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Provides good customer service

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Offers roadside assistance, accident forgiveness and mechanical breakdown insurance as add-ons

cons

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Below-average claims management rating

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No original equipment manufacturer (OEM) coverage

COMPANY HIGHLIGHTS

GEICO is the next-best option for drivers with a Subaru WRX. This insurer provides good service and an affordable full coverage premium.

It offers the second-cheapest rate out of seven providers, and policyholders could purchase a few useful add-on coverages. GEICO has mechanical breakdown insurance (MBI), which covers all of your car’s parts and systems at a very low cost compared to a typical dealer’s extended warranty. To qualify, you must have a new or leased car that’s less than 15 months old and has less than 15,000 miles.

GEICO’s roadside assistance coverage can be a lifesaver for many drivers. It pays for the cost of flat tires, towing, jumpstarts and lockout services. You may also purchase or earn GEICO’s accident forgiveness coverage, which ensures that you won’t face an increase in your premium after your first at-fault accident. Accident forgiveness is not available in every state.

Read MoneyGeek's GEICO Auto Insurance Review

Cost of Insuring a Subaru WRX by Model Year

Your Subaru WRX’s age does impact the average cost of car insurance. Because a car’s value depreciates over time, newer models are often more expensive to insure than older ones. For instance, a full coverage policy for a 2009 Subaru WRX costs around $1,266 per year, but it is roughly $457 more annually for a 2022 model at $1,723.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
2022Average Annual Premium$1,723
2021Average Annual Premium$1,710
2020Average Annual Premium$1,659
2019Average Annual Premium$1,660
2018Average Annual Premium$1,634
2017Average Annual Premium$1,563
2016Average Annual Premium$1,545
2015Average Annual Premium$1,500
2014Average Annual Premium$1,413
2013Average Annual Premium$1,378
2012Average Annual Premium$1,317
2011Average Annual Premium$1,274
2010Average Annual Premium$1,283
2009Average Annual Premium$1,266

The average cost of car insurance for a Subaru WRX varies not only by model year but also by provider. MoneyGeek found GEICO is the cheapest insurer for a 2009 Subaru WRX, with full coverage costing around $1,008 per year. State Farm offers the lowest rate for the 2022 model, charging an annual rate of roughly $1,396.

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Age:
Age:40
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$1,396
GEICOAverage Annual Premium$1,398
NationwideAverage Annual Premium$1,561
TravelersAverage Annual Premium$1,563
ProgressiveAverage Annual Premium$2,001
AllstateAverage Annual Premium$2,046
FarmersAverage Annual Premium$2,176

Cost of Insuring a Subaru WRX for 16- to 25-Year-Olds

Insurers look at several key factors, including age, when calculating your auto insurance premium. Car insurance for teens and young adults tends to be more expensive than for middle-aged drivers.

For example, the average annual rate for a 16-year-old with a Subaru WRX who purchases full coverage is around $6,798, but a 40-year-old driver with the same policy only spends roughly $1,495.

Keep in mind that teen car insurance gets cheaper each year and steadies once they reach their 20s.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
16Average Annual Premium$6,798
17Average Annual Premium$5,558
18Average Annual Premium$4,906
19Average Annual Premium$3,392
20Average Annual Premium$3,077
21Average Annual Premium$2,370
22Average Annual Premium$2,194
23Average Annual Premium$2,043
24Average Annual Premium$1,942
25Average Annual Premium$1,743

MoneyGeek recommends investing time and effort to compare rates from different providers if you want to find the cheapest teen car insurance. To give you an idea of how much rates can vary, we found that 16-year-old drivers with a Subaru WRX may find the lowest full coverage rate from State Farm at around $3,772 per year. Progressive is the most expensive, at an average annual cost of $9,672.

The rates above are for a teen on an individual policy, but most teens under 18 cannot legally purchase car insurance without a parent or guardian as a co-signer. The best and cheapest option for a young teen is to be on a family policy, as the cost is substantially less.

Data filtered by:Results filtered by:
Age:
Age:16
Model Year:
Model Year:2022
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$4,546
NationwideAverage Annual Premium$6,433
GEICOAverage Annual Premium$6,474
TravelersAverage Annual Premium$6,505
AllstateAverage Annual Premium$8,928
FarmersAverage Annual Premium$10,130
ProgressiveAverage Annual Premium$11,605

How Does Location Affect the Cost of Subaru WRX Insurance?

Your auto insurance cost depends on your age, model type and year, but where you live may also impact how much you pay to insure a Subaru WRX.

Premiums differ in every state, with Idaho being the cheapest state to insure a car and New York being the most expensive. Use MoneyGeek’s recommendations to collect quotes from the cheapest companies in your state so you can spend less time shopping for car insurance for your Subaru WRX.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AlabamaCheapest CompanyNationwideAnnual Premium$709Monthly Premium$59
AlaskaCheapest CompanyState FarmAnnual Premium$699Monthly Premium$58
ArizonaCheapest CompanyRoot Insurance CompanyAnnual Premium$682Monthly Premium$57
ArkansasCheapest CompanyState FarmAnnual Premium$629Monthly Premium$52
CaliforniaCheapest CompanyAAA CaliforniaAnnual Premium$1,001Monthly Premium$83
ColoradoCheapest CompanyAmerican National P&CAnnual Premium$541Monthly Premium$45
ConnecticutCheapest CompanyGEICOAnnual Premium$693Monthly Premium$58
DelawareCheapest CompanyState FarmAnnual Premium$881Monthly Premium$73

Frequently Asked Questions About Subaru WRX Insurance

Many drivers looking to insure a Subaru WRX often have questions about cost and service quality. Here are MoneyGeek’s answers to the commonly asked ones.

What company has the cheapest car insurance for a Subaru WRX?
What company offers the best car insurance for a Subaru WRX?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.