+120 more)
Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Subaru WRX insurance costs an average of $176 per month, 8% higher than the national average for all vehicles of $163 per month.
USAA offers the cheapest coverage for the WRX, at $98 per month. But you need to be a military member to qualify.
The WRX is a high-performance vehicle, which drives up collision coverage costs.
Your Subaru WRX car insurance premiums can vary depending on the policy type you choose. Liability-only insurance is usually cheaper than a full-coverage policy. Most states require you to have liability coverage, which covers injuries and damage you cause to others in an accident.
Full coverage includes liability but also adds comprehensive and collision protection for your vehicle. Collision coverage helps pay for damage from accidents with another car or object. Comprehensive insurance covers damage from things like theft, vandalism, and weather.
Here’s how average WRX car insurance rates compare to the national average for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Subaru WRX | $113 | $239 | $176 |
| All vehicles | $113 | $212 | $163 |
The WRX’s liability-only rate matches the national average of $113 per month. But full coverage jumps to $239 per month — 13% higher than the national average.
Many different factors affect your premium, including which car insurance company you choose.
It’s common for insurance rates to vary dramatically from one insurer to the next, even for the same coverage. The price jumps between companies because each insurer weighs factors like your age and driving history slightly differently.
Here are some of the cheapest car insurance companies for the Subaru WRX, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $98 |
| State Farm | $109 |
| Allstate | $139 |
| American Family | $148 |
| GEICO | $152 |
| AAA | $167 |
| Nationwide | $180 |
| Progressive | $184 |
| Travelers | $188 |
| Farmers | $213 |
| Liberty Mutual | $253 |
| Amica | $478 |
Let’s look at why USAA, State Farm, and Allstate are top choices for Subaru WRX drivers.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA stands out for offering the lowest auto insurance rates for WRX drivers. But the company caters exclusively to military service members, veterans, and their families. If you qualify, USAA offers specific discounts for military life, like storing your car on base. Plus, USAA’s car replacement assistance protects against vehicle depreciation if you total your WRX.
Top-rated customer satisfaction[1]
Members-only benefits
No physical branches
Available only to military members and their families
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm has one of the most flexible bundling options of any auto insurance company. You can qualify for a bundling discount by combining car coverage with home, condo, renters, or life insurance. Plus, its Drive Safe & Save program gives you a chance to save up to 30% off your premiums for driving safely.
Extensive agent network
Mix and match bundling discounts
Lower–than-average claims handling ratings[2]
Doesn’t offer gap insurance
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate’s safety features discount is great for WRX owners. All WRX models come standard with anti-theft security, which you should make sure you tell your insurance agent. You can even save money by bundling multiple policies and paying your bill up front. If you want more protection, Allstate also offers roadside assistance.
Highly rated usage-based insurance program[1]
Offers accident forgiveness
Fewer optional coverages available
Mixed customer satisfaction ratings
Compare rates for your Subaru WRX and save money in seconds.
Your overall insurance costs partially depend on the age of your WRX. Generally speaking, the more your car is worth, the more it’ll cost to insure. That’s why newer cars typically come with higher insurance premiums than older models.
The table below shows how insurance costs change across different model years for the Subaru WRX, according to our data.
WRX Model Year | Average Monthly Premium |
|---|---|
| 2025 | $213 |
| 2024 | $213 |
| 2023 | $212 |
| 2022 | $212 |
| 2021 | $205 |
| 2020 | $195 |
| 2019 | $191 |
| 2018 | $184 |
| 2017 | $181 |
| 2016 | $176 |
| 2015 | $172 |
Company | Average Monthly Premium |
|---|---|
| USAA | $118 |
| State Farm | $132 |
| Allstate | $168 |
| American Family | $179 |
| GEICO | $184 |
Company | Average Monthly Premium |
|---|---|
| USAA | $118 |
| State Farm | $132 |
| Allstate | $168 |
| American Family | $179 |
| GEICO | $184 |
Company | Average Monthly Premium |
|---|---|
| USAA | $118 |
| State Farm | $131 |
| Allstate | $167 |
| American Family | $178 |
| GEICO | $183 |
Company | Average Monthly Premium |
|---|---|
| USAA | $118 |
| State Farm | $131 |
| Allstate | $167 |
| GEICO | $183 |
| AAA | $201 |
Company | Average Monthly Premium |
|---|---|
| USAA | $114 |
| State Farm | $127 |
| Allstate | $162 |
| GEICO | $177 |
| AAA | $194 |
Company | Average Monthly Premium |
|---|---|
| USAA | $109 |
| State Farm | $121 |
| Allstate | $154 |
| American Family | $164 |
| GEICO | $169 |
Company | Average Monthly Premium |
|---|---|
| USAA | $107 |
| State Farm | $119 |
| Allstate | $151 |
| American Family | $161 |
| GEICO | $165 |
Company | Average Monthly Premium |
|---|---|
| USAA | $103 |
| State Farm | $114 |
| Allstate | $146 |
| American Family | $155 |
| GEICO | $159 |
Company | Average Monthly Premium |
|---|---|
| USAA | $101 |
| State Farm | $112 |
| Allstate | $143 |
| American Family | $152 |
| GEICO | $157 |
Company | Average Monthly Premium |
|---|---|
| USAA | $98 |
| State Farm | $109 |
| Allstate | $139 |
| American Family | $148 |
| GEICO | $152 |
Company | Average Monthly Premium |
|---|---|
| USAA | $96 |
| State Farm | $106 |
| Allstate | $136 |
| American Family | $144 |
| GEICO | $148 |
Location affects your Subaru WRX insurance costs in multiple ways. Differences in weather patterns and environmental risks can vary widely. Medical care costs, car repair costs, lawsuit frequency, and insurance fraud in an area also affect premiums.[3]
The following map shows average monthly premiums for Subaru WRX drivers across the country, based on Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $145 |
| Arizona | $155 |
| Arkansas | $167 |
| California | $189 |
| Colorado | $189 |
| Connecticut | $262 |
| Delaware | $220 |
| Florida | $205 |
| Georgia | $235 |
| Hawaii | $116 |
| Idaho | $97 |
| Illinois | $146 |
| Indiana | $120 |
| Iowa | $99 |
| Kansas | $137 |
| Kentucky | $182 |
| Louisiana | $197 |
| Maine | $129 |
| Maryland | $279 |
| Massachusetts | $139 |
| Michigan | $212 |
| Minnesota | $160 |
| Mississippi | $139 |
| Missouri | $167 |
| Montana | $137 |
| Nebraska | $133 |
| Nevada | $233 |
| New Hampshire | $81 |
| New Jersey | $248 |
| New Mexico | $133 |
| New York | $202 |
| North Carolina | $82 |
| North Dakota | $108 |
| Ohio | $114 |
| Oklahoma | $158 |
| Oregon | $140 |
| Pennsylvania | $148 |
| Rhode Island | $202 |
| South Carolina | $225 |
| South Dakota | $127 |
| Tennessee | $131 |
| Texas | $202 |
| Utah | $138 |
| Vermont | $132 |
| Virginia | $165 |
| Washington | $156 |
| Washington D.C. | $290 |
| West Virginia | $136 |
| Wisconsin | $111 |
| Wyoming | $104 |
Generally speaking, the more years you log behind the wheel, the less you pay for car insurance. Teens and young drivers tend to pay some of the highest insurance rates of any age group. But rates start to level off around your mid-20s and continue to decrease until you reach age 70.
Here’s a look at average rates for each age group for the Subaru WRX, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $338 |
| Adults | $176 |
| Seniors | $151 |
Teen drivers are more likely to be in accidents — especially fatal ones — than older drivers. In fact, motor vehicle crashes are the leading cause of death among teens aged 13–19, according to the Insurance Institute for Highway Safety (IIHS).[4]
Because of this, insurers charge substantially more for young drivers, especially teens.
Even so, some companies offer relatively affordable rates for younger drivers. You can also save by having your parents keep you on their plan until you reach your 20s.
The chart below breaks down average monthly premiums by age group, according to our data.
Seniors are statistically the safest drivers, according to the IIHS.[5] They drive fewer miles than other age groups, avoid dangerous times like night driving, and are less likely to engage in risky behaviors like speeding. All of these reasons contribute to some of the lowest average premiums of any demographic.
But savvy senior shoppers can save even more by choosing the right insurer. The chart below compares average monthly Subaru WRX premiums for senior drivers across major insurance companies, according to Compare.com data.
Subaru cars have a reputation for safety, and your WRX may have some features that help you score insurance discounts. But that’s only the case if you have a clean driving record. Accidents, speeding tickets, and DUIs all signal to insurers that you’re a higher risk, which leads to steeper premiums.
The table below shows how different driving infractions affect your monthly premiums, according to our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $176 |
| Speeding ticket | $236 |
| At-fault accident | $252 |
| DUI | $296 |
Even if the WRX is a relatively quick and sporty car, it’s not always a good idea to put the pedal to the metal. After all, speeding contributed to 29% of all traffic fatalities in 2023, according to the National Highway Traffic Safety Administration (NHTSA).[6] That added risk means higher insurance premiums, since speeding tickets signal to insurers that you’re more likely to be involved in an accident.
In some states, the severity of the speeding offense matters, and tickets for excessive speeding can stay on your record longer and cause larger rate jumps than minor infractions.
The table below compares average monthly Subaru WRX insurance costs across major companies for drivers with a speeding ticket, according to our data.
At-fault accidents send a clear message to insurance companies that you’re risky to insure. That means you’ll pay quite a bit more for coverage if you cause an accident.
In fact, just one at-fault accident causes car insurance rates to jump by an average of 34% nationwide, according to Compare.com data.
The table below shows the cheapest companies for Subaru WRX drivers with an at-fault accident, according to our data.
About 33% of drivers arrested for driving under the influence (DUI) every year are repeat offenders, according to the NHTSA.[7] Insurers know that if you have a DUI, there’s a good chance you’ll drive impaired again. They adjust rates accordingly, and some may not want to cover you at all.
In many states, you also need an SR-22 or FR-44 filing to prove you meet minimum insurance requirements, which further raises your rates.
Still, a DUI isn’t a death sentence when it comes to auto insurance. Some companies still offer relatively affordable rates for drivers with a DUI, and others even specialize in high-risk drivers.
The table below shows the cheapest companies for Subaru WRX drivers with a DUI, according to our data.
Several features of your Subaru WRX can influence your insurance rate. Here are a few things that affect your costs:
Insurers often charge higher rates because the WRX is considered a high-performance vehicle.
The 2025 Subaru WRX starts at an MSRP of $38,920 and goes up to $48,875 for the tS model. Higher price tags can mean bigger potential payouts from insurance companies, driving up premiums.
Thieves don’t often target the WRX, according to the National Insurance Crime Bureau (NICB). A lower theft risk usually means cheaper rates.
The WRX’s anti-lock brakes and anti-theft systems can qualify you for safety discounts.
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You can find an affordable rate for a performance vehicle like the WRX with the right strategy. Here are some tips that can help lower your car insurance costs:
Consider a lower-trim option. Trim level directly affects your car insurance premium. Lower-priced models are usually less costly to insure.
Sign up for a telematics program. State Farm’s Drive Safe & Save or GEICO’s DriveEasy programs can reward safe driving habits with cheaper rates.
Maintain a clean driving record. Safe driving habits and avoiding accidents can help lower your premiums.
Shop around. Prices can vary between companies. You should get multiple quotes to find the best deal for your WRX.
Get personalized rates from 100+ top insurers.
If you have questions about insuring your Subaru WRX, you’re not alone. Here are the answers to some of the most common questions WRX drivers ask about their insurance.
Yes. You’ll pay a little bit more than average to insure your WRX, according to Compare.com research. The average monthly car insurance premium for a WRX is $176. That’s a little higher than the average for all vehicles of $163 per month.
USAA has the lowest average rates for WRX drivers, at $118 per month for a 2025 model, according to Compare.com data. But you can’t buy a USAA policy if you’re not a member of the military community. Instead, consider State Farm, which has the second-cheapest average of $132 per month for a 2025 WRX.
Car insurance for a 2025 Subaru WRX averages $213 per month, according to Compare.com data. A full-coverage policy averages $289 per month, while minimum coverage averages $137 per month.
The Outback is generally the cheapest Subaru to insure, according to Compare.com data. The average for a 2025 Outback is $141 per month.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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