According to Finder.com, a Subaru WRX costs on average, $144 per month to insure.
But, as we said, this is just an average. The cost of car insurance is dependent upon several different factors including, your driving record, claim record, age, geographic location, credit score, mileage, trim package, make and model.
If you were to rank them in order of importance, make and model would be numbers one and two.
Finding affordable car insurance for your Subaru WRX doesn’t have to be a struggle.
Table of Contents:
- How To Compare Insurance for a Subaru WRX
- What Affects Insurance Cost for a Subaru WRX
- Facts about the Subaru WRX
- Shopping for Subaru WRX Insurance
How To Compare Insurance for a Subaru WRX
Finding budget-friendly car insurance isn’t a pipe dream. Keep in mind cheaper is not always better.
Shop around and find both a comfortable price point and a reliable company.
Do a good background check on each company, asking a few questions:
- Do they offer discounts?
- Are they a financially healthy company?
- Is the agent selling the policy trustworthy?
Insurance companies are risk-takers. They assign the amount of risk directly proportional to the amount of liability both you and your car are to them.
This equation places a lot of importance on the make and model of the vehicle being insured. Let’s look specifically at a Subaru WRX.
What Factors Affect Car Insurance Rates for the Subaru WRX?
As a whole, Subaru’s are widely known as safe, family cars.
Let’s break down four main areas car insurance companies analyze when assigning rates.
Insurance companies look to the IIHS’s (Insurance Institute for Highway Safety) ratings of cars before assigning premium rates.
Each car gets one of the following: “G” for Good, “A” for Acceptable, “M” for Marginal, and “P” for Poor.
In 2020, the Subaru WRX landed a “G, winning top safety picks for Eyesight and Steering Responsive Headlights.
The only A awarded went to their LATCH system. For those of you who aren’t parents or caretakers of children, the LATCH system is the car seat anchoring system in cars.
There are two types of liabilities all states require to obtain car insurance: bodily injury and property damage.
Because of Subaru’s safety standards, the premium prices could be lower.
The WRX sticks out as a possible damage liability for one reason: they are a 4 door sedan with an adventurous engine.
Drivers of the WRX are 33.6% more likely to get a ticket for speeding than any other Subaru model.
In fact, the WRX was featured in the critically acclaimed movie, Baby Driver, featuring a risky getaway driver for hire. Unfortunately, the impressive upgraded engine will likely increase your premiums a bit.
This is the sticker price of your car. The trim package you choose determines the cost of your car.
The Subaru WRX comes in three different trim packages: the base model, premium edition, and limited edition.
Choosing an upgraded trim package may increase the sticker price over 5 figures, earning a higher car insurance premium.
Replacing a car can be an expense for insurance companies. It’s for that very reason, a less tempting car saves your monthly premiums.
Typically, Subaru’s are not targets of theft. However, if you live in the Pacific Northwest or near the Rocky Mountains, understand your premiums might be slightly higher than other regions in the US. Subaru’s are favorite amongst car thieves, especially in Portland, Oregon.
They recently reported on average 20 stolen cars a month.
Facts About the Subaru’s
Subaru’s have carved out a nice family niche in the car industry. They are known for their family and environmentally friendly cars.
Subaru’s are a Zero Landfill company meaning nothing is wasted during the manufacturing process. One hundred percent of waste is recycled or turned into electricity.
Their logo is actually a picture of the Pleiades, a famous star cluster in the Taurus Constellation. The name Subaru comes from the Japanese word for the Pleiades and actually means “united” alluding to the constellation of companies making up the Fuji Heavy Industries.
J.D. Power names Subaru as the #1 Brand Loyalty among brands and Kelly Blue Book names them the Most Trusted Brand. In fact, 97% of Subaru vehicles sold in the last 10 years are still on the road.
Lastly, Subaru car owners are all a part of a sticker clique. Finding a Subaru without a sticker slapped on the back is like finding a unicorn out in the wild.
Shopping For Subaru WRX Insurance
We can all remember our first car–freedom wrapped in metal, gas, and rubber. Nothing beats the feeling behind the wheel, your whole life on the road ahead.
Now, as an adult, I still sometimes get that driving euphoria. You know what gives me even greater joy? Saving each dollar possible on my car insurance–adulting broken down in an answered question.
Knowing ahead of time the cost of insurance you would be looking at when driving a Subaru WRX can save you a lot of frustration if it is outside of your budget. So do your due diligence, and compare rates with multiple companies.