Honda Civic vs Subaru WRX Insurance Cost
The Subaru WRX is cheaper to insure by about $250 a year for full coverage by our estimate ($1,790 vs. $1,540), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Honda Civic | Subaru WRX | Difference |
|---|---|---|---|
| State minimum | $730 | $555 | +$175 |
| Standard (100/300/100) | $1,060 | $805 | +$255 |
| Full coverage | $1,790 | $1,540 | +$250 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Civic minus WRX.
Why one costs more to insure
| Factor | Honda Civic | Subaru WRX |
|---|---|---|
| Segment | Compact car | Compact car |
| Powertrains | Gasoline, Hybrid, CNG | Gasoline |
| HLDI collision (100 = avg) | 121 | 123 |
| HLDI comprehensive | 88 | 93 |
| HLDI property damage liability | 125 | 84 |
| HLDI bodily injury liability | 139 | — |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | #5 | Not in top 10 |
| Recalls (latest 3 model years) | 4 | 0 |
Collision losses are the biggest swing factor: the Subaru WRX has 2 points higher relative collision losses, meaning its crash repairs cost insurers more on average. The Honda Civic appears on the NICB most-stolen list, adding to comprehensive costs.
Civic vs WRX insurance by state
By driver profile (full coverage)
| Driver | Civic | WRX |
|---|---|---|
| Teen driver (18, own policy) | $4,915 | $4,240 |
| Young adult (22) | $2,860 | $2,465 |
| Adult in their 30s | $1,790 | $1,540 |
| Adult in their 50s | $1,645 | $1,420 |
| Senior (72) | $2,000 | $1,725 |
| 30s, one at-fault accident | $2,590 | $2,235 |
| 30s, DUI on record | $3,305 | $2,850 |
More comparisons
Frequently asked questions
Is the Honda Civic or the Subaru WRX cheaper to insure?
By our estimate the Subaru WRX is cheaper, by about $250 a year for full coverage ($1,790 vs. $1,540) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Honda Civic and Subaru WRX?
Mostly because of insurance-loss history: HLDI collision indices of 121 vs. 123 and comprehensive indices of 88 vs. 93 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.