Estimates, not quotes

Toyota Corolla vs Subaru WRX Insurance Cost

The Subaru WRX is cheaper to insure by about $165 a year for full coverage by our estimate ($1,705 vs. $1,540), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageToyota CorollaSubaru WRXDifference
State minimum$710$555+$155
Standard (100/300/100)$1,025$805+$220
Full coverage$1,705$1,540+$165

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Corolla minus WRX.

Why one costs more to insure

FactorToyota CorollaSubaru WRX
SegmentCompact carCompact car
PowertrainsGasoline, HybridGasoline
HLDI collision (100 = avg)102123
HLDI comprehensive8993
HLDI property damage liability11484
HLDI bodily injury liability137—
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)30

Collision losses are the biggest swing factor: the Subaru WRX has 21 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Corolla vs WRX insurance by state

StateCorollaWRXDifference
Alabama$1,475$1,355+$120
Alaska$1,490$1,360+$130
Arizona$1,790$1,605+$185
Arkansas$1,480$1,375+$105
California$1,665$1,545+$120
Colorado$1,920$1,735+$185
Connecticut$1,830$1,630+$200
Delaware$1,930$1,695+$235
District of Columbia$2,145$1,960+$185
Florida$2,480$2,150+$330
Georgia$2,135$1,880+$255
Hawaii$1,170$1,085+$85
Idaho$1,155$1,050+$105
Illinois$1,470$1,345+$125
Indiana$1,205$1,105+$100
Iowa$1,130$1,050+$80
Kansas$1,335$1,235+$100
Kentucky$1,435$1,290+$145
Louisiana$2,365$2,120+$245
Maine$1,080$990+$90
Maryland$1,925$1,725+$200
Massachusetts$1,675$1,525+$150
Michigan$1,855$1,690+$165
Minnesota$1,405$1,285+$120
Mississippi$1,615$1,475+$140
Missouri$1,535$1,395+$140
Montana$1,335$1,230+$105
Nebraska$1,340$1,235+$105
Nevada$2,000$1,735+$265
New Hampshire$1,210$1,110+$100
New Jersey$2,085$1,835+$250
New Mexico$1,520$1,385+$135
New York$2,315$2,045+$270
North Carolina$1,255$1,175+$80
North Dakota$1,060$1,000+$60
Ohio$1,210$1,110+$100
Oklahoma$1,515$1,395+$120
Oregon$1,550$1,365+$185
Pennsylvania$1,475$1,360+$115
Rhode Island$2,080$1,850+$230
South Carolina$1,840$1,620+$220
South Dakota$1,260$1,180+$80
Tennessee$1,405$1,295+$110
Texas$2,000$1,825+$175
Utah$1,565$1,385+$180
Vermont$1,090$1,020+$70
Virginia$1,465$1,325+$140
Washington$1,500$1,330+$170
West Virginia$1,405$1,295+$110
Wisconsin$1,155$1,055+$100
Wyoming$1,285$1,210+$75

By driver profile (full coverage)

DriverCorollaWRX
Teen driver (18, own policy)$4,695$4,240
Young adult (22)$2,730$2,465
Adult in their 30s$1,705$1,540
Adult in their 50s$1,570$1,420
Senior (72)$1,910$1,725
30s, one at-fault accident$2,475$2,235
30s, DUI on record$3,155$2,850

More comparisons

Frequently asked questions

Is the Toyota Corolla or the Subaru WRX cheaper to insure?

By our estimate the Subaru WRX is cheaper, by about $165 a year for full coverage ($1,705 vs. $1,540) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Toyota Corolla and Subaru WRX?

Mostly because of insurance-loss history: HLDI collision indices of 102 vs. 123 and comprehensive indices of 89 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.

Sources used on this page