Estimates, not quotes

Toyota Prius vs Subaru WRX Insurance Cost

The Subaru WRX is cheaper to insure by about $55 a year for full coverage by our estimate ($1,595 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 PriusSubaru WRXDifference
State minimum$565$555+$10
Standard (100/300/100)$820$805+$15
Full coverage$1,595$1,540+$55

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

Why one costs more to insure

FactorToyota PriusSubaru WRX
SegmentCompact carCompact car
PowertrainsHybrid, Plug-in hybridGasoline
HLDI collision (100 = avg)118123
HLDI comprehensive10493
HLDI property damage liability8584
HLDI bodily injury liability89—
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)20

Collision losses are the biggest swing factor: the Subaru WRX has 5 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Subaru WRX.

Prius vs WRX insurance by state

StatePriusWRXDifference
Alabama$1,405$1,355+$50
Alaska$1,405$1,360+$45
Arizona$1,665$1,605+$60
Arkansas$1,430$1,375+$55
California$1,585$1,545+$40
Colorado$1,815$1,735+$80
Connecticut$1,680$1,630+$50
Delaware$1,745$1,695+$50
District of Columbia$2,020$1,960+$60
Florida$2,215$2,150+$65
Georgia$1,940$1,880+$60
Hawaii$1,115$1,085+$30
Idaho$1,085$1,050+$35
Illinois$1,395$1,345+$50
Indiana$1,145$1,105+$40
Iowa$1,105$1,050+$55
Kansas$1,295$1,235+$60
Kentucky$1,335$1,290+$45
Louisiana$2,195$2,120+$75
Maine$1,025$990+$35
Maryland$1,780$1,725+$55
Massachusetts$1,575$1,525+$50
Michigan$1,745$1,690+$55
Minnesota$1,345$1,285+$60
Mississippi$1,535$1,475+$60
Missouri$1,455$1,395+$60
Montana$1,295$1,230+$65
Nebraska$1,295$1,235+$60
Nevada$1,785$1,735+$50
New Hampshire$1,145$1,110+$35
New Jersey$1,885$1,835+$50
New Mexico$1,440$1,385+$55
New York$2,105$2,045+$60
North Carolina$1,215$1,175+$40
North Dakota$1,050$1,000+$50
Ohio$1,150$1,110+$40
Oklahoma$1,455$1,395+$60
Oregon$1,410$1,365+$45
Pennsylvania$1,410$1,360+$50
Rhode Island$1,905$1,850+$55
South Carolina$1,680$1,620+$60
South Dakota$1,255$1,180+$75
Tennessee$1,340$1,295+$45
Texas$1,900$1,825+$75
Utah$1,425$1,385+$40
Vermont$1,060$1,020+$40
Virginia$1,370$1,325+$45
Washington$1,370$1,330+$40
West Virginia$1,350$1,295+$55
Wisconsin$1,100$1,055+$45
Wyoming$1,280$1,210+$70

By driver profile (full coverage)

DriverPriusWRX
Teen driver (18, own policy)$4,385$4,240
Young adult (22)$2,550$2,465
Adult in their 30s$1,595$1,540
Adult in their 50s$1,465$1,420
Senior (72)$1,785$1,725
30s, one at-fault accident$2,310$2,235
30s, DUI on record$2,950$2,850

More comparisons

Frequently asked questions

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

By our estimate the Subaru WRX is cheaper, by about $55 a year for full coverage ($1,595 vs. $1,540) for a driver in their 30s with a clean record.

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

Mostly because of insurance-loss history: HLDI collision indices of 118 vs. 123 and comprehensive indices of 104 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