Subaru WRX Insurance Cost

Full coverage for a Subaru WRX costs about $1,540 a year ($128/month) by our estimate — ▼ −3% versus the average vehicle, ranking 111th cheapest of 310 current models.

Subaru WRX exterior (photo from Wikimedia Commons) — Photo: Elise240SX, CC BY-SA 4.0

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

Subaru WRX insurance cost at a glance

Full coverage

$1,540

$128/mo · $1,265–$1,820

Minimum liability

$555

$46/mo

Segment

Compact car

Gasoline

HLDI collision losses

123

Much worse than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2015–2026 model years of the Subaru WRX.

Estimated Subaru WRX premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$555	$46	$455–$655
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$805	$67	$660–$950
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,540	$128	$1,265–$1,820

What drives the cost of insuring a Subaru WRX

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Subaru WRX's results put our vehicle factor at 0.90× for liability, 1.19× for collision and 0.93× for comprehensive.

HLDI relative insurance losses — Subaru WRX 4WD with EyeSight (Small Four-door cars)
Coverage	Index	Rating	What it measures
Collision	123	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	93	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	84	Better than average	Damage this car does to other vehicles and property
Personal injury protection	108	Worse than average	Injuries to occupants of this car (claim frequency)

Repair and parts costs: Compact car — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 0 NHTSA recall campaigns and 15 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Subaru WRX trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
WRX	AWD	2.4L 4-cyl Turbo	22

Subaru WRX insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	2.4L 4-cyl Turbo	AWD	21–22	$1,540
2025	2.4L 4-cyl Turbo	AWD	21–22	$1,505
2024	2.4L 4-cyl Turbo	AWD	21–22	$1,470
2023	2.4L 4-cyl Turbo	AWD	21–22	$1,435
2022	2.4L 4-cyl Turbo	AWD	21–22	$1,400
2021	2.0L 4-cyl Turbo, 2.5L 4-cyl Turbo	AWD	18–23	$1,365
2020	2.0L 4-cyl Turbo, 2.5L 4-cyl Turbo	AWD	19–23	$1,335
2019	2.0L 4-cyl Turbo, 2.5L 4-cyl Turbo	AWD	19–23	$1,300
2018	2.0L 4-cyl Turbo, 2.5L 4-cyl Turbo	AWD	18–23	$1,265
2017	2.0L 4-cyl Turbo, 2.5L 4-cyl Turbo	AWD	19–23	$1,230
2016	2.0L 4-cyl Turbo, 2.5L 4-cyl Turbo	AWD	19–23	$1,195
2015	2.0L 4-cyl Turbo, 2.5L 4-cyl Turbo	AWD	19–24	$1,190

Subaru WRX insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the WRX page for that state.

State	Full coverage	Minimum	vs. national	WRX page
Alabama	$1,355	$435	−12%	WRX in AL
Alaska	$1,360	$565	−12%	WRX in AK
Arizona	$1,605	$595	+4%	WRX in AZ
Arkansas	$1,375	$405	−11%	WRX in AR
California	$1,545	$520	0%	WRX in CA
Colorado	$1,735	$590	+13%	WRX in CO
Connecticut	$1,630	$645	+6%	WRX in CT
Delaware	$1,695	$725	+10%	WRX in DE
District of Columbia	$1,960	$670	+27%	WRX in DC
Florida	$2,150	$975	+40%	WRX in FL
Georgia	$1,880	$790	+22%	WRX in GA
Hawaii	$1,085	$395	−30%	WRX in HI
Idaho	$1,050	$365	−32%	WRX in ID
Illinois	$1,345	$450	−13%	WRX in IL
Indiana	$1,105	$365	−28%	WRX in IN
Iowa	$1,050	$280	−32%	WRX in IA
Kansas	$1,235	$365	−20%	WRX in KS
Kentucky	$1,290	$475	−16%	WRX in KY
Louisiana	$2,120	$715	+38%	WRX in LA
Maine	$990	$385	−36%	WRX in ME
Maryland	$1,725	$680	+12%	WRX in MD
Massachusetts	$1,525	$535	−1%	WRX in MA
Michigan	$1,690	$690	+10%	WRX in MI
Minnesota	$1,285	$425	−17%	WRX in MN
Mississippi	$1,475	$480	−4%	WRX in MS
Missouri	$1,395	$465	−9%	WRX in MO
Montana	$1,230	$355	−20%	WRX in MT
Nebraska	$1,235	$365	−20%	WRX in NE
Nevada	$1,735	$785	+13%	WRX in NV
New Hampshire	$1,110	$365	−28%	WRX in NH
New Jersey	$1,835	$845	+19%	WRX in NJ
New Mexico	$1,385	$470	−10%	WRX in NM
New York	$2,045	$840	+33%	WRX in NY
North Carolina	$1,175	$405	−24%	WRX in NC
North Dakota	$1,000	$250	−35%	WRX in ND
Ohio	$1,110	$365	−28%	WRX in OH
Oklahoma	$1,395	$425	−9%	WRX in OK
Oregon	$1,365	$565	−11%	WRX in OR
Pennsylvania	$1,360	$385	−12%	WRX in PA
Rhode Island	$1,850	$740	+20%	WRX in RI
South Carolina	$1,620	$660	+5%	WRX in SC
South Dakota	$1,180	$285	−23%	WRX in SD
Tennessee	$1,295	$410	−16%	WRX in TN
Texas	$1,825	$625	+19%	WRX in TX
Utah	$1,385	$590	−10%	WRX in UT
Vermont	$1,020	$285	−34%	WRX in VT
Virginia	$1,325	$565	−14%	WRX in VA
Washington	$1,330	$535	−14%	WRX in WA
West Virginia	$1,295	$395	−16%	WRX in WV
Wisconsin	$1,055	$335	−31%	WRX in WI
Wyoming	$1,210	$295	−21%	WRX in WY

Subaru WRX insurance by driver profile

Estimated annual Subaru WRX premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,525	$2,210	$4,240	$353
Young adult (22)	$890	$1,285	$2,465	$205
Adult in their 30s	$555	$805	$1,540	$128
Adult in their 50s	$510	$740	$1,420	$118
Senior (72)	$620	$900	$1,725	$144
30s, one at-fault accident	$805	$1,165	$2,235	$186
30s, DUI on record	$1,025	$1,490	$2,850	$238

Subaru WRX vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Subaru WRX	$1,540	123	93	—
Honda Civic	$1,790	121	88	Compare
Toyota Corolla	$1,705	102	89	Compare
Toyota Prius	$1,595	118	104	Compare

Estimate Subaru WRX insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Subaru models

Ascent $1,205/yr
BRZ $1,740/yr
Crosstrek $1,175/yr
Impreza $1,465/yr
Outback $1,190/yr
Solterra $1,320/yr
Trailseeker $1,545/yr
Uncharted $1,545/yr
Forester $1,140/yr
Legacy $1,330/yr
Tribeca $1,190/yr
Baja $1,240/yr

All Subaru insurance costs →

Frequently asked questions

How much is insurance for a Subaru WRX?

We estimate about $1,540 a year ($128 a month) for full coverage and $555 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 3% less than the average vehicle.

Is the Subaru WRX expensive to insure?

HLDI insurance-loss data rates it at 123 for collision and 93 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Subaru WRX?

Maine has the lowest estimate (about $990 a year for full coverage) and Florida the highest (about $2,150).

What is the Subaru WRX's NHTSA safety rating?

The 2026 Subaru WRX earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Subaru WRX cheaper to insure than the Honda Civic?

By our estimate the Subaru WRX costs about $1,540 a year versus $1,820 for the Honda Civic, making it the cheaper of the two to insure.

How much is Subaru WRX insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,240 a year at national-average rates by our estimate.

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