How Much Does Subaru WRX Insurance Cost?

in Ownership
Black Subaru WRX

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Insurance will come up in every driver’s life at one point or another. This coverage protects you from damages that might occur on the road, defending you from any financial loss that could happen. It’s an excellent tool. If you’re interested in a Subaru WRX, you might be curious about the Subaru WRX insurance cost.

If you’re looking for more information about the Subaru WRX insurance cost, you’ve come to the right place! Read on to learn more about the average cost of Subaru WRX insurance, price changes by year, and the factors that can impact the overall cost of insurance. There’s lots to go over, so let’s jump right in!

How Much Does Subaru WRX Insurance Cost?

According to moneygeek.com, the average cost for insuring a Subaru WRX is $1,442 a year. Of course, several factors can shift that price. One of the biggest is the company you decide to purchase insurance from in the first place. 

According to thezebra.com, here are some of the costs for Subaru WRX insurance from different companies:

  • Erie: $859 a year
  • USAA: $957 a year
  • GEICO: $948 a year
  • Vermont Mutual: $1,517 a year
  • Nationwide: $1,374 a year
  • Acuity: $1,454 a year

Erie is one of the most affordable choices you could go with for covering your Subaru WRX. USAA is a close second in the matter.

Every company has varying restrictions, rules, and requirements for those who want to use their service. It’s critical to do your research on a company before going all in.

Insurance costs can also vary depending on the trim of the vehicle. Let’s talk about the price points with each Subaru WRX trim.

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Which Trim is the Cheapest?

You can choose from three trims with the Subaru WRX. Each of them comes at a different cost for insurance.

According to insuraviz.com, some of the insurance costs for the three trims include:

  • Basic: This version costs $1,596 a year.
  • Premium: This version costs $1,652 a year.
  • Limited: This version costs $1,690 a year.

You’ll pay more for annual insurance the more complicated you get with your vehicle.

These prices are based on the three trims of the 2022 Subaru WRX. If you’re interested in one of these three vehicles, ensure you look into the insurance rates to pick the best deal for your life. If you’re young, the premiums for a Subaru WRX can be a bit expensive since you have less experience driving.

A Look at Subaru WRX Insurance Cost By Year

If you choose to purchase an older car, you still need to pay for auto insurance to keep you covered. It’s critical to note that not every year of the Subaru WRX costs the same. You will run into different premiums for different models.

Here are some of the Subaru WRX insurance rates by year according to smartfinancial.com based on the rates of Titan:

  • 2019: The average cost is about $1,259.
  • 2018: The average cost is about $1,109.
  • 2016: The average cost is about $972.

Generally, the cost of insurance gets cheaper if you go with the older models rather than the newer ones.

Consider this factor if you’re interested in purchasing a Subaru WRX. If you want to save money on insurance premiums, aim for an older car to do so. Of course, it’s critical to ensure you won’t be paying just as much on repairs if the vehicle turns out to be a clunker.

Cost of Subaru WRX Lease Insurance

Although there isn’t much specific information out there about Subaru auto insurance with a lease, it’s safe to say that you will still need to invest in insurance for a Subaru lease. The car is not yours, and it needs to be in tip-top shape when it goes back to ensure minimal fees. Most of the time lease insurance costs more than basic insurance for the Subaru WRX.

It’s critical to check with your local Subaru dealer to see what they require for leases. Your state will also have mandates that will help you decide which plan and vehicle is the best choice for your life. Insurance, especially on leased vehicles, can save you a lot of trouble if an emergency happens on the road. Accidents are expensive!

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What Factors Can Affect Insurance?

Insurance can fluctuate based on several factors. It’s vital to know what can impact Subaru WRX insurance cost so you can prepare yourself for the premium you’ll have to pay. Let’s talk about a few of the most prominent factors that can alter the overall price point for the buyer.

Here are a few of the most critical items that can change the price of insurance according to creditkarma.com:

  • Credit: Better credit often means you will be required to pay less for full insurance coverage on your Subaru WRX.
  • Age: If you’re younger, you’ll pay more for insurance. The older you get the less you pay until you turn about sixty.
  • Driving History: Those with a spotless driving history will pay less than those who frequently get in trouble on the road.
  • Gender: Women tend to pay less for insurance than men, thanks to the history of male accidents.

A female with a spotless driving history and excellent credit will pay less for insurance than a male with clunky driving history and poor credit.

There are so many things that can alter Subaru WRX insurance cost. It’s critical to know about these ahead of time so you can fix the issues that need fixing. From this point, you can aim for the most affordable insurance possible.

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Conclusion

There are plenty of things that can change insurance premiums for a driver. However, you can anticipate that the price will always fall to around $1,442 once you get older.

We hope this was helpful in your life! Once you understand how auto insurance works, you should have no trouble finding a plan that works for your Subaru WRX.

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