The Subaru WRX is a compact sports car with all-wheel drive that first debuted in the U.S. in 2002 and is still a popular vehicle today. The 2026 WRX delivers a fun, comfortable ride with precise handling, turbocharged power, a rear-vision camera, and Apple CarPlay/Android Auto. No matter which type of Subaru WRX you drive, it needs to be protected with the right car insurance.
When it's time to find the best Subaru WRX insurance, an independent insurance agent can assist you. These agents know where to get the right Subaru insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Subaru WRX by model year and top-rated insurance company in 2026.
Key Takeaways - Subaru WRX Car Insurance
Subaru WRX insurance costs an average of $2,628 per year, or approximately $219 per month, for full coverage in 2026.
USAA, Progressive, and Nationwide are the cheapest carriers for model-year 2025 Subaru WRX insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Subaru WRX insurance.
Subaru WRX insurance costs vary widely by state, with drivers in Wyoming paying an average of only $41 monthly for minimum coverage, while those in Louisiana pay $222.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Subaru WRX model.
What Is Subaru WRX Insurance?
Subaru WRX insurance is a specialized car insurance policy that includes customized coverage for your specific vehicle. As a compact sports car, the WRX may require additional coverage beyond that needed by standard sedans. However, the WRX's average car insurance rates trend cheaper than those for other vehicles in its class.
Recommended coverage options for Subaru WRX drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Subaru WRX:
- Gap insurance: If you have a new or financed Subaru vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- Subaru warranty insurance: This can extend Subaru's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Subaru parts during the repair process.
To satisfy your state's minimum coverage requirements for a Subaru WRX, work with a local independent insurance agent. They'll help you get set up with all the required auto insurance so you can avoid state fines and other penalties.
How Much Does Subaru WRX Insurance Cost?
The average cost of car insurance for a Subaru WRX is $2,628 per year, or approximately $219 per month, for full coverage. Minimum coverage for a Subaru WRX costs an average of $1,359 annually, or approximately $113 monthly. However, several factors can influence the cost of Subaru insurance, including:
- The specific type of WRX you drive
- The types and amount of coverage you need
- Your driving history
- Annual mileage
- Your claims history
- Your location
- Vehicle safety features
- Your credit score (where allowed)
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Subaru WRX full coverage insurance or a basic Subaru WRX liability insurance policy.
Is the Subaru WRX Expensive to Insure?
Yes, the Subaru WRX is more expensive to insure than other Subaru models and other sedans in general. The table below compares average auto insurance rates for the Subaru WRX with those for all Subarus and other sedans.
| Vehicle | Average Monthly Cost of Full Coverage |
| Subaru WRX | $219 |
| All Subarus | $159 |
| All Sedans | $203 |
Average Subaru WRX Insurance Rates Compared to Similar Vehicles
The Subaru WRX actually isn't expensive to insure when compared to many other vehicles in its class. The WRX's average monthly auto insurance rate is essentially the same as that of the Mitsubishi Lancer, the Bentley Arnage, and the Acura TLX. The table below compares the Subaru WRX's average auto insurance premiums to those of similar vehicles in its class.
| Vehicle | Average Monthly Cost of Car Insurance |
| Audi S6 | $165 |
| Audi S5 | $165 |
| Acura TLX | $165 |
| Mitsubishi Lancer | $166 |
| Bentley Arnage | $166 |
| Subaru WRX | $166 |
| BMW 7-series | $168 |
| Infiniti Q50 | $170 |
| Mercedes CLS | $171 |
Subaru WRX Insurance Costs by Model Year
Next, we'll break down several model years of the Subaru WRX and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Subaru WRX* | $1,565 |
| 2025 Subaru WRX | $1,435 |
| 2024 Subaru WRX | $1,666 |
| 2023 Subaru WRX | $1,512 |
| 2022 Subaru WRX | $761 |
| 2021 Subaru WRX | $1,021 |
| 2020 Subaru WRX | $1,307 |
| 2019 Subaru WRX | $1,032 |
| 2018 Subaru WRX | $1,148 |
| 2017 Subaru WRX | $1,170 |
| 2016 Subaru WRX | $1,076 |
| 2015 Subaru WRX | $767 |
*Note: The 2026 WRX's average rate is a projection based on the evaluation of inflation trends and current market data.
Cheapest Subaru WRX Car Insurance Companies for 2026
Many outstanding auto insurance carriers offer affordable Subaru WRX insurance. These top-rated Subaru car insurance companies provide the cheapest model-year 2025 WRX insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,975 |
| Progressive | $2,211 |
| Nationwide | $2,290 |
| Erie | $2,425 |
| American Family | $2,640 |
| Allstate | $4,520 |
Subaru WRX Car Insurance Rates by State
Location is one of the main factors that goes into car insurance premium calculations. Here are some average auto insurance rates for the Subaru WRX by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $96 | $183 |
| Alaska | $79 | $167 |
| Arizona | $135 | $253 |
| Arkansas | $93 | $208 |
| California | $108 | $218 |
| Colorado | $110 | $262 |
| Connecticut | $153 | $260 |
| Delaware | $144 | $243 |
| Florida | $133 | $309 |
| Georgia | $154 | $257 |
| Hawaii | $62 | $138 |
| Idaho | $60 | $123 |
| Illinois | $105 | $197 |
| Indiana | $74 | $144 |
| Iowa | $64 | $153 |
| Kansas | $80 | $187 |
| Kentucky | $133 | $224 |
| Louisiana | $222 | $469 |
| Maine | $58 | $121 |
| Maryland | $165 | $278 |
| Massachusetts | $110 | $234 |
| Michigan | $165 | $319 |
| Minnesota | $97 | $200 |
| Mississippi | $98 | $193 |
| Missouri | $143 | $281 |
| Montana | $89 | $211 |
| Nebraska | $84 | $192 |
| Nevada | $194 | $349 |
| New Hampshire | $78 | $139 |
| New Jersey | $181 | $298 |
| New Mexico | $93 | $206 |
| New York | $130 | $234 |
| North Carolina | $87 | $172 |
| North Dakota | $70 | $153 |
| Ohio | $86 | $166 |
| Oklahoma | $103 | $229 |
| Oregon | $132 | $230 |
| Pennsylvania | $101 | $234 |
| Rhode Island | $139 | $245 |
| South Carolina | $116 | $215 |
| South Dakota | $64 | $195 |
| Tennessee | $87 | $175 |
| Texas | $136 | $279 |
| Utah | $116 | $198 |
| Vermont | $55 | $129 |
| Virginia | $110 | $178 |
| Washington | $102 | $190 |
| West Virginia | $99 | $200 |
| Wisconsin | $74 | $164 |
| Wyoming | $41 | $130 |
Average Subaru WRX Insurance Rates by Trim Level
Your specific Subaru WRX's trim level can also affect the cost of your coverage. Here are some average Subaru WRX car insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Sedan 4d | $91 | $177 |
| Premium Sedan 4d | $98 | $189 |
| Limited Sedan 4d | $100 | $194 |
| GT Sedan 4d | $105 | $204 |
| WRX | $106 | $205 |
| STI Launch Edition Sedan 4d | $114 | $220 |
| Premium | $115 | $222 |
| STI Series. Hyperblue Sedan 4d | $127 | $246 |
| STI Sedan 4d | $128 | $248 |
| Limited | $128 | $249 |
| STI Limited Sedan 4d | $129 | $250 |
| TR | $134 | $259 |
| GT | $147 | $284 |
| STI Type RA Sedan 4d | $151 | $292 |
| TS | $151 | $293 |
| STI S209 Sedan 4d | $161 | $310 |
Average Subaru WRX Insurance Rates by Driver Age and Profile
Other major factors that can affect the cost of car insurance include a driver's age, driving history, and their credit. Teens and young drivers pay the highest average insurance rates for a Subaru WRX. Auto insurance premiums tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, car insurance rates begin to rise as they age. Here are some average Subaru WRX insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $8,260 | $12,154 | $14,199 |
| 20 | $6,365 | $9,371 | $10,943 |
| 25 | $3,718 | $5,475 | $6,422 |
| 30 | $2,948 | $4,263 | $4,971 |
| 35 | $2,713 | $4,027 | $4,653 |
| 40 | $2,573 | $3,834 | $4,495 |
| 45 | $2,533 | $3,714 | $4,376 |
| 55 | $2,317 | $3,381 | $3,991 |
| 65 | $2,433 | $3,551 | $4,188 |
| 75 | $3,073 | $4,493 | $5,294 |
Best Subaru WRX Insurance Discounts: How to Lower Your Subaru WRX Insurance Premiums
There are several ways you can easily save money on your Subaru WRX car insurance premiums. Any of these simple strategies can potentially increase your earnings today:
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Subaru WRX insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Subaru may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Subaru WRX insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Subaru WRX insurance from a trusted carrier near you.
When you work with a local independent insurance agent, you're automatically matched to the most affordable Subaru WRX auto insurance near you. These agents also know which carriers offer the best discounts and other savings opportunities.
An Independent Insurance Agent Can Help You Get the Best Subaru WRX Insurance Quotes
When it's time to find the most affordable Subaru WRX insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Subaru WRX insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Subaru WRX Insurance
How much does Subaru WRX insurance cost per year?
The average annual cost of full coverage for a Subaru WRX is $2,628 per year, or approximately $219 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Subaru WRX insurance premiums?
If you've filed car insurance claims in the past, have accidents or other violations on your record, have poor credit, or live in a high-theft rate area, you might experience higher Subaru WRX car insurance premiums.
Is the Subaru WRX expensive to insure?
No, the Subaru WRX isn't expensive to insure when compared to similar vehicles in its class, including the Mitsubishi Lancer, the Acura TLX, and the Audi S5.
What are the best and cheapest carriers for Subaru WRX insurance in 2026?
We found that USAA, Progressive, and Nationwide are the best and cheapest car insurance companies for model-year 2025 Subaru WRX insurance this year.
Is insurance cheaper for the Subaru WRX than for other Subarus?
No, the WRX's average monthly car insurance rate of $219 is higher than the $159 average for other Subaru vehicles.
How can I get cheaper Subaru WRX insurance?
Finding cheaper Subaru WRX insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/subaru-wrx-insurance/
https://www.thezebra.com/auto-insurance/vehicles/subaru/wrx/
https://www.insuranceopedia.com/auto-insurance/subaru-wrx-car-insurance