Insurance rates for sports sedans like the subaru wrx can be higher than other sedans. With a national average cost of auto insurance for full coverage at $1,674 per year, it may surprise you how affordable it can be to insure a safe and reliable sports sedan.
The cost of car insurance is determined by a number of factors, many of which involve personal information such as your age, location, driving history, and credit score. The type of vehicle you choose also makes a difference, as does the coverage you select and whether you need comprehensive coverage or state minimum insurance coverage.
Reading: How much is insurance on a subaru wrx
how much does it cost to insure a subaru wrx?
the average cost of auto insurance in the us. uu. it is $1,674 per year for full coverage. Auto insurance underwriters determine their individual premium by analyzing their personal characteristics, such as driving history, ZIP code, and the make and model of their vehicle. Auto insurance companies charge different rates based on vehicle model because certain vehicles are riskier to insure. The following factors often affect the cost of insurance for certain makes and models of vehicles:
- price of parts: Subarus have expensive parts relative to other vehicles. In general, foreign-made vehicles have more expensive parts than domestically-made vehicles. For this reason, Subarus are generally more expensive to repair than domestic vehicles of a similar class, and this can be reflected in higher auto insurance premiums.
- safety features: Some auto insurance companies will offer lower premiums if your car comes equipped with certain safety features. Subaru WRXs typically come equipped with whiplash-reducing front seats, supplemental restraint system airbags, and a multi-mode Vehicle Dynamics Control system.
- Whiplash Reducing Front Seats: The wrx comes equipped with front seats with energy-absorbing head restraints that better protect the driver and front passenger during a rear-end collision. this protection can help keep passengers safe in an accident and, as a result, could help reduce car insurance costs.
- supplemental restraint system (srs)* airbags: wrx is equipped with airbags in front of the driver, in the side of the vehicle and in the knees, which offer additional protection to the front passengers. This added protection can help reduce the likelihood of medical bills and, in turn, could lower your auto insurance premium.
- ring-shaped reinforcement frame: the wrx’s reinforced frame works to deflect energy from the occupants during a collision. By helping protect travelers and potentially mitigating medical bills, this feature can help you save on your auto insurance.
- Cab Protection Design: The engine and gearbox are positioned to slide under the driver, rather than towards the driver, in the event of a collision. this feature can help mitigate medical bills and could help lower your auto insurance as a result.
- Symmetrical All Wheel Drive: This feature helps the vehicle gain traction where front or rear wheel drive vehicles would struggle. this feature can stabilize your vehicle and help you avoid accidents, which could result in cheaper auto insurance.
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- full $500 deductible
car insurance for subaru wrx
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auto insurance for subaru wrx vehicles isn’t the cheapest, but you can still find affordable options. Although auto insurance rates vary widely for each driver based on their history and personal circumstances, the rates listed below can be helpful when comparing insurance costs. For minimum liability coverage, the average annual price of car insurance for a Subaru WRX is $481. drivers who need full coverage insurance will pay more with an average annual insurance cost of $1,863.
cheapest car insurance companies for subaru wrxs
To find the cheapest auto insurance companies offering auto insurance for Subaru WRX vehicles, we picked from the best bankrate auto insurance companies and picked the top five based on market share. The rates below are the average annual premiums for state minimum liability and full coverage auto insurance. For full coverage, the Subaru WRX is the cheapest at $1,237 per year, which is more than $400 less per year than the national average for full coverage auto insurance. These rates are based on a sample driver and may differ from the rate offered to you based on your personal driving history and demographics.
average annual total coverage premium by model
subaru wrx features that affect insurance costs
the insurance institute for highway safety (iihs) considered the subaru wrx to be one of the best safety options in 2021 for its resistance to crashes. As a result, some companies may offer certain security discounts when it comes to your Subaru WRX insurance. The following features of the Subaru WRX can affect car insurance prices:
other car insurance coverage for subaru wrx
Nearly all states require drivers to purchase at least a minimum amount of liability coverage. Liability coverage protects you if you cause an accident that results in injury and property damage. however, if your policy limits are less than the damage you caused, you may have to pay out of pocket. With this in mind, you may want to talk to an auto insurance agent about the auto insurance coverage they recommend for you.
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Most auto insurance experts recommend buying full coverage insurance, which is a combination of collision and comprehensive insurance. Collision coverage pays to cover medical bills and damage in a collision. Comprehensive coverage pays to cover damage not associated with a collision, such as damage from inclement weather, hitting an animal, vandalism, and theft. If you lease your vehicle, you may also want to consider options like gap coverage, which pays the difference between what you owe on your vehicle and what it’s worth. Or, you may want to purchase new car replacement coverage, which pays to purchase a new vehicle of the same make and model if your vehicle is totaled.
methodology
bankrate uses quadrant information services to analyze 2021 rates for all zip codes and carriers in all 50 states and washington, d.c. Rates quoted are based on a 40-year-old male and female driver with a clean driving record, good credit, and the following total coverage limits:
To determine the minimum coverage limits, Bankrate used a minimum coverage that meets each state’s requirements. our base drivers own a 2019 subaru wrx, commute five days a week and drive 12,000 miles a year.
These are sample rates and should only be used for comparison purposes.
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