Is the Subaru WRX expensive to insure?

The Subaru WRX is more expensive to insure than most Subaru vehicles, but it’s on the low end when it comes to sports car insurance. That’s because Subaru’s low-cost engineering and overall focus on safety make the WRX a less risky bet for insurance companies than many sports cars with a greater emphasis on high speed and performance at the cost of safety.

Does a WRX hold its value?

Subaru’s reliable engineering often means that a WRX sports car will hold its value better than other vehicles in the same class. That said, regular maintenance is key to maximizing your WRX’s lifespan and resale value.

What is the cheapest sports car to insure?

The cost of sports car insurance depends heavily on the model you drive as well as the age and condition of the car, your age, annual mileage and location. On average, the Subaru WRX is among the cheaper sports cars to insure, with annual premiums around $3,000 per year for full coverage. However, you may also find affordable rates for cars like the Mazda MX-5 Miata or the Toyota Supra.

Car Insurance for Subaru WRX

How much does it cost to insure a Subaru WRX?

On average, it costs around $3,000 per year to insure a Subaru WRX with full coverage auto insurance. That’s well above the national average of $2,671 per year, but with good reason.

Insurers base the price of auto insurance in part on the risk factors associated with the make and model of the car you drive. In most cases, those pricing calculations focus on the car’s value, its safety features and performance in crash tests, along with personal risk factors. But for sports cars like the Subaru WRX, the type of driving associated with your car adds to the risk of insuring it. While the WRX is certainly capable of grocery runs and mundane commuting, it’s built for high-speed, high-energy driving — a draw for many buyers, but a red flag for insurers.

$3,000 Avg annual full coverage
insurance premium

$799 Avg annual min coverage
insurance premium

Manufacturer’s suggested retail price (MSRP): From $37,750

Trims available: Premium, Limited, GT and tS

Repair costs

Repairing a sports car like the WRX often costs more than repairs for other cars, thanks to the added equipment that gives the car its performance edge. Because these components may cost more or be harder to source, insurance companies may charge a higher rate.

Safety features

While some sports cars eschew safety tech, the WRX comes standard with several key ADAS systems: forward collision mitigation, adaptive cruise control, lane-keeping systems and even driver attention warnings to reduce the threat of on-road drowsiness. These systems could offset the risk associated with the WRX’s performance specs.

Crash ratings

In line with its robust safety tech, the 2025 Subaru WRX received a Top Safety Pick designation from the Insurance Institute for Highway Safety, making it one of the more crashworthy sports cars on the market.

Cheapest car insurance companies for a Subaru WRX

While no single insurance company offers the cheapest insurance for all WRX owners, there’s an advantage to comparing rates from multiple carriers for the same vehicle. Each insurer’s rating algorithms may deal with sports cars differently, making certain companies a good fit for WRX insurance. To get the process started, Bankrate analyzed average premium data from Quadrant Information Services to find top-rated providers with national or regional coverage with the lowest average premiums for the Subaru WRX.

How much does it cost to insure my Subaru WRX?

The cheapest car insurance companies for a Subaru WRX, on average, include the five carriers listed below.

2023 Subaru WRX car insurance premium by carrier


Auto-Owners	$1,984	- $1,016
USAA	$2,192	- $808
Nationwide	$2,408	- $592
Travelers	$2,498	- $502
Geico	$2,573	- $427

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers

ZIP Code

Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a Subaru WRX

For a sports car like the WRX, standard auto coverage options may not offer enough financial protection. Consider making the following adjustments to your coverage when buying insurance for a Subaru WRX:

High liability limits: State minimum liability coverage isn’t enough for most drivers, and that goes double for sports car owners, who may carry a higher risk of at-fault accidents than others. Make sure that your policy has sufficient liability coverage to cover all of your assets.
Comprehensive and collision coverage: Even if you don’t have an auto loan or lease that requires full coverage, it’s worth protecting your investment with physical damage coverage.
Gap or new car replacement coverage: If you buy your WRX new, consider adding one of these endorsements to protect your wallet in the event of a total loss shortly after purchase.

How to get a Subaru WRX car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Subaru WRX with other similar cars

Subaru WRX Avg annual full coverage premium $3,000 Read More	Mazda MX-5 Miata Avg annual full coverage premium $2,474 See more models	Audi A3 Avg annual full coverage premium $3,061 Read More
Price (MSRP)
$37,750	$29,530	$38,200
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
5 stars	Not rated	Not rated
Gas mileage
19-26 mpg	26-34 mpg	24-34 mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Average	Average	Above average

Frequently asked questions

The Subaru WRX is more expensive to insure than most Subaru vehicles, but it’s on the low end when it comes to sports car insurance. That’s because Subaru’s low-cost engineering and overall focus on safety make the WRX a less risky bet for insurance companies than many sports cars with a greater emphasis on high speed and performance at the cost of safety.
Subaru’s reliable engineering often means that a WRX sports car will hold its value better than other vehicles in the same class. That said, regular maintenance is key to maximizing your WRX’s lifespan and resale value.
The cost of sports car insurance depends heavily on the model you drive as well as the age and condition of the car, your age, annual mileage and location. On average, the Subaru WRX is among the cheaper sports cars to insure, with annual premiums around $3,000 per year for full coverage. However, you may also find affordable rates for cars like the Mazda MX-5 Miata or the Toyota Supra.

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.