Liability car insurance for a Subaru WRX costs less than full coverage, but it is still higher than liability insurance for most regular sedans. On average, liability only car insurance for a Subaru WRX in the USA costs between $900 and $1,400 per year. That equals about $75 to $120 per month. Your exact price depends on your age, state, driving record, and insurance limits.
The Subaru WRX is a turbocharged performance sedan. Insurance companies see it as a higher risk vehicle because it has strong acceleration, sport tuning, and a history of higher claim rates. Even when you buy only liability insurance, insurers still factor in the car type and the driver profile. This is why WRX liability insurance costs more than liability insurance for cars like the Toyota Corolla or Honda Civic.
Many WRX owners choose liability only coverage to save money, especially if the car is older and fully paid off. Liability insurance only pays for injuries and property damage you cause to others. It does not pay to fix your Subaru WRX after an accident, theft, or weather damage. This makes it cheaper, but also riskier.
If you are a young driver, expect to pay more. Drivers under 25 often pay over $1,600 per year even for liability only coverage. Drivers over 30 with a clean record may pay closer to $900 per year. Where you live also plays a big role. States with high traffic, high medical costs, or strict insurance laws usually have higher rates.
Average Cost of Liability Insurance for a Subaru WRX
Liability only insurance is the cheapest legal coverage you can buy in most states. Below are national averages for Subaru WRX liability insurance.
Average Subaru WRX Liability Insurance Cost
| Coverage Type | Annual Cost | Monthly Cost |
| State minimum liability | $900 to $1,200 | $75 to $100 |
| Higher liability limits | $1,100 to $1,400 | $90 to $120 |
State minimum coverage meets legal rules but often provides low protection. Higher limits cost more but protect your savings if you cause a serious accident.
Why Liability Insurance for a Subaru WRX Costs More
Even without full coverage, Subaru WRX liability insurance costs more than average. Here is why.
Key Cost Factors
- Performance car label
The WRX has a turbo engine and sport handling. Insurers link it to faster driving. - Accident data
WRX models show higher claim frequency than normal sedans. - Young driver demand
Many WRX drivers are under 30, which raises overall risk models. - Repair severity
While liability does not cover your car, insurers still assess accident damage trends.
Because of these factors, insurers charge more even for liability only policies.
Subaru WRX Liability Insurance Cost by Driver Age
Age is one of the strongest pricing factors.
| Driver Age | Average Annual Cost |
| 18 to 20 | $1,800 to $2,300 |
| 21 to 25 | $1,400 to $1,800 |
| 26 to 30 | $1,100 to $1,400 |
| 31 to 40 | $950 to $1,200 |
| 41 to 55 | $900 to $1,100 |
| 56 and up | $850 to $1,050 |
Rates drop as drivers gain experience and keep clean records.
Subaru WRX Liability Insurance Cost by State
Your location can change your price by hundreds of dollars.
Sample Annual Costs by State
| State | Average Cost |
| California | $1,300 |
| Texas | $1,150 |
| Florida | $1,400 |
| New York | $1,500 |
| Illinois | $1,100 |
| Ohio | $950 |
| North Carolina | $900 |
States with high population density and medical costs often charge more.
What Does Liability Insurance Cover for a Subaru WRX?
Liability insurance only protects others, not your car.
Covered by Liability Insurance
- Injuries to other drivers or passengers
- Damage to other vehicles
- Damage to property like fences or buildings
Not Covered
- Damage to your Subaru WRX
- Theft or vandalism
- Weather damage
- Hit and run damage to your car
This is why liability only coverage works best for older, low value WRX models.
Is Liability Insurance Enough for a Subaru WRX?
It depends on your situation.
Liability Only May Make Sense If
- Your WRX is fully paid off
- The car has low resale value
- You can afford repair or replacement costs
- You drive carefully and rarely commute
Liability Only Is Risky If
- Your WRX is newer
- You rely on the car daily
- You cannot afford repair costs
- You live in a high accident area
Many drivers accept the risk to lower monthly costs.
Subaru WRX Liability vs Full Coverage Cost Comparison
| Coverage Type | Annual Cost |
| Liability only | $900 to $1,400 |
| Full coverage | $2,200 to $3,000 |
Liability only can save over $1,500 per year.
How Driving Record Affects Subaru WRX Liability Insurance
Your record matters more than the car itself.
Typical Rate Changes
- Clean record keeps rates low
- One speeding ticket raises rates 15 to 25 percent
- At fault accident raises rates 30 to 45 percent
- DUI can double your rate
Safe driving is the best way to control cost.
Subaru WRX Liability Insurance for Young Drivers
Young drivers pay the most.
Ways Young Drivers Can Save
- Stay on a parents policy
- Take a defensive driving course
- Maintain good grades
- Avoid modifications
These steps can cut hundreds per year.
Subaru WRX Liability Insurance for High Risk Drivers
Drivers with violations can still get liability coverage. Non standard insurers often help, but rates are higher. Over time, clean driving lowers costs.
Minimum Liability Limits for Subaru WRX by State
Each state sets its own rules.
Common State Minimums
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage
Higher limits offer better protection.
Does Modifying a Subaru WRX Affect Liability Insurance?
Yes.
Modifications That Raise Rates
- Engine tuning
- Turbo upgrades
- Suspension changes
- Racing parts
Always tell your insurer about mods.
Best Ways to Lower Subaru WRX Liability Insurance Cost
Practical Savings Tips
- Compare quotes every year
- Bundle auto and renters insurance
- Raise your deductible on other policies
- Pay your policy in full
- Keep a clean driving record
Shopping around works best.
Subaru WRX Liability Insurance for Older Models
Older WRX models often cost less to insure for liability. Lower car value and lower annual mileage help reduce rates.
Subaru WRX Liability Insurance and Loans
If your WRX is financed, lenders usually require full coverage. Liability only is allowed only after the loan is paid off.
Frequently Asked Questions
Most drivers pay between $75 and $120 per month.
Yes. Older models usually cost less.
It costs more than regular sedans but less than full coverage sports cars.
Yes, if it meets your state minimum rules and the car is not financed.
No. It only covers damage you cause to others.
Final Thoughts
Choosing liability insurance for a Subaru WRX can save money, but it also brings risk. Understanding your costs, limits, and options helps you make a smart decision. By comparing quotes and selecting proper limits, you can stay legal and protect your finances. Alias Insurance helps drivers across the USA compare free quotes from trusted insurers so you can find the right coverage at the best price.
