Insurance for WRX's and STI's

[Dzanga]

21 2012 wrx hatch 500k limits on everything, glass, towing, and $500 deductible. $173 a month with liberty mutual. And when I picked up my car since I have liberty mutual for a extra $1000 I got a 100,000 Mile bumper to bumper warranty.

[norazi-j]

I'm 25. 2004 STi. Full coverage, $500 deductible. I pay about $79 a month through Farmers.

[junior532]

I just joined the WRX community with my purchase of a 2012 WRX in April. I was a Legacy GT driver before getting my rex, and have to say I'm glad I finally moved up to the WRX.

I recently received my new insurance quote after moving to a new state (Kansas). I was quoted at $2,163.37 (through Safeco) annually by my insurance agency. This seemed awfully high compared to my previous premiums, and what I've read on this site.

I know it depends on the coverage, this was for a $500 deductible, though I know with a $1000 deductible it would drop down to ~$1800 annually. It also hurts that I am a 21 year old male, but I have no speeding tickets or accidents, which is why I still feel that ~$2200 annually is sky high.


What are you fellas paying annually in insurance premiums?

[michaelwfox]

$99 per month/State Farm/06 WRX/Full Coverage - deductibles - $250 Comp - $500 collision/26 with a clean 7 year history.

[rage-wrx]

Insurance rates are all relative. Younger drivers below 25 are considered high risk by insurance companies so your rates will be higher even if you do not have any violations.

I pay $70 with $500 deductible/GEICO/Full coverage no tickets,married,multiple cars,Umbrella insurance ,etc.

Check out the Insurance thread Insurance for WRX's and STI's

[junior532]

Insurance rates are all relative. Younger drivers below 25 are considered high risk by insurance companies so your rates will be higher even if you do not have any violations.

I pay $70 with $500 deductible/GEICO/Full coverage no tickets,married,multiple cars,Umbrella insurance ,etc.

Check out the Insurance thread Insurance for WRX's and STI's

Thanks for the response/link.

Yeah that's what my co-worker was telling me about today as well, having your house/multiple cars on one policy drastically lowers it.

Guess I'll just have to pay the price until I turn 25.

[DemonWRX]

I would shop around a bit, that does seem a little high

[Soobvirgin]

Mine is just under $1400 with a $250 deductible and I'm 34 (wow... am I really? How'd that happen??). It's with State Farm as my wife's uncle is an agent and her Mother also works in the office. If I went elsewhere, they'd probably key the car (joke). So $2200 doesn't sound bad if you're 21. I'm surprised you could even get insured on a WRX at that age.

[DemonWRX]

you do realize we have 17 year old STi drivers here right?

[wrxtreme06]

mine recently went up. [boo]

$1680/year
23
no tickets no accidents

[RayfieldsWRX]

I checked out our last statement...seems that my premiums have actually dropped. I'm paying ~$30/month for the 2002 WRX, for Liability/Collision/Comprehensive. Getting old is swell.

[DemonWRX]

mine recently went up. [boo]

$1680/year
23
no tickets no accidents

That sucks! did they say why?

I checked out our last statement...seems that my premiums have actually dropped. I'm paying ~$30/month for the 2002 WRX, for Liability/Collision/Comprehensive. Getting old is swell.

yeah, but you have multiple vehicles + married + god knows what else.

Though, yes, getting old does have a few perks. Last year, shortly after my birthday, my insurance agent sent me a letter that they were lowering my monthly premiums, with no explanation (I was not gonna argue). Right now I'm payen $88 a month for Liability/Collision/Comprehensive with a few other bells/whistles. The funny thing is that I paid about $30 more a month for my old tC.

[teflon_jones]

I'm 25. 2004 STi. Full coverage, $500 deductible. I pay about $79 a month through Farmers.

Did you have the car and that insurance before you turned 25? Just curious what the difference was when you ticked over to the lower insurance bracket.

It also hurts that I am a 21 year old male, but I have no speeding tickets or accidents, which is why I still feel that ~$2200 annually is sky high.

Insurance rates are all relative. Younger drivers below 25 are considered high risk by insurance companies so your rates will be higher even if you do not have any violations.

Yup that's critical along with your record. If you're under 25 your insurance will be high, especially if you drive a car in the insurance class of a WRX. I bet your insurance on an STI would be at least 50% more through the same company or even double.

Now if you're an old man like me, your rates can still be sky high if you've got a lot of tickets. At one point I was paying $1400/month in insurance. Don't even ask how many tickets I had..... Most companies wouldn't even insure me and I had to call about 20 companies to find one that would.

Yeah that's what my co-worker was telling me about today as well, having your house/multiple cars on one policy drastically lowers it.

Guess I'll just have to pay the price until I turn 25.

You usually only get a 10% discount for multi-policy, and that comes off the lowest-priced policy you have, which will generally be your homeowners. Your car insurance will stay exactly the same.

You'll be very happy to see the insurance decrease when you turn 25!

[DemonWRX]

for me, pre and post 25 rates were about the same cost, but for better coverage.... Under 25 I was paying about $135 for state minimum liability only....at 26 I was paying about $125 for full coverage.

[rexload]

Age: 26 years old
Car: 2012 WRX hatch
City: Pittsburgh, PA
Insurance: Erie Insurance Co
Coverage: Full
Deductible: $150
Monthly payment: $55