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Old 01-12-2001, 06:22 PM   #1
Scooby Specialist
Member#: 3536
Join Date: Jan 2001
Chapter/Region: SCIC
Location: SD, OC
2002/2003 AW/PSM WRX

Question Will insurance increase because the WRX is a turbo?

I am going to be 18 years old next month and am thinking about getting a WRX. How much more will insurance be compared to the N/A version of the car. Ohh yeah I have a clean record and the car will probably be under my parents name. Thanks!
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Old 01-12-2001, 06:38 PM   #2
Scooby Newbie
Member#: 551
Join Date: Nov 1999
Location: Bethany, CT
2001 S4


There will almost invariably be a "performance" surcharge
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Old 01-12-2001, 06:49 PM   #3
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Member#: 1473
Join Date: May 2000
Location: San Juan, Puerto Rico
2005 Legacy GT 5MT
Satin White Pearl


if its under your parents name, and youre not mentioned as the primary driver i think there will be no problem... since the car is a sedan, and all wheel drive it may also help balance out the fact that its turbo...
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Old 01-12-2001, 06:54 PM   #4
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Member#: 775
Join Date: Jan 2000
Location: usa

AWD usually costs more though. Shame on us for driving safer cars!

Really I think the only 2 things that will save you are the fact that it is a 4door (family car) and that your record is clean. Keep that record clean though, or you will take it in the.... ...you know what I mean.

Good luck man!
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Old 01-12-2001, 06:54 PM   #5
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Member#: 3021
Join Date: Nov 2000
Location: Perth, Western Australia
1997 Mitsubishi
Lancer Evolution IV GSR


I would expect higher insurance rates, if not immediately, within a few years...
In Australia insurance was very high due to the the WRX's popularity with theives (they quickly found out that these cars could outrun and out-manoeuvre the police cars), and the tendancy for owners to push their vehicles to the limits.
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Old 01-12-2001, 07:02 PM   #6
Homicidal Maniac
Member#: 1612
Join Date: Jun 2000
Location: Austin, TX
2008 STI


I concur with SubieRacer: AWD according to the insurance companies, is the EXACT same as 4WD. This raises the insurance rates.
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Old 01-12-2001, 07:20 PM   #7
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Member#: 2878
Join Date: Nov 2000
Location: Nuevo Mexico, usa
06 Evo IX MR


As a former Saab driver and employee - you betcha.
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Old 01-12-2001, 07:23 PM   #8
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Member#: 2468
Join Date: Sep 2000
Chapter/Region: South East
Location: JAX
08 RS4
05 STi - Gone


Nah, rates will go down because you will respect the power and never drive fast.
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Old 01-12-2001, 11:17 PM   #9
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Member#: 2827
Join Date: Nov 2000
Location: Woodland, CA
2002 WRX wagon
Silver, baby, silver


Rates will be low at first because its a four door and based on a compact car, but rates will skyrocket if people start bending them...

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Old 01-12-2001, 11:32 PM   #10
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Join Date: Sep 2000
Chapter/Region: BAIC
Location: Fire Caves
2016 Commodore SS
Heron White


In all seriousness: Its entirely dependent on the Company.

I saw an Insurance chart for Imprezas (previous models) from about 10 companies from specific states... Only 4 of them differentiated between the RS and the L, even though we all know the RS is of the "performance" variety In fact, the Insurrance for the current RS is generally lower than most cars, because the companies are too stupid...

It depends on if the WRX will catch them off-guard. If they actually look carefully and notice its a Turbo, then it should go up... But if they see 4-doors, Side impact air bags, as well as great crash test ratings, then they might not differentiate between the 2002 regular Impreza's and the WRX...

Its anybodys call right now, so shop around when you do look for insurance, you might find a stupid company out there rather easily
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Old 01-13-2001, 01:38 AM   #11
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Member#: 2736
Join Date: Oct 2000
Chapter/Region: SCIC
Location: Los Angeles, CA US
2001 Impreza 2.5RS
Aspen White


If memory serves me right, the insurance rates of a turbo car is double the N/A version. If it's not double, it's close to double. For the sake of saving money, don't put yourself as primary driver, unless you don't really care. Good luck and try staying out of trouble...although I know it's hard when you're driving a car that was once known as "the road's best kept secret."
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Old 01-13-2001, 01:38 AM   #12
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Member#: 133
Join Date: Aug 1999
Chapter/Region: NWIC
Location: Burlington, WA


All they will want to know is your driving record and the cars VIN#. That will tell them everything that they want to know. If any insurance company sees a designation for a turbo engine then the insurance will be higher then a regular non-turbo model. Don't expect the air bags and 4drs to help too much because they already know that a sedan can be fast adn expensive. After all BMW makes alot of fast expensive cars already. The 4drs will mean about as much as putting an alarm on a car. Only likely to lower the rate just slightly. Besides if the WRX is a world car then they can always compare costs for repairs and thefts in the rest of the world as well as in the US. Somebody should have gotten the VIN# off of the car at the auto show and called a few companies using the new WRX's VIN# to see what they'd say.
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Old 01-13-2001, 09:11 AM   #13
Scooby Newbie
Member#: 3490
Join Date: Jan 2001
Location: Austin, TX

After speaking with my insurance company about this very thing, they tell me that although the rates may rise some, it'll be based much more on parts availability than performance.

Although I'd be willing to bet that the more WRX highway pretzels we see, the higher the rates will get. Basically though they're telling me that the more common the car, the cheaper it is to replace parts, barring you making it into an accordian.

We'll see...

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Old 01-13-2001, 09:28 AM   #14
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Member#: 1346
Join Date: Apr 2000

In Australia insurance was very high due to the the WRX's popularity with theives (they quickly found out that these cars could outrun and out-manoeuvre the police cars)
I heard this story when I was over there too. Seems like Aussie thieves are much brighter than the American thieves. Ever seen someone in a Civic try to outrun a cop car?

Well, maybe those new "Impala" cop cars but against a Caprice? Or even a Vic?
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Old 01-13-2001, 11:54 AM   #15
Scooby Specialist
Member#: 3536
Join Date: Jan 2001
Chapter/Region: SCIC
Location: SD, OC
2002/2003 AW/PSM WRX


Are Subaru parts cheap and easy to find?
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Old 01-13-2001, 01:09 PM   #16
Scooby Specialist
Member#: 2760
Join Date: Oct 2000
Chapter/Region: NESIC
Location: Hudson, NH
'08 4Runner V8 Ltd
'10 Tundra Ltd CrewMax


Insurance rates are based on many things by many different companies. Some look at how often the car is stolen, crashed, etc. Lots of factors, but I found that my new '01 Impreza RS Sedan was a few bucks less then my 3 year-old Integra LS 2-door. Go figure.

All things being equal, the insurance will be higher comparing a '02 WRX to the regular 2.5RS because the base price is higher. When they start to look at the horsepower, etc., it may go even higher, all the more reason to keep what I got.

- Ken
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Old 01-14-2001, 07:50 AM   #17
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Member#: 2184
Join Date: Aug 2000
Location: Highland Park, Ill., USA
2005 Legacy GT wagon
Platinum Silver Metallic


The other thing I'm curious about, and perhaps RS owners who are so inclined could post bills when renewals arrive, is what will happen to the RS?

If this board is indeed a microcosm of the world at large, given all of the sacrifices to the Scooby gods of late, I wonder if all the loss activity will make insurers reconsider the RS, or are such things done on an individual basis? I think of the rather egregious tariffs companies charge to insure Camaros and Mustangs.

And I would definitely think that the WRX will be more to insure than the RS. To insurance companies, unless they've dramatically changed their spots, turbo=trouble (for them).

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