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Old 01-06-2004, 01:33 PM   #1
wrx2b
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Default Insurance rates: WRX vs STi

Hey everyone,

I am about to buy a WRX, either the 2.0 or the STi. Needless to say, the STi would be my first pick but I have a limited budget and must take insurance into account for the total monthly payment (car payment + insurance).

I am 22 (wish it was 3 years from now...) and live in Fresno, California. I would like to know what WRX and STi owners (preferrably in California, but other states would be helpful too) are paying for their insurance. This will likely be the deciding factor for me (unfortunately...).

Thanks!
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Old 01-06-2004, 01:39 PM   #2
cgroppi
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Some people *currently* pay less on a STi than they would on a WRX. My insurance company (American Express) does not have the STi in their system yet because it's too new. My rates are based solely on the MSRP of the car, and I would guess that would be the case with most other companies. Amex said it would be 1-2 years before they have enough data to rate the STi. I expect my rates will go up at that point.

I recommend you call up your car insurance company and ask what it would cost for both cars. I did this before I bought my STi. You can even get quotes from other companies. Just tell them you're car shopping and want an insurance quote on the cars you're looking at. They'll be happy to give you one. It's impossible to use other people's rates to guess your own. I'm 29, married and have no tickets or accidents in the last 3 years. My insurance could be different from yours by several hundred percent.
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Old 01-06-2004, 02:09 PM   #3
wrx2b
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Thanks, cgroppi. Wise words

Indeed I have asked for quotes online, but am still waiting for them to get back to me.

I called 21st and they gave me an absurdly high quote for both the WRX and STi, so I would like to know what others are paying, especially if they are using less known companies I haven't heard of.

I doubt about the several hundred percent difference between your insurance and mine (I've been driving for 6 years and have never had an accident or ticket), although I agree that there could/would be an obvious difference (100% at the very most, i.e., twice as much), also because of location.

Thanks for your help anyway.

Cheers
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Old 01-06-2004, 02:16 PM   #4
Rev1
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My rates are higher for my STi than they were for my Acura CL and 330i ... $687 for 6 mos... darn it ... State Farm ... No accidents, no tickets...
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Old 01-06-2004, 04:00 PM   #5
cjbruce
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The same question has been asked several times in the last few months. Try a search for "WRX insurance".

For mine - $507/6 mos for the WRX and $516/6 mos for a 2000 Civic VP for both my wife and I to drive. I use USAA (only available to military and dependents in California) and am pretty sure the STI rate would be based solely on their Impreza model and MSRP. They have insufficient data on the car to differentiate WRX models, so I don't think the STI is even a blip on the radar screen at this point.
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Old 01-06-2004, 05:54 PM   #6
reno_bk
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WRX Rate Increase:

AMEX insurance just bumped my insurance up $150/yr (to $1150/yr) out of the blue...no tix or accidents on my record. I called to find out why and they gave me the standard response ("your model of car has experienced increased losses over the past year and has caused a rate increase across the board, blah blah blah...).

Interestingly, when I first bought my wagon in July, AMEX had it in the computer as an STi with an MSRP of $31K. I called to find out what gives and they said that all 04 Imprezas in their system (as of 7/03) had an MSRP of $31K, but he manually adjusted it down to $24K for me and lowered my annual premium back to $1000 from $1150. This time, though, the increase apparently applies to all imprezas.

Not much difference for me (insurance wise) between my 04 wagon and an STi...

Brian
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Old 01-06-2004, 10:08 PM   #7
lstepnio
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The STi insurance rates should end up being less expensive by a little compared to the WRX once data is established. The fact that in general the STi will be driven by more responsible people soley due to the higher MSRP. One perfect example is that insurance by a given driver would be less on Mustang Cobra compared to a less powerful and less expensive Mustang GT of the same year. That being said my insurance went up about $100/yr when I swapped the policy from my '02 WRX to the '04 STi. This small rate increase is most likey due to the fact that STi would be more expensive to replace if totaled and that the "data" on the STi is based on the WRX.
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Old 01-06-2004, 10:40 PM   #8
PARANOID56
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Thats some cheap insurance, i have an 03 RS2.5 and pay 920 every 6months, and thats the cheapest i can find, i have no tickets, or anything on my record, and thats with all the discounts i could get.
Shane
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Old 01-07-2004, 04:49 PM   #9
phillie72
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I'm at $780 for 6 mo. on the STi thru State Farm. I'm 33 yrs old, live in SoCal have no tickets and no accidents. According to my agent they do see the STi as a different car than the WRX. I asked, she said insurance company gives rating to car in the form of a number example Camry is a 20, STi is a 32, Porsche 911 is a 60 and a Vette is an 82. Call your agent, 22 I'm sure your payment would at least be double what I pay, hope this helps, good luck.
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Old 01-09-2004, 07:24 PM   #10
wrx2b
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Thanks to you all! I think I can manage the STi! I'll be able to keep car payment+insurance below $600/month.

Hope to contribute in the future as an owner, not just a "wrx2b"!
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Old 01-10-2004, 10:43 PM   #11
Tanman
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Default Difference on opinion

The insurance for my STi is up for renewal in February so I've been checking around. I'm currently insured by State Farm at ~$650\6 months. I'm having problems with State Farm on my renter's insurance, so I checked with All State and Farmer's, and they both quoted $1200\6 months for the STi. I haven't checked with State Farm to see if my rates are going to go up, but I'm pretty sure they will. It seems the big 3 insurance companies now know what the STi is and they believe it will be a big target for thieves and will be driven by idiots. When I talked to the All State agent, she said the Sti was "flagged" as a high-risk car.

For reference, I am 28, single, no accidents in the past 5 years, with one speeding ticket that I'm not sure is on my driving record, and I live in a rural area in a town of less than 20,000 in Wyoming. Even with all of these factors, two of the big 3 still want $1200\6 months for full coverage.

One good thing though, I got a quote from Progressive for full coverage with high coverage amounts for $626\6 months for the STi. I'm going to check with Geico to see if I can do beter than that.
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Old 01-12-2004, 12:12 PM   #12
craigmp50
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In NY state, 800$ / year for 04'WRX, about a 25% jump from my ho-humm Saturn SC. No tickets or accidents.
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Old 01-12-2004, 01:56 PM   #13
Tanman
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I checked with State Farm, who I currently have coverage with on my 04 STi, and I've been paying ~$650\6 months (including a multi-line discount for having other insurance with them). Now the premium is $930\6 months without the multi-line discount.
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Old 01-13-2004, 07:32 AM   #14
occytron wrc
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I am 26 with no tickets or accidents and I pay $550/6 months for the wrx and $350/6 months for the Pathfinder. The insurance is through Progressive.
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Old 01-24-2004, 10:03 PM   #15
tkavan01
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can anyone in NJ driving and STI tell me what kinda rates your paying?
I've been wanting an sti, and can afford the price tag, but unfortunetly nj stinks the dealer thinks my rates will be in the 5000-7000 a year range(i don't like you guys in california very much) is this true? I'm almost 24 and am going to be married,
unfortunetly i could only afford the sti if my insurance was around 3000 a year...

thanks
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Old 01-26-2004, 06:32 PM   #16
DieselClown
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Quote:
Originally posted by tkavan01
can anyone in NJ driving and STI tell me what kinda rates your paying?
I've been wanting an sti, and can afford the price tag, but unfortunetly nj stinks the dealer thinks my rates will be in the 5000-7000 a year range(i don't like you guys in california very much) is this true? I'm almost 24 and am going to be married,
unfortunetly i could only afford the sti if my insurance was around 3000 a year...

thanks
NJ's got the highest insurance rates in the country. I'm in NY and was quoted $6000+ a year for the 04 WRX. 24, single, had license since 17, accident at 18, no moving violations. BTW, I currently drive a 95 altima beater and I pay $2800/year for LIABILITY only. NY sucks.
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Old 01-31-2004, 03:13 AM   #17
it8ezbngrn
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Mine is going to go up $20 a month from a WRX to a STi. I'm 30 with no tickies, no boo boos. I pay $660 or so every 6 months. Seems high.
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Old 06-28-2011, 06:41 AM   #18
DennisAltered
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Quote:
Originally Posted by lstepnio View Post
The STi insurance rates should end up being less expensive by a little compared to the WRX once data is established. The fact that in general the STi will be driven by more responsible people soley due to the higher MSRP. One perfect example is that insurance by a given driver would be less on Mustang Cobra compared to a less powerful and less expensive Mustang GT of the same year. That being said my insurance went up about $100/yr when I swapped the policy from my '02 WRX to the '04 STi. This small rate increase is most likey due to the fact that STi would be more expensive to replace if totaled and that the "data" on the STi is based on the WRX.
ya i noticed that too... i havent had any tickets for 8 years was paying 167 for wrx then i got an sti and im paying 114... monthly
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Old 06-28-2011, 06:49 AM   #19
DKDunn04
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Did you look at the last post date?
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Old 06-29-2011, 11:23 AM   #20
Grusselgrosser
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lolllllll
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