Insurance Costs Comparo: Focus ST vs. Mazdaspeed3 vs. WRX Special Edition

You’ve read the Motor Trend comparison test about the Ford Focus ST, Mazdaspeed3, and Subaru Impreza WRX Special Edition, but how do the sporty four-doors compete when it comes to insurance costs? CoverHound has taken a look at the insurance considerations of the three cars to find out. As it relates to vehicles, insurers factor in the following four characteristics to calculate their pricing: safety ratings, rates of theft, cost to replace parts, and damage susceptibility. So which 2013 model came up on top in this comparison?

The CoverHound data below controls for driver variables such as education, age, accident history, credit, and geography.

Insurance costs WRX Mazdaspeed3 Focus ST image

The WRX Special Edition is significantly more costly to insure — 16 percent higher than the Mazda, and a whopping 28 percent higher than the Focus ST. It is hard to pin down with certainty that any one of these models is safer, more likely to be stolen, or more likely to be damaged, but we think what might be driving the bulk of the insurance cost difference is the special-edition WRX’s lower-volume replacement parts. In the comparison, the WRX Special Edition sedan had a higher base price and as-tested price as compared to the Focus ST and Mazdaspeed3.

The Focus ST makes a strong debut in this comparison, and we look forward to seeing whether the insurance premiums remain comparatively low as more enthusiasts get their hands on the cars.

If you must have the WRX but are scared away by the insurance costs of the special edition, you may want to consider the standard 2013 WRX sedan. Choosing the slightly less flashy Impreza will save you almost a couple hundred bucks a year.

Subaru WRX insurance costs chart image

About the data:

Data uses nationwide average across CoverHound carriers for each vehicle with following driver profile: average credit, currently insured, age 30, no accidents or violations, single, male, renter. The rates generated assume full coverage on vehicle and 100/300 bodily injury limits.

By CoverHound

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