Subaru Crosstrek Insurance Rates
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UPDATED: Jun 6, 2023
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Estimated insurance rates for a Subaru Crosstrek are $1,174 a year for full coverage insurance. Comprehensive costs on average $250, collision insurance costs $400, and liability is $388. Liability-only insurance costs around $434 a year, and high-risk driver insurance costs around $2,526. Teens pay the most at up to $4,406 a year.
Average premium for full coverage: $1,174
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all Crosstrek models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Subaru Crosstrek range from as low as $434 for just liability coverage to the much higher price of $2,526 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects car insurance rates.
These rate differences illustrate why everyone should compare rates quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below illustrates average Subaru Crosstrek insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $683
- Raising to $1,000 deductibles will save around $148 each year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,174
- Selecting pricier low deductibles will increase the cost to $1,458
- Drivers with serious driving violations could pay upwards of $2,526
- An auto insurance policy for full coverage for a 16-year-old driver for full coverage may cost $4,406
Insurance prices for a Subaru Crosstrek also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $4,400 a year. View Rates by Age
Where you choose to live also has a big influence on Subaru Crosstrek insurance prices. A middle-age driver might find prices as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,580 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,060 | -$114 | -9.7% |
Alaska | $898 | -$276 | -23.5% |
Arizona | $974 | -$200 | -17.0% |
Arkansas | $1,174 | -$0 | 0.0% |
California | $1,336 | $162 | 13.8% |
Colorado | $1,118 | -$56 | -4.8% |
Connecticut | $1,202 | $28 | 2.4% |
Delaware | $1,324 | $150 | 12.8% |
Florida | $1,464 | $290 | 24.7% |
Georgia | $1,084 | -$90 | -7.7% |
Hawaii | $844 | -$330 | -28.1% |
Idaho | $794 | -$380 | -32.4% |
Illinois | $872 | -$302 | -25.7% |
Indiana | $884 | -$290 | -24.7% |
Iowa | $790 | -$384 | -32.7% |
Kansas | $1,112 | -$62 | -5.3% |
Kentucky | $1,598 | $424 | 36.1% |
Louisiana | $1,736 | $562 | 47.9% |
Maine | $722 | -$452 | -38.5% |
Maryland | $968 | -$206 | -17.5% |
Massachusetts | $936 | -$238 | -20.3% |
Michigan | $2,034 | $860 | 73.3% |
Minnesota | $980 | -$194 | -16.5% |
Mississippi | $1,402 | $228 | 19.4% |
Missouri | $1,040 | -$134 | -11.4% |
Montana | $1,258 | $84 | 7.2% |
Nebraska | $922 | -$252 | -21.5% |
Nevada | $1,406 | $232 | 19.8% |
New Hampshire | $846 | -$328 | -27.9% |
New Jersey | $1,308 | $134 | 11.4% |
New Mexico | $1,034 | -$140 | -11.9% |
New York | $1,232 | $58 | 4.9% |
North Carolina | $674 | -$500 | -42.6% |
North Dakota | $960 | -$214 | -18.2% |
Ohio | $808 | -$366 | -31.2% |
Oklahoma | $1,202 | $28 | 2.4% |
Oregon | $1,072 | -$102 | -8.7% |
Pennsylvania | $1,118 | -$56 | -4.8% |
Rhode Island | $1,562 | $388 | 33.0% |
South Carolina | $1,062 | -$112 | -9.5% |
South Dakota | $988 | -$186 | -15.8% |
Tennessee | $1,024 | -$150 | -12.8% |
Texas | $1,412 | $238 | 20.3% |
Utah | $866 | -$308 | -26.2% |
Vermont | $800 | -$374 | -31.9% |
Virginia | $702 | -$472 | -40.2% |
Washington | $902 | -$272 | -23.2% |
West Virginia | $1,074 | -$100 | -8.5% |
Wisconsin | $808 | -$366 | -31.2% |
Wyoming | $1,042 | -$132 | -11.2% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $440 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $349 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,400 to $1,900 additional annually, depending on your age. Subaru Crosstrek insurance for high-risk drivers is expensive and can cost from 43% to 133% more than the average policy. View High Risk Driver Rates
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 Subaru Crosstrek | $260 | $424 | $384 | $1,204 |
2017 Subaru Crosstrek | $250 | $400 | $388 | $1,174 |
2014 Subaru Crosstrek | $216 | $310 | $394 | $1,056 |
2013 Subaru Crosstrek | $210 | $288 | $402 | $1,036 |
Rates are averaged for all Subaru Crosstrek models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Affordable Subaru Crosstrek Insurance
Finding better rates on insurance for a Subaru Crosstrek consists of being a good driver, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to shop around at every other renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following list is a brief review of the concepts that were raised in the charts and tables above.
- Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,350 more each year than a safer driver
- Drivers age 16 to 20 pay higher prices, with premiums being up to $367 per month including comprehensive and collision insurance
- It is possible to save as much as $140 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $425 each year
- It is possible to save as much as $140 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,406 |
20 | $2,682 |
30 | $1,216 |
40 | $1,174 |
50 | $1,072 |
60 | $1,052 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,458 |
$250 | $1,326 |
$500 | $1,174 |
$1,000 | $1,026 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,174 |
50/100 | $1,252 |
100/300 | $1,349 |
250/500 | $1,601 |
100 CSL | $1,290 |
300 CSL | $1,504 |
500 CSL | $1,659 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,274 |
20 | $4,270 |
30 | $2,574 |
40 | $2,526 |
50 | $2,408 |
60 | $2,386 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $62 |
Multi-vehicle | $62 |
Homeowner | $18 |
5-yr Accident Free | $83 |
5-yr Claim Free | $76 |
Paid in Full/EFT | $51 |
Advance Quote | $56 |
Online Quote | $83 |
Total Discounts | $491 |
Discounts are estimated and may not be available from every company or in every state.
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