Subaru Crosstrek Insurance Rates

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Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Jun 6, 2023

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Subaru Crosstrek insurance

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:

Comprehensive $250
Collision $400
Liability $388

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.

Liability Only $434
Full Coverage $1,174
High Risk $2,526

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.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

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

View Chart as Image

Subaru Crosstrek insurance cost comparison chart
Column chart showing Subaru Crosstrek insurance rates range from $683 to $4,406 for full coverage

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.

Subaru Crosstrek Insurance Rates by State
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%

View Chart as Image

Subaru Crosstrek insurance rates by U.S. city

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

Subaru Crosstrek Insurance Rates by Model Year
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

Rates by Driver Age

Subaru Crosstrek Insurance 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

Subaru Crosstrek Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,326
$500 $1,174
$1,000 $1,026

Full coverage, driver age 40

Rates by Liability Limit

Subaru Crosstrek Insurance Rates with Different Liability Limits
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

Subaru Crosstrek Insurance 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.

SR-22 Surcharge $161

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
Rate after discounts $683

Discounts are estimated and may not be available from every company or in every state.

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