2019 Subaru Crosstrek Insurance Rates
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UPDATED: Apr 9, 2020
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Average insurance rates for a 2019 Subaru Crosstrek are $1,286 a year for full coverage. Comprehensive insurance costs approximately $306 each year, collision insurance costs $506, and liability costs around $338. Buying a liability-only policy costs as low as $394 a year, and high-risk insurance costs $2,770 or more. Teen drivers receive the highest rates at up to $4,682 a year.
Annual premium for full coverage: $1,286
Rate estimates for 2019 Subaru Crosstrek Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 Subaru Crosstrek models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $394 for just liability coverage to a high rate of $2,770 for high-risk insurance.
These differences show why all drivers should compare prices using their specific location and risk profile, instead of making a decision based on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2019 Subaru Crosstrek Insurance
Did a good deal turn into an underperforming, overpriced car insurance policy? Say no more because there are lots of residents who feel the same. Since people have many different company options, it can be diffult for drivers to find a lower cost insurance company.
Cheap insurance coverage quotes online
Comparing insurance coverage rates can take time and effort if you don’t utilize the most efficient way to do it. You could spend your day discussing policy coverages with local insurance agents in your area, or you could save time and use the web to accomplish the same thing much quicker.
Most car insurance companies participate in an industry program that enables customers to enter their policy data once, and every company then gives them pricing for coverage. This prevents consumers from doing form submissions for each company you want a rate for.
To compare rates using this form now enter your zip code here.
The one downside to doing it this way is you don’t know exactly which providers to get quotes from. So if you want to select from a list of companies for rate comparison, we have assembled a list of insurance coverage companies in your area. Click to enter zip code.
You can use whichever method you prefer to find lower rates, just be sure to compare the same deductibles and coverage limits on every quote. If each company quotes different limits and deductibles on each one it’s not possible to truly determine the lowest rate.
Everyone needs different car insurance coverages
When choosing coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might help in determining if you could use an agent’s help.
- Do I need PIP (personal injury protection) coverage in my state?
- Should I get collision insurance on every vehicle?
- Can I still get insurance after a DUI?
- Will filing a claim cost me more?
- Why am I be forced to buy a membership to get insurance from some companies?
- Is my vehicle covered by my employer’s policy when using it for work?
- I don’t drive much so do I pay less?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete your zip code. It’s fast, free and you can get the answers you need.
Insurance coverage basics
Understanding the coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages available from insurance companies.
Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for things like repair costs for stationary objects, repair bills for other people’s vehicles, court costs and loss of income. How much liability coverage do you need? That is up to you, but buy as much as you can afford.
Medical expense insurance
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as hospital visits, doctor visits, rehabilitation expenses, ambulance fees and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Comprehensive (Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as theft, a tree branch falling on your vehicle and damage from flooding. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Subaru Crosstrek.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these limits are similar to your liability insurance amounts.
This will pay to fix damage to your Crosstrek resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things like sustaining damage from a pot hole, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.
Rates by U.S. City
|New York City, NY||$2,031|
|Los Angeles, CA||$2,202|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$95|
|5-yr Claim Free||$83|
|Paid in Full/EFT||$60|
Discounts are estimated and may not be available from every company or in every state.