Subaru Crosstrek Insurance Rates
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Michelle Robbins
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UPDATED: Jun 3, 2024
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The average auto insurance rates for a Subaru Crosstrek are $1,174 annually for full coverage insurance. Comprehensive costs approximately $250 each year, collision costs $400, and liability insurance costs $388. Buying just liability costs as little as $434 a year, with insurance for high-risk drivers costing around $2,526. 16-year-old drivers cost the most to insure at $4,406 a year or more.
Average premium for full coverage: $1,174
Policy rates by type of insurance:
Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Crosstrek models.
Price Range Variability
For a driver around age 40, Subaru Crosstrek insurance rates go from as cheap as $434 for liability-only coverage to a high rate of $2,526 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location has a significant impact on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than congested cities.
The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above illustrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on rate averages.
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.
Additional Charts and Tables
The chart below illustrates estimated Subaru Crosstrek insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $683
- Drivers who choose higher $1,000 deductibles will pay $148 each year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,174
- Buying low deductibles for comprehensive and collision insurance will cost $1,458
- High risk drivers with multiple tickets or accidents could pay around $2,526 or more
- Policy cost with full coverage for a teen driver can cost $4,406 a year
Insurance rates for a Subaru Crosstrek also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $440 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Subaru Crosstrek insurance rates. A 40-year-old driver could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,580 on average in Florida, New York, and Michigan.
| 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% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, so the rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Crosstrek | $306 | $506 | $338 | $1,286 |
| 2023 Subaru Crosstrek | $296 | $494 | $354 | $1,280 |
| 2022 Subaru Crosstrek | $286 | $474 | $364 | $1,260 |
| 2021 Subaru Crosstrek | $270 | $458 | $376 | $1,240 |
| 2020 Subaru Crosstrek | $260 | $424 | $384 | $1,204 |
| 2019 Subaru Crosstrek | $250 | $400 | $388 | $1,174 |
| 2018 Subaru Crosstrek | $240 | $358 | $390 | $1,124 |
| 2017 Subaru Crosstrek | $224 | $330 | $390 | $1,080 |
| 2016 Subaru Crosstrek | $216 | $310 | $394 | $1,056 |
| 2014 Subaru Crosstrek | $194 | $268 | $402 | $1,000 |
| 2013 Subaru Crosstrek | $190 | $244 | $406 | $976 |
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 Buy the Right Subaru Crosstrek Insurance
Finding cheaper rates on Subaru Crosstrek insurance not only requires avoiding accidents and claims, but also having a good credit history, being claim-free, and maximizing policy discounts. Set aside time to compare rates every other policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The points below are a quick rundown of the ideas that were covered above.
- Drivers under the age of 20 are expensive to insure, possibly costing $367 each month including comprehensive and collision insurance
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,350 more per year to insure a Subaru Crosstrek
- Increasing comprehensive and collision deductibles could save up to $425 each year
- It is possible to save around $140 per year simply by quoting online in advance
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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