Subaru Crosstrek Insurance Rates

The average insurance rates for a Subaru Crosstrek are $1,174 a year for full coverage. Comprehensive insurance costs on average $250 a year, collision insurance costs $400, and liability insurance costs around $388. A liability-only policy costs as low as $434 a year, and high-risk insurance costs $2,526 or more. Teens cost the most to insure at up to $4,406 a year.

Average premium for full coverage: $1,174

Policy rates by type of insurance:

Full coverage includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Crosstrek trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on car insurance rates.

The examples above show why it is important to compare prices based on a specific location and risk profile, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below shows average Subaru Crosstrek insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $683
• Using higher $1,000 deductibles will save around $1,026 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,174
• Selecting low $100 deductibles for physical damage coverage will cost an extra $284 a year
• Drivers with serious driving violations could pay upwards of $2,526
• Policy cost for full coverage for a teen driver may cost $4,406 or more

View Chart as Image

Car insurance rates for a Subaru Crosstrek also range considerably based on your risk profile, the trim level of your Crosstrek, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $4,400 a year. View Rates by Age

Your home state has a huge impact on Subaru Crosstrek insurance rates. A driver around age 40 might see rates as low as $770 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,670 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

How to Find More Affordable Subaru Crosstrek Insurance

Finding cheaper rates on Subaru Crosstrek insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates every other policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

Below is a summary of the ideas that were touched on in this article.

• Teenage drivers are expensive to insure, costing up to $367 each month if full coverage is included
• High-risk drivers who have multiple accidents or major violations will pay on average $1,350 more each year for auto insurance
• Increasing comprehensive and collision deductibles can save around $425 each year
• Drivers can save as much as $140 per year just by quoting early and online