Subaru Crosstrek Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 3, 2024
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Average insurance prices for a Subaru Crosstrek are $1,204 every 12 months for full coverage. Comprehensive insurance costs around $260, collision insurance costs $424, and liability is $384. Liability-only coverage costs around $432 a year, and high-risk coverage costs $2,596 or more. Teen drivers receive the highest rates at up to $4,500 a year.
Average premium for full coverage: $1,204
Rate estimates for individual coverage type:
Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for different Crosstrek trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from the cheapest price of $432 for the bare minimum liability coverage to a much higher rate of $2,596 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than larger metro areas. The price range example below illustrates how location impacts auto insurance rates.
These examples show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of using price 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 Rate Information
The chart below shows average Subaru Crosstrek insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $699
- Raising to $1,000 deductibles will save about $154 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,204
- Choosing more expensive low deductibles costs an extra $300 every year
- At-risk drivers with multiple violations and an at-fault accident could pay at least $2,596
- The cost to insure a teen driver with full coverage can be $4,500
Car insurance rates for a Subaru Crosstrek can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Choosing high deductibles can reduce rates by up to $460 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $4,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 130% more than average. View High Risk Driver Rates
Where you live also has a big influence on Subaru Crosstrek insurance prices. A middle-age driver might find rates as low as $790 a year in states like Idaho, Maine, and Iowa, or as much as $1,720 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$118 | -9.8% |
| Alaska | $924 | -$280 | -23.3% |
| Arizona | $998 | -$206 | -17.1% |
| Arkansas | $1,204 | -$0 | 0.0% |
| California | $1,372 | $168 | 14.0% |
| Colorado | $1,148 | -$56 | -4.7% |
| Connecticut | $1,236 | $32 | 2.7% |
| Delaware | $1,360 | $156 | 13.0% |
| Florida | $1,502 | $298 | 24.8% |
| Georgia | $1,112 | -$92 | -7.6% |
| Hawaii | $864 | -$340 | -28.2% |
| Idaho | $816 | -$388 | -32.2% |
| Illinois | $896 | -$308 | -25.6% |
| Indiana | $908 | -$296 | -24.6% |
| Iowa | $812 | -$392 | -32.6% |
| Kansas | $1,142 | -$62 | -5.1% |
| Kentucky | $1,642 | $438 | 36.4% |
| Louisiana | $1,780 | $576 | 47.8% |
| Maine | $742 | -$462 | -38.4% |
| Maryland | $992 | -$212 | -17.6% |
| Massachusetts | $960 | -$244 | -20.3% |
| Michigan | $2,090 | $886 | 73.6% |
| Minnesota | $1,010 | -$194 | -16.1% |
| Mississippi | $1,442 | $238 | 19.8% |
| Missouri | $1,066 | -$138 | -11.5% |
| Montana | $1,292 | $88 | 7.3% |
| Nebraska | $946 | -$258 | -21.4% |
| Nevada | $1,444 | $240 | 19.9% |
| New Hampshire | $868 | -$336 | -27.9% |
| New Jersey | $1,344 | $140 | 11.6% |
| New Mexico | $1,064 | -$140 | -11.6% |
| New York | $1,266 | $62 | 5.1% |
| North Carolina | $692 | -$512 | -42.5% |
| North Dakota | $986 | -$218 | -18.1% |
| Ohio | $828 | -$376 | -31.2% |
| Oklahoma | $1,234 | $30 | 2.5% |
| Oregon | $1,102 | -$102 | -8.5% |
| Pennsylvania | $1,146 | -$58 | -4.8% |
| Rhode Island | $1,604 | $400 | 33.2% |
| South Carolina | $1,092 | -$112 | -9.3% |
| South Dakota | $1,016 | -$188 | -15.6% |
| Tennessee | $1,054 | -$150 | -12.5% |
| Texas | $1,452 | $248 | 20.6% |
| Utah | $890 | -$314 | -26.1% |
| Vermont | $822 | -$382 | -31.7% |
| Virginia | $720 | -$484 | -40.2% |
| Washington | $928 | -$276 | -22.9% |
| West Virginia | $1,104 | -$100 | -8.3% |
| Wisconsin | $832 | -$372 | -30.9% |
| Wyoming | $1,072 | -$132 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Crosstrek | $320 | $512 | $332 | $1,300 |
| 2023 Subaru Crosstrek | $306 | $506 | $338 | $1,286 |
| 2022 Subaru Crosstrek | $296 | $494 | $354 | $1,280 |
| 2021 Subaru Crosstrek | $286 | $474 | $364 | $1,260 |
| 2020 Subaru Crosstrek | $270 | $458 | $376 | $1,240 |
| 2019 Subaru Crosstrek | $260 | $424 | $384 | $1,204 |
| 2018 Subaru Crosstrek | $250 | $400 | $388 | $1,174 |
| 2017 Subaru Crosstrek | $240 | $358 | $390 | $1,124 |
| 2016 Subaru Crosstrek | $224 | $330 | $390 | $1,080 |
| 2014 Subaru Crosstrek | $210 | $288 | $402 | $1,036 |
| 2013 Subaru Crosstrek | $194 | $268 | $402 | $1,000 |
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 Shop for Cheaper Subaru Crosstrek Insurance
Saving money on car insurance consists of having a good driving record, maintaining a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Spend time shopping around at least once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The next list is a condensed summary of the primary concepts that were touched on above.
- Drivers can save up to $140 per year just by shopping early and online
- Higher risk drivers with multiple at-fault accidents may pay on average $1,390 more every year to buy Subaru Crosstrek insurance
- Increasing deductibles could save as much as $450 each year
- Drivers age 20 and younger are the costliest to insure, costing as high as $375 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,500 |
| 20 | $2,756 |
| 30 | $1,252 |
| 40 | $1,204 |
| 50 | $1,100 |
| 60 | $1,080 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,504 |
| $250 | $1,366 |
| $500 | $1,204 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,204 |
| 50/100 | $1,281 |
| 100/300 | $1,377 |
| 250/500 | $1,626 |
| 100 CSL | $1,319 |
| 300 CSL | $1,530 |
| 500 CSL | $1,684 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,418 |
| 20 | $4,388 |
| 30 | $2,648 |
| 40 | $2,596 |
| 50 | $2,474 |
| 60 | $2,452 |
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 | $64 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $53 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $505 |
Discounts are estimated and may not be available from every company or in every state.
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