Subaru Crosstrek Insurance Rates

The average insurance rates for a Subaru Crosstrek are $1,174 a year including full coverage. Comprehensive costs approximately $250, collision insurance costs $400, and liability coverage costs around $388. A liability-only policy costs as low as $434 a year, and high-risk insurance costs around $2,526. Teenage drivers 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:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different Crosstrek trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices using their specific location, rather than using average rates.

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

Additional Rate Details

The chart below breaks down average Subaru Crosstrek insurance rates for additional coverage and risk scenarios.

• The best discount rate is $683
• Using higher $1,000 deductibles will save $148 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,174
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,458
• Higher-risk drivers who are prone to accidents and violations could pay around $2,526
• Policy cost that insures a teenage driver with full coverage can cost $4,406 or more

View Chart as Image

Car insurance rates for a Subaru Crosstrek also range considerably based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can be around 43% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark 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 $900 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,670 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $440 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Right Subaru Crosstrek Insurance

Finding cheaper rates on auto insurance requires being a good driver, having a positive credit history, paying for small claims out-of-pocket, and attention to physical damage deductibles. Compare prices at least every other year by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The following list is a quick rundown of the car insurance concepts covered above.

• Drivers with reckless driving or DUI convictions will likely pay on average $1,350 more per year than a safer driver
• You may be able to save around $140 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Consumers who purchase an increased level of liability coverage will pay an extra $430 per year to increase from a 30/60 limit to the 250/500 level