Subaru Crosstrek Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Jun 3, 2024
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U.S. average auto insurance rates for a Subaru Crosstrek are $1,174 annually including full coverage. Comprehensive insurance costs approximately $250, collision costs $400, and liability coverage is $388. Liability-only coverage costs around $434 a year, with high-risk coverage costing $2,526 or more. Teenage drivers pay the highest rates at $4,406 a year or more.
Average premium for full coverage: $1,174
Price estimates by individual coverage:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Crosstrek models.
Price Range from Low to High
For a driver in their 40's, Subaru Crosstrek insurance prices go from as cheap as $434 for your basic liability-only policy to the much higher price of $2,526 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities.
The example below illustrates how location helps determine auto insurance prices.
The ranges above highlight why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than using average rates.
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.
More Rate Information
The chart below breaks down estimated Subaru Crosstrek insurance rates for additional coverage and risk scenarios.
- The best discount rate is $683
- Raising to $1,000 deductibles will save $148 every year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,174
- Using pricier low deductibles costs an additional $284 each year
- Unlucky drivers who are prone to accidents and violations could pay around $2,526 or more
- The price with full coverage for a teenage driver for full coverage can cost $4,406
Auto insurance prices for a Subaru Crosstrek are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,400 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,400 to $1,900 in extra premium each year, depending on your age. Subaru Crosstrek insurance for high-risk drivers is expensive and can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $440 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Subaru Crosstrek insurance rates. A middle-age driver might find prices 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.
| 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% |
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different 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 Cheapest Subaru Crosstrek Insurance
Getting lower rates on auto insurance consists of being a good driver, having above-average credit, being claim-free, and not having any coverage lapses. Invest time comparing rates at every other renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The following list is a recap of the concepts that were covered in the charts and tables above.
- Drivers that have major violations or accidents may have to pay on average $1,350 more per year than a safer driver
- Drivers age 16 to 20 have the highest car insurance prices, possibly costing $367 a month if full coverage is included
- You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $425 each year
- You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
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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