Subaru Crosstrek Insurance Rates

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

Includes $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Crosstrek trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above highlight why it is important to get quotes based on a specific location, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $683
• Choosing higher $1,000 deductibles can save around $1,026 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,174
• Choosing low $100 deductibles for comp and collision coverage bumps up the cost to $1,458
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,526
• Policy cost that insures a teenage driver may cost $4,406 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 133% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $4,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Subaru Crosstrek insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,670 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $440 a year, while buying higher liability limits will cost you more. 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 Cheapest Subaru Crosstrek Insurance

Finding cheaper rates on auto insurance takes having a good driving record, having a positive credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around at least every other year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The next list is a recap of the car insurance concepts covered in the above illustrations.

• Drivers that have major violations or accidents could be forced to pay on average $1,350 more each year to buy Subaru Crosstrek insurance
• You may be able to save as much as $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Consumers who require increased levels of liability coverage will pay about $430 per year to raise limits from a 30/60 limit to the 250/500 level