Subaru Crosstrek Insurance Rates

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Dani Best

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Jun 6, 2023

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Subaru Crosstrek insurance

The average auto insurance rates for a Subaru Crosstrek are $1,204 annually with full coverage. Comprehensive insurance costs approximately $260, collision insurance costs $424, and liability is estimated at $384. Liability-only insurance costs approximately $432 a year, and high-risk driver insurance costs $2,596 or more. 16-year-old drivers cost the most to insure at up to $4,500 a year.

Average premium for full coverage: $1,204

Policy rates by type of insurance:

Comprehensive $260
Collision $424
Liability $384

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different Crosstrek trim levels.

Price Range Variability

For an average driver, Subaru Crosstrek insurance rates range from as cheap as $432 for the bare minimum liability coverage to a much higher rate of $2,596 for a driver that may need high-risk insurance.

Liability Only $432
Full Coverage $1,204
High Risk $2,596

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than congested cities. The price range example below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $903
Small Cities $1,264
Large Cities $1,625

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of using rate 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 details average Subaru Crosstrek insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $699
  • Choosing higher $1,000 deductibles can save $154 annually
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,204
  • Buying more expensive low deductibles for comp and collision coverage costs an additional $300 every year
  • Unlucky drivers with multiple tickets or accidents could pay around $2,596
  • Policy cost with full coverage for a teen driver with full coverage can cost $4,500 each year

View Chart as Image

Subaru Crosstrek insurance cost comparison chart
Column chart showing Subaru Crosstrek insurance prices range from $699 to $4,500 for full coverage

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

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance ranges as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $460 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Subaru Crosstrek insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Utah, Ohio, and New Hampshire, or at least $1,620 on average in New York, Michigan, and Florida.

Subaru Crosstrek Insurance Rates by State
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%

View Chart as Image

Subaru Crosstrek insurance rates by U.S. city
Subaru Crosstrek Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Subaru Crosstrek $270 $458 $376 $1,240
2017 Subaru Crosstrek $260 $424 $384 $1,204
2014 Subaru Crosstrek $224 $330 $390 $1,080
2013 Subaru Crosstrek $216 $310 $394 $1,056

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 Cheaper Subaru Crosstrek Insurance

Finding cheaper rates on car insurance takes being a good driver, having above-average credit, not filing small claims, and possibly higher deductibles. Take the time to compare rates once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a condensed summary of the data that was covered in the above illustrations.

  • You may be able to save around $140 per year just by shopping early and online
  • Policyholders who purchase an increased level of liability coverage will pay around $420 every year to raise limits from a 30/60 limit to higher 250/500 limits
  • Drivers age 16 to 20 have the highest car insurance rates, as much as $375 each month if full coverage is included
  • Higher risk drivers with multiple at-fault accidents may pay on average $1,390 more per year than a safer driver

Rates by Driver Age

Subaru Crosstrek Insurance 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

Subaru Crosstrek Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,504
$250 $1,366
$500 $1,204
$1,000 $1,050

Full coverage, driver age 40

Rates by Liability Limit

Subaru Crosstrek Insurance Rates with Different Liability Limits
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

Subaru Crosstrek Insurance 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.

SR-22 Surcharge $166

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
Rate after discounts $699

Discounts are estimated and may not be available from every company or in every state.

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