Subaru Crosstrek Insurance Rates

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UPDATED: Jun 3, 2024

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Subaru Crosstrek insurance

Estimated insurance rates for a Subaru Crosstrek are $1,204 a year for full coverage. Comprehensive costs an estimated $260 a year, collision costs $424, and liability insurance is $384. Liability-only insurance costs around $432 a year, with high-risk driver insurance costing around $2,596. 16-year-old drivers pay the most at $4,500 a year or more.

Average premium for full coverage: $1,204

Premium estimates broken down by type of coverage:

Comprehensive $260
Collision $424
Liability $384

Full coverage includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Crosstrek trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Subaru Crosstrek go from as low as $432 for just the minimum liability insurance to a high of $2,596 for high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than congested cities.

The diagram below illustrates how location helps determine insurance prices.

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

These rate differences show why it is important to compare rates quotes for a targeted area and risk profile, rather than relying on 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 Analysis

The chart below shows estimated Subaru Crosstrek insurance rates for other coverage scenarios.

  • The best full coverage rate is $699
  • Raising to $1,000 deductibles will save approximately $1,050 a year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,204
  • Buying low $100 deductibles will increase the cost to $1,504
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,596 or more
  • An auto insurance policy for full coverage for a teen driver can cost as much as $4,500

View Chart as Image

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

Insurance prices for a Subaru Crosstrek also have a wide range based on your driving characteristics, the trim level of your Crosstrek, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $4,500 a year. View Rates by Age

Where you choose to live also has a big influence on Subaru Crosstrek insurance rates. A middle-age driver might find prices as low as $790 a year in states like Iowa, Maine, and Idaho, or at least $1,720 on average in New York, Louisiana, and Michigan.

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

Opting for high physical damage deductibles can reduce prices by up to $460 each year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $345 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,400 to $2,000 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and prices will be substantially different from one company to the next.

Subaru Crosstrek Insurance Rates by Model Year
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 Find More Affordable Subaru Crosstrek Insurance

Finding better rates on Subaru Crosstrek insurance consists of being a good driver, having a good credit history, not filing small claims, and maximizing policy discounts. Invest time comparing rates every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a summary of the material that was covered in the charts and tables above.

  • Drivers who want an increased level of liability coverage will pay around $420 each year to raise from 30/60 bodily injury limits to 250/500 limits
  • Drivers age 16 to 20 are expensive to insure, as much as $375 per month including comprehensive and collision insurance
  • High-risk drivers who have multiple accidents or major violations pay an average of $1,390 more annually than a safer driver
  • Increasing policy deductibles can save around $450 each year

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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