Subaru Crosstrek Insurance Rates

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Dani Best

Licensed Insurance Producer

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...

Licensed Insurance Producer

UPDATED: Jun 6, 2023

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Subaru Crosstrek insurance

Estimated insurance rates for a Subaru Crosstrek are $1,174 a year including full coverage. Comprehensive insurance costs an estimated $250 each year, collision costs $400, and liability is estimated at $388. Liability-only coverage costs approximately $434 a year, with high-risk coverage costing $2,526 or more. Teenage drivers pay the most at $4,406 a year or more.

Average premium for full coverage: $1,174

Premium estimates broken down by type of coverage:

Comprehensive $250
Collision $400
Liability $388

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Crosstrek models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Subaru Crosstrek go from as low as $434 for just the minimum liability insurance to a high rate of $2,526 for a driver that may need high-risk insurance.

Liability Only $434
Full Coverage $1,174
High Risk $2,526

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects insurance prices.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

These rate differences highlight why all drivers should get quotes for a targeted area and risk profile, instead of making a decision based on 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.

Additional Rate Analysis

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

  • The best discount rate is $683
  • Choosing higher $1,000 deductibles can save approximately $148 every year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,174
  • Using low deductibles for comp and collision coverage will cost an extra $284 annually
  • Higher-risk drivers who are prone to accidents and violations could pay up to $2,526 or more
  • An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $4,406 each year

View Chart as Image

Subaru Crosstrek insurance cost comparison chart
Column chart showing full coverage Subaru Crosstrek insurance prices range from $683 to $4,406

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

More mature drivers with a clean driving record and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay at least $4,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Subaru Crosstrek insurance prices. A good driver about age 40 could pay 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.

Subaru Crosstrek Insurance Rates by State
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%

View Chart as Image

Subaru Crosstrek insurance rates by U.S. city

Using high physical damage deductibles can save as much as $440 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers ranges from 43% to 133% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate prices, so the 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
2018 Subaru Crosstrek $260 $424 $384 $1,204
2017 Subaru Crosstrek $250 $400 $388 $1,174
2014 Subaru Crosstrek $216 $310 $394 $1,056
2013 Subaru Crosstrek $210 $288 $402 $1,036

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 Affordable Subaru Crosstrek Insurance

Finding better rates on insurance for a Subaru Crosstrek takes being a good driver, maintaining good credit, refrain from filing small claims, and taking advantage of discounts. Set aside time to shop around once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief review of the data that was raised in the charts and tables above.

  • You may be able to save approximately $140 per year simply by quoting online in advance
  • Insureds who want an increased level of liability coverage will pay an extra $430 per year to raise limits from 30/60 bodily injury limits to 250/500 limits
  • Drivers age 16 to 20 are charged the highest prices, with the cost nearing $367 per month for full coverage
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,350 more annually than a safer driver

Rates by Driver Age

Subaru Crosstrek Insurance 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

Subaru Crosstrek Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,326
$500 $1,174
$1,000 $1,026

Full coverage, driver age 40

Rates by Liability Limit

Subaru Crosstrek Insurance Rates with Different Liability Limits
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

Subaru Crosstrek Insurance 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.

SR-22 Surcharge $161

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
Rate after discounts $683

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

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