Subaru Crosstrek Insurance Rates

Average auto insurance rates for a Subaru Crosstrek are $1,174 annually for full coverage. Comprehensive insurance costs around $250 a year, collision insurance costs $400, and liability costs $388. Buying just liability costs as little as $434 a year, and insurance for high-risk drivers costs $2,526 or more. Teenage drivers receive the highest rates at up to $4,406 a year.

Average premium for full coverage: $1,174

Rate estimates for individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Crosstrek trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on auto insurance rates. Areas with sparse population tend to have fewer accident claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance rates.

These examples show why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using average rates.

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

Additional Charts and Tables

The chart below shows average Subaru Crosstrek insurance rates for additional coverage choices and driver risks.

• The best discount rate is $683
• Drivers who choose higher $1,000 deductibles will pay about $1,026 a year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,174
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $284 every year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,526
• The cost with full coverage for a teen driver can be $4,406 a year

View Chart as Image

Auto insurance rates for a Subaru Crosstrek can also vary considerably based on the trim level of your Crosstrek, your driver profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,400 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $440 every year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Subaru Crosstrek insurance prices. A 40-year-old driver could pay as low as $770 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,670 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy the Best Subaru Crosstrek Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Invest time comparing rates at least every other year by requesting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a brief recap of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers who tend to receive serious violations pay an average of $1,350 more every year to insure a Subaru Crosstrek
• Drivers can save up to $140 per year just by quoting early and online
• Increasing deductibles could save up to $425 each year
• Policyholders who may need increased liability limits will pay an extra $430 each year to go from a minimum limit to higher 250/500 limits