Subaru Crosstrek Insurance Rates
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UPDATED: Jun 3, 2024
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The average insurance rates for a Subaru Crosstrek are $1,240 a year with full coverage. Comprehensive insurance costs approximately $270 each year, collision insurance costs $458, and liability insurance costs $376. Liability-only insurance costs as little as $426 a year, and high-risk driver insurance costs $2,676 or more. Teens cost the most to insure at up to $4,612 a year.
Average premium for full coverage: $1,240
Policy rates by type of insurance:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Crosstrek models.
Price Range Variability
For a driver in their 40's, Subaru Crosstrek insurance rates range from as low as $426 for basic liability insurance to a high rate of $2,676 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.
The examples above demonstrate why all drivers should compare rates using their specific location and risk profile, rather than relying on averaged prices.
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.
Rate Comparisons
The chart below details average Subaru Crosstrek insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $715
- Drivers who choose higher $1,000 deductibles will pay $166 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,240
- Selecting low deductibles for comprehensive and collision insurance will cost an extra $320 a year
- High risk drivers with serious driving violations could pay around $2,676
- Policy cost for full coverage for a teen driver can cost $4,612 a year
Auto insurance rates for a Subaru Crosstrek also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age
Your home state makes a big difference in Subaru Crosstrek insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,670 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,120 | -$120 | -9.7% |
| Alaska | $950 | -$290 | -23.4% |
| Arizona | $1,028 | -$212 | -17.1% |
| Arkansas | $1,240 | -$0 | 0.0% |
| California | $1,412 | $172 | 13.9% |
| Colorado | $1,182 | -$58 | -4.7% |
| Connecticut | $1,272 | $32 | 2.6% |
| Delaware | $1,402 | $162 | 13.1% |
| Florida | $1,548 | $308 | 24.8% |
| Georgia | $1,146 | -$94 | -7.6% |
| Hawaii | $890 | -$350 | -28.2% |
| Idaho | $840 | -$400 | -32.3% |
| Illinois | $922 | -$318 | -25.6% |
| Indiana | $934 | -$306 | -24.7% |
| Iowa | $834 | -$406 | -32.7% |
| Kansas | $1,176 | -$64 | -5.2% |
| Kentucky | $1,688 | $448 | 36.1% |
| Louisiana | $1,834 | $594 | 47.9% |
| Maine | $764 | -$476 | -38.4% |
| Maryland | $1,024 | -$216 | -17.4% |
| Massachusetts | $988 | -$252 | -20.3% |
| Michigan | $2,152 | $912 | 73.5% |
| Minnesota | $1,036 | -$204 | -16.5% |
| Mississippi | $1,484 | $244 | 19.7% |
| Missouri | $1,100 | -$140 | -11.3% |
| Montana | $1,330 | $90 | 7.3% |
| Nebraska | $974 | -$266 | -21.5% |
| Nevada | $1,484 | $244 | 19.7% |
| New Hampshire | $894 | -$346 | -27.9% |
| New Jersey | $1,386 | $146 | 11.8% |
| New Mexico | $1,098 | -$142 | -11.5% |
| New York | $1,304 | $64 | 5.2% |
| North Carolina | $714 | -$526 | -42.4% |
| North Dakota | $1,016 | -$224 | -18.1% |
| Ohio | $854 | -$386 | -31.1% |
| Oklahoma | $1,272 | $32 | 2.6% |
| Oregon | $1,136 | -$104 | -8.4% |
| Pennsylvania | $1,180 | -$60 | -4.8% |
| Rhode Island | $1,652 | $412 | 33.2% |
| South Carolina | $1,122 | -$118 | -9.5% |
| South Dakota | $1,046 | -$194 | -15.6% |
| Tennessee | $1,084 | -$156 | -12.6% |
| Texas | $1,494 | $254 | 20.5% |
| Utah | $916 | -$324 | -26.1% |
| Vermont | $844 | -$396 | -31.9% |
| Virginia | $742 | -$498 | -40.2% |
| Washington | $956 | -$284 | -22.9% |
| West Virginia | $1,136 | -$104 | -8.4% |
| Wisconsin | $856 | -$384 | -31.0% |
| Wyoming | $1,102 | -$138 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles could save up to $490 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $339 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Crosstrek | $336 | $532 | $316 | $1,320 |
| 2023 Subaru Crosstrek | $320 | $512 | $332 | $1,300 |
| 2022 Subaru Crosstrek | $306 | $506 | $338 | $1,286 |
| 2021 Subaru Crosstrek | $296 | $494 | $354 | $1,280 |
| 2020 Subaru Crosstrek | $286 | $474 | $364 | $1,260 |
| 2019 Subaru Crosstrek | $270 | $458 | $376 | $1,240 |
| 2018 Subaru Crosstrek | $260 | $424 | $384 | $1,204 |
| 2017 Subaru Crosstrek | $250 | $400 | $388 | $1,174 |
| 2016 Subaru Crosstrek | $240 | $358 | $390 | $1,124 |
| 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 Cheap Subaru Crosstrek Insurance
Finding cheaper rates on Subaru Crosstrek insurance not only requires being a good driver, but also having good credit, not filing small claims, and possibly higher deductibles. Invest time comparing rates every time your policy renews by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a brief summary of the information covered in the charts and tables above.
- You may be able to save around $150 per year just by quoting online in advance
- Drivers age 16 to 20 have the highest car insurance rates, as much as $384 each month if they have full coverage
- Increasing comprehensive and collision deductibles can save around $475 each year
- High-risk drivers that tend to have accidents or serious violations pay on average $1,440 more per year than a safer driver
- Drivers who purchase an increased level of liability coverage will pay approximately $410 every year to go from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,612 |
| 20 | $2,844 |
| 30 | $1,294 |
| 40 | $1,240 |
| 50 | $1,132 |
| 60 | $1,112 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,560 |
| $250 | $1,412 |
| $500 | $1,240 |
| $1,000 | $1,074 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,240 |
| 50/100 | $1,315 |
| 100/300 | $1,409 |
| 250/500 | $1,654 |
| 100 CSL | $1,353 |
| 300 CSL | $1,560 |
| 500 CSL | $1,710 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,578 |
| 20 | $4,528 |
| 30 | $2,734 |
| 40 | $2,676 |
| 50 | $2,552 |
| 60 | $2,526 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $65 |
| Homeowner | $19 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $56 |
| Advance Quote | $61 |
| Online Quote | $88 |
| Total Discounts | $525 |
Discounts are estimated and may not be available from every company or in every state.
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