Subaru Crosstrek Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 3, 2024
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Estimated auto insurance rates for a Subaru Crosstrek are $1,204 annually with full coverage. Comprehensive insurance costs approximately $260, collision costs $424, and liability insurance costs $384. Liability-only insurance costs as little as $432 a year, with high-risk driver insurance costing $2,596 or more. 16-year-old drivers pay the most at $4,500 a year or more.
Average premium for full coverage: $1,204
Premium estimates by type of coverage:
Rate estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Crosstrek models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Subaru Crosstrek go from as cheap as $432 for just liability coverage to the much higher price of $2,596 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. Rural locations are statistically proven to have fewer collision claims than congested cities.
The example below illustrates how where you live affects auto insurance prices.
These rate differences demonstrate why everyone should compare rates using their specific location and their own personal driving habits, 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.
Detailed Rate Analysis
The chart below details estimated Subaru Crosstrek insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $699
- Drivers who choose higher $1,000 deductibles will pay $154 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,204
- Buying pricier low deductibles for comprehensive and collision insurance costs an additional $300 a year
- High risk drivers with multiple tickets or accidents could pay around $2,596 or more
- An auto insurance policy with full coverage for a teen driver for full coverage can cost $4,500 a year
Insurance prices for a Subaru Crosstrek also have a wide range based on the model of your Crosstrek, your driving record, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,400 to $2,000 additional annually, depending on your age. Subaru Crosstrek insurance for high-risk drivers can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $460 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $345 more each year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Subaru Crosstrek insurance rates. A 40-year-old driver 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.
| 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% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices from as many companies as possible. Every company utilizes a different rate formula, and prices will be substantially different between companies.
| 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 Buy the Best Subaru Crosstrek Insurance
Finding better rates on Subaru Crosstrek insurance not only requires being a low-risk driver, but also having good credit, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop once a year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.
The items below are a brief recap of the data that was touched on in the above illustrations.
- You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
- Drivers who purchase more liability coverage will pay around $420 every year to go from 30/60 bodily injury limits to higher 250/500 limits
- Teen drivers are the costliest to insure, possibly costing $375 per month if they have full coverage
- High-risk drivers who tend to receive serious violations may pay on average $1,390 more per year to insure their Crosstrek
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,504 |
| $250 | $1,366 |
| $500 | $1,204 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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