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Subaru Crosstrek Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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Subaru Crosstrek insurance

Estimated auto insurance rates for a Subaru Crosstrek are $1,300 annually including full coverage. Comprehensive insurance costs an estimated $320 a year, collision insurance costs $512, and liability is $332. A policy with only liability insurance costs around $388 a year, and a high-risk policy costs $2,782 or more. 16-year-old drivers pay the most at up to $4,682 a year.

Average premium for full coverage: $1,300

Premium estimates broken down by type of coverage:

Comprehensive $320
Collision $512
Liability $332

These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Crosstrek trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Subaru Crosstrek range from as cheap as $388 for the bare minimum liability coverage to a high of $2,782 for a driver who requires high-risk insurance.

Liability Only $388
Full Coverage $1,300
High Risk $2,782

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how geographic area affects insurance prices.

Rural Areas $975
Small Cities $1,365
Large Cities $1,755

These rate differences highlight why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of using 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 Information

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

  • The best full coverage rate is $748
  • Raising to $1,000 deductibles will save approximately $1,108 every year
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,300
  • Buying low $100 deductibles costs an additional $362 every year
  • At-risk drivers with multiple tickets or accidents could pay up to $2,782
  • An auto insurance policy with full coverage for a teen driver can cost as much as $4,682

View Chart as Image

Subaru Crosstrek insurance cost comparison chart
Column chart showing Subaru Crosstrek insurance prices range from $748 to $4,682 for full coverage

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

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 45% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $560 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $299 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Subaru Crosstrek insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,850 on average in Louisiana, New York, and Michigan.

Subaru Crosstrek Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,172 -$128 -9.8%
Alaska $996 -$304 -23.4%
Arizona $1,076 -$224 -17.2%
Arkansas $1,300 -$0 0.0%
California $1,478 $178 13.7%
Colorado $1,238 -$62 -4.8%
Connecticut $1,332 $32 2.5%
Delaware $1,466 $166 12.8%
Florida $1,620 $320 24.6%
Georgia $1,200 -$100 -7.7%
Hawaii $932 -$368 -28.3%
Idaho $878 -$422 -32.5%
Illinois $964 -$336 -25.8%
Indiana $980 -$320 -24.6%
Iowa $876 -$424 -32.6%
Kansas $1,232 -$68 -5.2%
Kentucky $1,770 $470 36.2%
Louisiana $1,920 $620 47.7%
Maine $802 -$498 -38.3%
Maryland $1,072 -$228 -17.5%
Massachusetts $1,034 -$266 -20.5%
Michigan $2,254 $954 73.4%
Minnesota $1,088 -$212 -16.3%
Mississippi $1,552 $252 19.4%
Missouri $1,152 -$148 -11.4%
Montana $1,394 $94 7.2%
Nebraska $1,022 -$278 -21.4%
Nevada $1,556 $256 19.7%
New Hampshire $934 -$366 -28.2%
New Jersey $1,452 $152 11.7%
New Mexico $1,148 -$152 -11.7%
New York $1,364 $64 4.9%
North Carolina $746 -$554 -42.6%
North Dakota $1,064 -$236 -18.2%
Ohio $892 -$408 -31.4%
Oklahoma $1,330 $30 2.3%
Oregon $1,188 -$112 -8.6%
Pennsylvania $1,236 -$64 -4.9%
Rhode Island $1,730 $430 33.1%
South Carolina $1,176 -$124 -9.5%
South Dakota $1,096 -$204 -15.7%
Tennessee $1,136 -$164 -12.6%
Texas $1,566 $266 20.5%
Utah $960 -$340 -26.2%
Vermont $886 -$414 -31.8%
Virginia $776 -$524 -40.3%
Washington $1,000 -$300 -23.1%
West Virginia $1,190 -$110 -8.5%
Wisconsin $898 -$402 -30.9%
Wyoming $1,156 -$144 -11.1%

View Chart as Image

Subaru Crosstrek insurance rates by U.S. city
Subaru Crosstrek Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Subaru Crosstrek $320 $512 $332 $1,300
2019 Subaru Crosstrek $306 $506 $338 $1,286
2018 Subaru Crosstrek $296 $494 $354 $1,280
2017 Subaru Crosstrek $286 $474 $364 $1,260
2016 Subaru Crosstrek $270 $458 $376 $1,240

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 Cheap Subaru Crosstrek Insurance

Finding better rates on car insurance consists of having a good driving record, having a good credit score, refrain from filing small claims, and possibly higher deductibles. Invest the time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a brief summary of the concepts that were presented in the illustrations above.

  • Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,480 more annually to buy Subaru Crosstrek insurance
  • Drivers age 20 and younger have the highest car insurance prices, with the cost nearing $390 per month if comprehensive and collision insurance is included
  • You may be able to save approximately $160 per year just by quoting early and online
  • Increasing policy deductibles could save up to $550 each year
  • You may be able to save approximately $160 per year just by quoting early and online

Rates by Driver Age

Subaru Crosstrek Insurance Rates by Driver Age
Driver Age Premium
16 $4,682
20 $2,954
30 $1,362
40 $1,300
50 $1,182
60 $1,160

Full coverage, $500 deductibles

Rates by Deductible

Subaru Crosstrek Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,662
$250 $1,496
$500 $1,300
$1,000 $1,108

Full coverage, driver age 40

Rates by Liability Limit

Subaru Crosstrek Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,300
50/100 $1,366
100/300 $1,449
250/500 $1,665
100 CSL $1,400
300 CSL $1,582
500 CSL $1,715

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Crosstrek Insurance Rates for High Risk Drivers
Age Premium
16 $6,696
20 $4,694
30 $2,856
40 $2,782
50 $2,650
60 $2,624

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 $177

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $66
Homeowner $18
5-yr Accident Free $96
5-yr Claim Free $84
Paid in Full/EFT $61
Advance Quote $64
Online Quote $93
Total Discounts $552
Rate after discounts $748

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

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