Subaru Crosstrek Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
|
Written by
Jeffrey Johnson
|
UPDATED: Apr 9, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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:
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.
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.
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
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.
| 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% |
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,662 |
| $250 | $1,496 |
| $500 | $1,300 |
| $1,000 | $1,108 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
