Subaru Crosstrek Insurance Rates

U.S. average insurance rates for a Subaru Crosstrek are $1,174 a year for full coverage. Comprehensive costs an estimated $250 each year, collision insurance costs $400, and liability costs around $388. Buying just liability costs as low as $434 a year, and insurance for high-risk drivers costs around $2,526. Teenage drivers pay the highest rates at up to $4,406 a year.

Average premium for full coverage: $1,174

Price estimates broken down by individual coverage:

These estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Crosstrek models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities. The graphic below illustrates how geographic area affects insurance prices.

The ranges above show why all drivers should compare prices for a targeted area, instead of making a decision based on 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 other coverage scenarios.

• The best discount rate is $683
• Using higher $1,000 deductibles will save approximately $148 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,174
• Using low deductibles for physical damage coverage bumps up the cost to $1,458
• High-risk insureds who are prone to accidents and violations could pay up to $2,526
• The price that insures a 16-year-old driver can cost as much as $4,406 or more

View Chart as Image

Insurance prices for a Subaru Crosstrek are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers can be from 43% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,400 a year. View Rates by Age

The state you live in has a huge impact on Subaru Crosstrek insurance prices. A driver around age 40 might see prices as low as $770 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,670 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $440 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit

How to Find Cheap Subaru Crosstrek Insurance

Getting lower rates on insurance for a Subaru Crosstrek requires having a good driving record, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices every year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The next list is a brief summary of the coverage data presented in the illustrations above.

• Drivers can save approximately $140 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $425 each year
• Drivers age 20 and younger are expensive to insure, with premiums as much as $367 a month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,350 more annually to buy Subaru Crosstrek insurance