Subaru Crosstrek Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 3, 2024
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The average insurance rates for a Subaru Crosstrek are $1,204 a year with full coverage. Comprehensive costs around $260 a year, collision costs $424, and liability costs $384. A liability-only policy costs as little as $432 a year, with high-risk insurance costing around $2,596. Teenage drivers cost the most to insure at $4,500 a year or more.
Average premium for full coverage: $1,204
Policy rates for type of insurance:
Rates are based on $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Crosstrek trim levels.
Price Range Variability
For an average driver, Subaru Crosstrek insurance rates go from the low end price of $432 for just the minimum liability insurance to a high of $2,596 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities.
The diagram below illustrates the effect of geographic area on auto insurance rates.
The examples above demonstrate why it is important to compare rates for a specific zip code, instead of using average rates.
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 Analysis
The chart below details estimated Subaru Crosstrek insurance rates for additional coverage choices and driver risks.
- The best discount rate is $699
- Drivers who choose higher $1,000 deductibles will pay about $1,050 annually
- The estimated price for a good driver age 40 using $500 deductibles is $1,204
- Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,504
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,596 or more
- Policy cost that insures a teen driver can be $4,500 a year
Car insurance rates for a Subaru Crosstrek also range considerably based on the trim level of your Crosstrek, your age and driving habits, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $4,500 a year. View Rates by Age
Your home state makes a big difference in Subaru Crosstrek insurance prices. A 40-year-old driver could pay as low as $870 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,620 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles could save up to $460 every year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $345 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out your exact price is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, so rate quotes will be varied.
| 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 Find the Best Cheap Subaru Crosstrek Insurance
Finding cheaper rates on car insurance not only requires having a good driving record, but also having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare prices at every policy renewal by getting quotes from direct companies, and also from your local independent and exclusive agents.
The next list is a quick review of the data covered in the above illustrations.
- Policyholders who may need increased levels of liability coverage will pay an extra $420 every year to go from a 30/60 limit to the 250/500 level
- You may be able to save up to $140 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $450 each year
- Drivers age 20 and younger are the costliest to insure, as much as $375 each month if full coverage is purchased
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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