Subaru Crosstrek Insurance Rates

The average insurance rates for a Subaru Crosstrek are $1,174 a year including full coverage. Comprehensive insurance costs approximately $250, collision costs $400, and liability insurance costs $388. Liability-only coverage costs as little as $434 a year, with high-risk coverage costing $2,526 or more. Teenage drivers cost the most to insure at $4,406 a year or more.

Average premium for full coverage: $1,174

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Crosstrek trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates using their specific location, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below breaks down estimated Subaru Crosstrek insurance rates for additional coverage and risk scenarios.

• The best discount rate is $683
• Drivers who choose higher $1,000 deductibles will pay $148 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,174
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $284 a year
• High risk drivers who are prone to accidents and violations could pay around $2,526 or more
• Policy cost that insures a teen driver with full coverage can cost $4,406 a year

View Chart as Image

Insurance rates for a Subaru Crosstrek also range considerably based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,400 to $1,900 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could 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 should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

Your home state makes a big difference in Subaru Crosstrek insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,670 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $440 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, and rates will be varied.

How to Find the Cheapest Subaru Crosstrek Insurance

Finding cheaper rates on Subaru Crosstrek insurance not only requires avoiding accidents and violations, but also having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices at every other renewal by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The list below is a recap of the concepts that were covered in the charts and tables above.

• High-risk drivers that have major violations or accidents will likely pay on average $1,350 more per year for car insurance
• Teenagers are the costliest to insure, with premiums being up to $367 each month if comprehensive and collision insurance is included
• You may be able to save around $140 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• You may be able to save around $140 per year simply by shopping early and online