Subaru Crosstrek Insurance Rates

U.S. average insurance rates for a Subaru Crosstrek are $1,174 a year for full coverage insurance. Comprehensive insurance costs on average $250 each year, collision insurance costs $400, and liability coverage is $388. Liability-only insurance costs around $434 a year, and high-risk driver insurance costs $2,526 or more. 16-year-old drivers pay the highest rates at up to $4,406 a year.

Average premium for full coverage: $1,174

Price estimates by individual coverage:

Rate estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Crosstrek models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities. The graphic below illustrates how location impacts car insurance rates.

The ranges above illustrate why all drivers should compare rates quotes based on a specific location, rather than using rate averages.

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

More Rate Information

The chart below illustrates average Subaru Crosstrek insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $683
• Raising to $1,000 deductibles will save around $148 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,174
• Buying low deductibles will cost an additional $284 each year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,526
• The price that insures a teenage driver may cost $4,406

View Chart as Image

Car insurance prices for a Subaru Crosstrek are also quite variable based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,400 a year. View Rates by Age

The state you live in also has a big influence on Subaru Crosstrek insurance rates. A middle-age driver might find prices as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,580 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $440 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Subaru Crosstrek Insurance

Getting lower rates on auto insurance consists of being a safe and courteous driver, having a positive credit history, not filing small claims, and possibly raising deductibles. Comparison shop at least once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below is a brief recap of the primary concepts that were touched on above.

• It is possible to save as much as $140 per year just by quoting online in advance
• Drivers who tend to receive serious violations may pay on average $1,350 more each year for auto insurance
• Increasing physical damage deductibles can save approximately $425 each year
• Teenage drivers are expensive to insure, as much as $367 a month if full coverage is purchased