Subaru Crosstrek Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 3, 2024
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Estimated insurance prices for a Subaru Crosstrek are $1,174 every 12 months with full coverage. Comprehensive insurance costs on average $250, collision insurance costs $400, and liability costs around $388. A liability-only policy costs as low as $434 a year, and high-risk insurance costs $2,526 or more. Teenage drivers pay the most at up to $4,406 a year.
Average premium for full coverage: $1,174
Premium estimates by type of coverage:
Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different Crosstrek trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Subaru Crosstrek range from the cheapest price of $434 for the bare minimum liability coverage to a much higher rate of $2,526 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than densely populated cities. The price range example below illustrates how location helps determine car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, 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 Information
The chart below details average Subaru Crosstrek insurance rates for different risk profiles and scenarios.
- The best discount rate is $683
- Using higher $1,000 deductibles will save around $148 annually
- The average price for a 40-year-old good driver with $500 deductibles is $1,174
- Using more expensive low deductibles for physical damage coverage costs an extra $284 every year
- Drivers who are prone to accidents and violations could pay upwards of $2,526
- An auto insurance policy to insure a teen driver with full coverage may cost $4,406 or more
Auto insurance prices for a Subaru Crosstrek also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your Crosstrek.
Using high physical damage deductibles could cut prices by as much as $440 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $349 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $4,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,400 to $1,900 in extra premium annually, depending on your age. High-risk driver insurance can be as much as 43% to 133% more than a normal policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Subaru Crosstrek insurance prices. A driver around age 40 might see prices as low as $840 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,580 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,060 | -$114 | -9.7% |
| Alaska | $898 | -$276 | -23.5% |
| Arizona | $974 | -$200 | -17.0% |
| Arkansas | $1,174 | -$0 | 0.0% |
| California | $1,336 | $162 | 13.8% |
| Colorado | $1,118 | -$56 | -4.8% |
| Connecticut | $1,202 | $28 | 2.4% |
| Delaware | $1,324 | $150 | 12.8% |
| Florida | $1,464 | $290 | 24.7% |
| Georgia | $1,084 | -$90 | -7.7% |
| Hawaii | $844 | -$330 | -28.1% |
| Idaho | $794 | -$380 | -32.4% |
| Illinois | $872 | -$302 | -25.7% |
| Indiana | $884 | -$290 | -24.7% |
| Iowa | $790 | -$384 | -32.7% |
| Kansas | $1,112 | -$62 | -5.3% |
| Kentucky | $1,598 | $424 | 36.1% |
| Louisiana | $1,736 | $562 | 47.9% |
| Maine | $722 | -$452 | -38.5% |
| Maryland | $968 | -$206 | -17.5% |
| Massachusetts | $936 | -$238 | -20.3% |
| Michigan | $2,034 | $860 | 73.3% |
| Minnesota | $980 | -$194 | -16.5% |
| Mississippi | $1,402 | $228 | 19.4% |
| Missouri | $1,040 | -$134 | -11.4% |
| Montana | $1,258 | $84 | 7.2% |
| Nebraska | $922 | -$252 | -21.5% |
| Nevada | $1,406 | $232 | 19.8% |
| New Hampshire | $846 | -$328 | -27.9% |
| New Jersey | $1,308 | $134 | 11.4% |
| New Mexico | $1,034 | -$140 | -11.9% |
| New York | $1,232 | $58 | 4.9% |
| North Carolina | $674 | -$500 | -42.6% |
| North Dakota | $960 | -$214 | -18.2% |
| Ohio | $808 | -$366 | -31.2% |
| Oklahoma | $1,202 | $28 | 2.4% |
| Oregon | $1,072 | -$102 | -8.7% |
| Pennsylvania | $1,118 | -$56 | -4.8% |
| Rhode Island | $1,562 | $388 | 33.0% |
| South Carolina | $1,062 | -$112 | -9.5% |
| South Dakota | $988 | -$186 | -15.8% |
| Tennessee | $1,024 | -$150 | -12.8% |
| Texas | $1,412 | $238 | 20.3% |
| Utah | $866 | -$308 | -26.2% |
| Vermont | $800 | -$374 | -31.9% |
| Virginia | $702 | -$472 | -40.2% |
| Washington | $902 | -$272 | -23.2% |
| West Virginia | $1,074 | -$100 | -8.5% |
| Wisconsin | $808 | -$366 | -31.2% |
| Wyoming | $1,042 | -$132 | -11.2% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Crosstrek | $306 | $506 | $338 | $1,286 |
| 2023 Subaru Crosstrek | $296 | $494 | $354 | $1,280 |
| 2022 Subaru Crosstrek | $286 | $474 | $364 | $1,260 |
| 2021 Subaru Crosstrek | $270 | $458 | $376 | $1,240 |
| 2020 Subaru Crosstrek | $260 | $424 | $384 | $1,204 |
| 2019 Subaru Crosstrek | $250 | $400 | $388 | $1,174 |
| 2018 Subaru Crosstrek | $240 | $358 | $390 | $1,124 |
| 2017 Subaru Crosstrek | $224 | $330 | $390 | $1,080 |
| 2016 Subaru Crosstrek | $216 | $310 | $394 | $1,056 |
| 2014 Subaru Crosstrek | $194 | $268 | $402 | $1,000 |
| 2013 Subaru Crosstrek | $190 | $244 | $406 | $976 |
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 Shop for Affordable Subaru Crosstrek Insurance
Finding better rates on car insurance requires having a good driving record, having a good credit score, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates at every other renewal by getting quotes from direct companies, and also from local exclusive and independent agents.
The next list is a brief review of the concepts that were covered in the charts and tables above.
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,350 more each year to buy Subaru Crosstrek insurance
- Drivers age 20 and younger are charged the highest prices, possibly costing $367 per month if comprehensive and collision insurance is included
- You may be able to save as much as $140 per year just by shopping early and online
- Increasing policy deductibles could save as much as $425 each year
- You may be able to save as much as $140 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,406 |
| 20 | $2,682 |
| 30 | $1,216 |
| 40 | $1,174 |
| 50 | $1,072 |
| 60 | $1,052 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,458 |
| $250 | $1,326 |
| $500 | $1,174 |
| $1,000 | $1,026 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,174 |
| 50/100 | $1,252 |
| 100/300 | $1,349 |
| 250/500 | $1,601 |
| 100 CSL | $1,290 |
| 300 CSL | $1,504 |
| 500 CSL | $1,659 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,274 |
| 20 | $4,270 |
| 30 | $2,574 |
| 40 | $2,526 |
| 50 | $2,408 |
| 60 | $2,386 |
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 | $62 |
| Multi-vehicle | $62 |
| Homeowner | $18 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $51 |
| Advance Quote | $56 |
| Online Quote | $83 |
| Total Discounts | $491 |
Discounts are estimated and may not be available from every company or in every state.
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