Subaru Crosstrek Insurance Rates

The average insurance prices for a Subaru Crosstrek are $1,204 every 12 months for full coverage insurance. Comprehensive costs approximately $260 a year, collision insurance costs $424, and liability insurance costs around $384. A liability-only policy costs as low as $432 a year, and high-risk insurance costs around $2,596. Teens cost the most to insure at up to $4,500 a year.

Average premium for full coverage: $1,204

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Crosstrek trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location and their own driving history, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below illustrates average Subaru Crosstrek insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $699
• Using higher $1,000 deductibles will save $1,050 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,204
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,504
• Drivers with serious driving violations could pay around $2,596
• Policy cost to insure a teen driver can cost $4,500 or more

View Chart as Image

Car insurance rates for a Subaru Crosstrek also range considerably based on liability limits and deductibles, your risk profile, and the model of your Crosstrek.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $460 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Subaru Crosstrek insurance rates. A driver around age 40 might see rates as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,620 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for the Best Subaru Crosstrek Insurance

Finding cheaper rates on Subaru Crosstrek insurance requires being safe and accident-free, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Spend time shopping around at least every other year by requesting quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a brief recap of the car insurance concepts touched on above.

• High-risk drivers who tend to receive serious violations may have to pay on average $1,390 more per year than a low-risk driver
• It is possible to save around $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Drivers who purchase more liability protection will pay approximately $420 annually to increase from a 30/60 limit to a 250/500 level