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 6, 2023

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Subaru Crosstrek insurance

Average insurance rates for a Subaru Crosstrek are $1,174 a year for full coverage insurance. Comprehensive costs approximately $250 each year, collision costs $400, and liability is estimated at $388. A liability-only policy costs approximately $434 a year, with high-risk insurance costing around $2,526. Teenage drivers receive the highest rates at $4,406 a year or more.

Average premium for full coverage: $1,174

Rate estimates by individual coverage type:

Comprehensive $250
Collision $400
Liability $388

Includes $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Crosstrek models.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $434 for basic liability insurance to a high rate of $2,526 for high-risk insurance.

Liability Only $434
Full Coverage $1,174
High Risk $2,526

Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance prices.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

These examples illustrate why all drivers should get quotes using their specific location and risk profile, 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.

Rate Comparisons

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

  • The best discount rate is $683
  • Choosing higher $1,000 deductibles can save $148 each year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,174
  • Using low deductibles for comp and collision coverage will increase the cost to $1,458
  • Unlucky drivers who are prone to accidents and violations could pay around $2,526 or more
  • The cost for full coverage for a teen driver can cost $4,406 each year

View Chart as Image

Subaru Crosstrek insurance cost comparison chart
Column chart showing full coverage Subaru Crosstrek insurance rates range from $683 to $4,406

Insurance rates for a Subaru Crosstrek can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $4,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Subaru Crosstrek insurance prices. A good driver about age 40 could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,580 on average in Florida, New York, and Michigan.

Subaru Crosstrek Insurance Rates by State
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%

View Chart as Image

Subaru Crosstrek insurance rates by U.S. city

Using high physical damage deductibles can save as much as $440 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $349 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different from one company to the next.

Subaru Crosstrek Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Subaru Crosstrek $260 $424 $384 $1,204
2017 Subaru Crosstrek $250 $400 $388 $1,174
2014 Subaru Crosstrek $216 $310 $394 $1,056
2013 Subaru Crosstrek $210 $288 $402 $1,036

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 Cheapest Subaru Crosstrek Insurance

Saving money on car insurance takes being safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every couple of years by getting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

Below you'll find a recap of the material that was touched on above.

  • Policyholders who purchase more liability protection will pay an extra $430 annually to raise limits from a minimum limit to 250/500 limits
  • Youthful drivers are expensive to insure, costing up to $367 per month for full coverage
  • Higher risk drivers that have major violations or accidents may pay on average $1,350 more per year than a low-risk driver
  • Increasing deductibles can save around $425 each year

Rates by Driver Age

Subaru Crosstrek Insurance 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

Subaru Crosstrek Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,326
$500 $1,174
$1,000 $1,026

Full coverage, driver age 40

Rates by Liability Limit

Subaru Crosstrek Insurance Rates with Different Liability Limits
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

Subaru Crosstrek Insurance 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.

SR-22 Surcharge $161

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
Rate after discounts $683

Discounts are estimated and may not be available from every company or in every state.

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