Subaru Crosstrek Insurance Rates
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UPDATED: Jun 6, 2023
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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:
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.
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.
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
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.
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% |
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.
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
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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