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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The average insurance rates for a Subaru Crosstrek are $1,204 a year including full coverage. Comprehensive insurance costs around $260, collision insurance costs $424, and liability is $384. Liability-only coverage costs around $432 a year, and high-risk coverage costs $2,596 or more. 16-year-old drivers cost the most to insure at up to $4,500 a year.
Average premium for full coverage: $1,204
Policy rates for type of insurance:
Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Crosstrek models.
Price Range Variability
Using a middle-aged driver as an example, Subaru Crosstrek insurance rates range from the low end price of $432 for just the minimum liability insurance to the much higher price of $2,596 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how where you live affects auto insurance rates.
The examples above highlight why everyone should compare rates quotes for a specific zip code, instead of using rate averages.
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 Analysis
The chart below breaks down average Subaru Crosstrek insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $699
- Raising to $1,000 deductibles will save about $154 every year
- The estimated price for a good driver age 40 using $500 deductibles is $1,204
- Buying pricier low deductibles will cost an additional $300 every year
- At-risk drivers with multiple tickets or accidents could pay at least $2,596
- Policy cost that insures a teen driver for full coverage can be $4,500
Insurance rates for a Subaru Crosstrek also range considerably based on the model of your Crosstrek, your driving record and age, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,400 to $2,000 additional every year, depending on your age. Subaru Crosstrek insurance for high-risk drivers is expensive and can cost as much as 44% to 130% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,500 a year. View Rates by Age
Your home state also has a big influence on Subaru Crosstrek insurance prices. A middle-age driver might find rates as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,720 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$118 | -9.8% |
| Alaska | $924 | -$280 | -23.3% |
| Arizona | $998 | -$206 | -17.1% |
| Arkansas | $1,204 | -$0 | 0.0% |
| California | $1,372 | $168 | 14.0% |
| Colorado | $1,148 | -$56 | -4.7% |
| Connecticut | $1,236 | $32 | 2.7% |
| Delaware | $1,360 | $156 | 13.0% |
| Florida | $1,502 | $298 | 24.8% |
| Georgia | $1,112 | -$92 | -7.6% |
| Hawaii | $864 | -$340 | -28.2% |
| Idaho | $816 | -$388 | -32.2% |
| Illinois | $896 | -$308 | -25.6% |
| Indiana | $908 | -$296 | -24.6% |
| Iowa | $812 | -$392 | -32.6% |
| Kansas | $1,142 | -$62 | -5.1% |
| Kentucky | $1,642 | $438 | 36.4% |
| Louisiana | $1,780 | $576 | 47.8% |
| Maine | $742 | -$462 | -38.4% |
| Maryland | $992 | -$212 | -17.6% |
| Massachusetts | $960 | -$244 | -20.3% |
| Michigan | $2,090 | $886 | 73.6% |
| Minnesota | $1,010 | -$194 | -16.1% |
| Mississippi | $1,442 | $238 | 19.8% |
| Missouri | $1,066 | -$138 | -11.5% |
| Montana | $1,292 | $88 | 7.3% |
| Nebraska | $946 | -$258 | -21.4% |
| Nevada | $1,444 | $240 | 19.9% |
| New Hampshire | $868 | -$336 | -27.9% |
| New Jersey | $1,344 | $140 | 11.6% |
| New Mexico | $1,064 | -$140 | -11.6% |
| New York | $1,266 | $62 | 5.1% |
| North Carolina | $692 | -$512 | -42.5% |
| North Dakota | $986 | -$218 | -18.1% |
| Ohio | $828 | -$376 | -31.2% |
| Oklahoma | $1,234 | $30 | 2.5% |
| Oregon | $1,102 | -$102 | -8.5% |
| Pennsylvania | $1,146 | -$58 | -4.8% |
| Rhode Island | $1,604 | $400 | 33.2% |
| South Carolina | $1,092 | -$112 | -9.3% |
| South Dakota | $1,016 | -$188 | -15.6% |
| Tennessee | $1,054 | -$150 | -12.5% |
| Texas | $1,452 | $248 | 20.6% |
| Utah | $890 | -$314 | -26.1% |
| Vermont | $822 | -$382 | -31.7% |
| Virginia | $720 | -$484 | -40.2% |
| Washington | $928 | -$276 | -22.9% |
| West Virginia | $1,104 | -$100 | -8.3% |
| Wisconsin | $832 | -$372 | -30.9% |
| Wyoming | $1,072 | -$132 | -11.0% |
Opting for high physical damage deductibles can reduce rates by up to $460 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $345 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Crosstrek | $320 | $512 | $332 | $1,300 |
| 2023 Subaru Crosstrek | $306 | $506 | $338 | $1,286 |
| 2022 Subaru Crosstrek | $296 | $494 | $354 | $1,280 |
| 2021 Subaru Crosstrek | $286 | $474 | $364 | $1,260 |
| 2020 Subaru Crosstrek | $270 | $458 | $376 | $1,240 |
| 2019 Subaru Crosstrek | $260 | $424 | $384 | $1,204 |
| 2018 Subaru Crosstrek | $250 | $400 | $388 | $1,174 |
| 2017 Subaru Crosstrek | $240 | $358 | $390 | $1,124 |
| 2016 Subaru Crosstrek | $224 | $330 | $390 | $1,080 |
| 2014 Subaru Crosstrek | $210 | $288 | $402 | $1,036 |
| 2013 Subaru Crosstrek | $194 | $268 | $402 | $1,000 |
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 Cheaper Subaru Crosstrek Insurance
Finding cheaper rates on car insurance consists of having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Comparison shop every couple of years by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.
The following items are a condensed summary of the material that was touched on in the above illustrations.
- Policyholders who may need additional liability coverage will pay around $420 per year to raise from a 30/60 limit to the 250/500 level
- 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $375 each month if comprehensive and collision insurance is included
- Higher risk drivers with multiple at-fault accidents may have to pay on average $1,390 more every year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save approximately $450 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,500 |
| 20 | $2,756 |
| 30 | $1,252 |
| 40 | $1,204 |
| 50 | $1,100 |
| 60 | $1,080 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,504 |
| $250 | $1,366 |
| $500 | $1,204 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,204 |
| 50/100 | $1,281 |
| 100/300 | $1,377 |
| 250/500 | $1,626 |
| 100 CSL | $1,319 |
| 300 CSL | $1,530 |
| 500 CSL | $1,684 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,418 |
| 20 | $4,388 |
| 30 | $2,648 |
| 40 | $2,596 |
| 50 | $2,474 |
| 60 | $2,452 |
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 | $64 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $53 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $505 |
Discounts are estimated and may not be available from every company or in every state.
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