Subaru Crosstrek Insurance Rates

The average insurance rates for a Subaru Crosstrek are $1,174 a year for full coverage. Comprehensive insurance costs on average $250 a year, collision insurance costs $400, and liability costs $388. Buying just liability costs as little as $434 a year, and insurance for high-risk drivers costs $2,526 or more. Teen drivers cost the most to insure at up to $4,406 a year.

Average premium for full coverage: $1,174

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how location helps determine car insurance rates.

The examples above show why it is important to compare rates based on a specific location, instead of using price averages.

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

Additional Charts and Tables

The chart below shows average Subaru Crosstrek insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $683
• Drivers who choose higher $1,000 deductibles will pay around $1,026 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,174
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $284 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,526
• Policy cost that insures a teen driver may cost $4,406 a year

View Chart as Image

Insurance rates for a Subaru Crosstrek also range considerably based on the trim level of your Crosstrek, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 133% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,400 a year. View Rates by Age

Your home state makes a big difference in Subaru Crosstrek insurance prices. A 40-year-old driver could pay as low as $770 a year in states like Idaho, Maine, and Iowa, or as much as $1,670 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $440 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit

How to Find the Right Subaru Crosstrek Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Shop around at least once a year by getting price quotes from direct carriers, and also from local exclusive and independent agents.

Below you'll find a quick rundown of the primary concepts that were covered in the charts and tables above.

• Drivers can save as much as $140 per year just by quoting early and online
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,350 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Youthful drivers pay the highest rates, costing up to $367 each month if full coverage is included