Subaru Crosstrek Insurance Rates

Average insurance rates for a Subaru Crosstrek are $1,174 a year including full coverage. Comprehensive insurance costs an estimated $250 a year, collision insurance costs $400, and liability coverage is $388. Liability-only coverage costs around $434 a year, and high-risk coverage costs $2,526 or more. Teens receive the highest rates at up to $4,406 a year.

Average premium for full coverage: $1,174

Rate estimates broken down by individual coverage type:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Crosstrek trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects insurance prices.

These examples highlight why it is important to compare rates quotes for a targeted area and risk profile, rather than using averaged prices.

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

Additional Rate Information

The chart below breaks down average Subaru Crosstrek insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $683
• Raising to $1,000 deductibles will save approximately $1,026 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,174
• Selecting low $100 deductibles will cost an extra $284 each year
• Unlucky drivers with serious driving violations could pay up to $2,526
• The cost for full coverage for a teenage driver can cost as much as $4,406

View Chart as Image

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

Older drivers with no driving violations and high deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $4,400 a year. View Rates by Age

Where you live also has a big influence on Subaru Crosstrek insurance rates. A middle-age driver might find rates as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,670 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $440 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 133% more than the average policy. View High Risk Driver Rates

How to Find Affordable Subaru Crosstrek Insurance

Saving money on auto insurance consists of avoiding accidents and claims, having above-average credit, not filing small claims, and possibly higher deductibles. Set aside time to shop around once a year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The points below are a brief review of the data that was raised in the charts and tables above.

• You may be able to save approximately $140 per year just by quoting early and online
• Consumers who want increased liability limits will pay approximately $430 per year to raise from a minimum limit to 250/500 limits
• Drivers under the age of 20 have the highest car insurance rates, as much as $367 per month if full coverage is included
• Drivers with DUI or reckless driving convictions may pay on average $1,350 more annually to insure a Subaru Crosstrek