Subaru Crosstrek Insurance Rates

U.S. average insurance rates for a Subaru Crosstrek are $1,174 a year including full coverage. Comprehensive costs approximately $250 a year, collision insurance costs $400, and liability coverage costs around $388. Liability-only insurance costs as low as $434 a year, and high-risk driver insurance costs around $2,526. Teen drivers pay the highest rates at up to $4,406 a year.

Average premium for full coverage: $1,174

Price estimates by individual coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Crosstrek trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why it is important to compare prices using their specific location, rather than using price averages.

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

Detailed Rate Analysis

The chart below breaks down average Subaru Crosstrek insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $683
• Using higher $1,000 deductibles will save $1,026 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,174
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,458
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,526
• The price that insures a teenage driver can cost $4,406 or more

View Chart as Image

Car insurance prices for a Subaru Crosstrek are also quite variable based on the trim level of your Crosstrek, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy can be around 43% to 133% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,400 a year. View Rates by Age

The state you live in has a huge impact on Subaru Crosstrek insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,670 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $440 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Cheap Subaru Crosstrek Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having a positive credit history, being claim-free, and attention to physical damage deductibles. Shop around every couple of years by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The points below are a brief summary of the material that was covered above.

• Consumers who purchase increased liability limits will pay about $430 per year to increase from a low limit to the 250/500 level
• Drivers under the age of 20 pay the highest auto insurance prices, possibly costing $367 a month if full coverage is purchased
• Drivers that tend to have accidents or serious violations will likely pay on average $1,350 more per year to insure a Subaru Crosstrek
• Increasing physical damage deductibles can save approximately $425 each year