Subaru Crosstrek Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Jun 3, 2024
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Average insurance rates for a Subaru Crosstrek are $1,174 a year including full coverage. Comprehensive costs around $250 a year, collision costs $400, and liability costs $388. A liability-only policy costs as little as $434 a year, with high-risk insurance costing around $2,526. 16-year-old drivers receive the highest rates at $4,406 a year or more.
Average premium for full coverage: $1,174
Rate estimates for individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Crosstrek trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as low as $434 for your basic liability-only policy to a high of $2,526 for a high-risk insurance policy.
Price Range by Location
Your location can make a big difference on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than congested cities.
The diagram below illustrates the effect of geographic area on auto insurance rates.
These examples highlight why it is important to compare rates for a specific zip code and risk profile, instead of making a decision based on 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.
More Rate Information
The chart below breaks down estimated Subaru Crosstrek insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $683
- Drivers who choose higher $1,000 deductibles will pay about $1,026 every year
- The average rate for a 40-year-old driver using $500 deductibles is $1,174
- Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,458
- Drivers with multiple tickets or accidents could pay at least $2,526 or more
- The cost for full coverage for a 16-year-old driver can be $4,406 a year
Insurance rates for a Subaru Crosstrek can also vary considerably based on your driver profile, the model of your Crosstrek, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $4,400 a year. View Rates by Age
Where you live makes a big difference in Subaru Crosstrek insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,670 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles could save up to $440 annually, while buying higher liability limits will increase rates. Changing 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 likely paying at least $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 133% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to figure out your exact price is to get quotes from multiple companies. Every company utilizes a different rate formula, so the rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Crosstrek | $306 | $506 | $338 | $1,286 |
| 2023 Subaru Crosstrek | $296 | $494 | $354 | $1,280 |
| 2022 Subaru Crosstrek | $286 | $474 | $364 | $1,260 |
| 2021 Subaru Crosstrek | $270 | $458 | $376 | $1,240 |
| 2020 Subaru Crosstrek | $260 | $424 | $384 | $1,204 |
| 2019 Subaru Crosstrek | $250 | $400 | $388 | $1,174 |
| 2018 Subaru Crosstrek | $240 | $358 | $390 | $1,124 |
| 2017 Subaru Crosstrek | $224 | $330 | $390 | $1,080 |
| 2016 Subaru Crosstrek | $216 | $310 | $394 | $1,056 |
| 2014 Subaru Crosstrek | $194 | $268 | $402 | $1,000 |
| 2013 Subaru Crosstrek | $190 | $244 | $406 | $976 |
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 Best Subaru Crosstrek Insurance
Saving money on insurance for a Subaru Crosstrek not only requires being safe and accident-free, but also maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates at least every other year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.
Below you'll find a brief recap of the car insurance concepts covered in the above illustrations.
- Drivers considered higher risk who tend to receive serious violations pay on average $1,350 more every year than a low-risk driver
- You may be able to save up to $140 per year simply by quoting early and online
- Increasing deductibles can save around $425 each year
- Insureds who may need more liability protection will pay around $430 per year to go from a minimum limit to 250/500 limits
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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