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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U.S. average insurance rates for a Subaru Crosstrek are $1,174 a year for full coverage. Comprehensive costs approximately $250 a year, collision costs $400, and liability coverage costs around $388. A policy with just liability insurance costs as low as $434 a year, with coverage for high-risk drivers costing around $2,526. 16-year-old drivers pay the highest rates at $4,406 a year or more.
Average premium for full coverage: $1,174
Price estimates by individual coverage:
Includes $500 deductible amounts, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Crosstrek trim levels.
Price Range from Low to High
For the average 40-year-old driver, Subaru Crosstrek insurance prices go from as low as $434 for your basic liability-only policy to a high of $2,526 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live has a large influence on car insurance rates. Rural locations have a lower frequency of accident claims than congested cities.
The diagram below illustrates the difference location can make on auto insurance prices.
The ranges above show why it is important to compare prices using their specific location and risk profile, rather than 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.
More Rate Information
The chart below shows estimated Subaru Crosstrek insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $683
- Using higher $1,000 deductibles will save $1,026 a year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,174
- Buying low $100 deductibles for physical damage coverage will increase the cost to $1,458
- Higher-risk drivers with multiple tickets or accidents could pay around $2,526 or more
- The price for full coverage for a teenage driver can cost $4,406 or more
Insurance prices for a Subaru Crosstrek are also quite variable based on your driving record, the trim level of your Crosstrek, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay 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 $770 a year in states like Iowa, Maine, and Idaho, or at least $1,670 on average in New York, Louisiana, and Michigan.
| 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 cut prices by as much as $440 a year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be 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 the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so the prices may be quite 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 Cheapest Subaru Crosstrek Insurance
Getting lower rates on auto insurance requires having a good driving record, maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates once a year by requesting rates from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The next list is a recap of the data that was touched on in this article.
- Drivers can save around $140 per year simply by quoting early and online
- Consumers who purchase increased levels of liability coverage will pay around $430 each year to increase from a low limit to 250/500 limits
- Drivers age 20 and younger are expensive to insure, with premiums as much as $367 a month for full coverage
- Drivers that have major violations or accidents may pay on average $1,350 more per year to buy Subaru Crosstrek insurance
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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