Subaru Crosstrek Insurance Rates

The average insurance rates for a Subaru Crosstrek are $1,174 a year for full coverage. Comprehensive insurance costs an estimated $250 a year, collision insurance costs $400, and liability coverage is $388. Liability-only insurance costs around $434 a year, and high-risk driver insurance costs $2,526 or more. 16-year-old drivers cost the most to insure at up to $4,406 a year.

Average premium for full coverage: $1,174

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Crosstrek trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. More rural locations are shown to have a lower frequency of accident claims than congested cities. The diagram below illustrates how geographic area affects insurance prices.

The examples above show why it is important to compare rates quotes for a targeted area and risk profile, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $683
• Raising to $1,000 deductibles will save approximately $1,026 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,174
• Buying low $100 deductibles will cost an extra $284 each year
• Unlucky drivers with multiple tickets or accidents could pay up to $2,526
• Policy cost for full coverage for a teenage driver can cost as much as $4,406

View Chart as Image

Auto insurance rates for a Subaru Crosstrek also range considerably based on your risk profile, the trim level of your Crosstrek, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $4,400 a year. View Rates by Age

Your home state also has a big influence on Subaru Crosstrek insurance rates. A middle-age driver might find rates 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.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $440 a year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 133% more than the average rate. View High Risk Driver Rates

How to Find the Best Subaru Crosstrek Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates every other policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a brief recap of the ideas that were presented in the illustrations above.

• Youthful drivers are the costliest to insure, costing up to $367 each month if they have full coverage
• Drivers who tend to receive serious violations pay an average of $1,350 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $425 each year
• Drivers can save approximately $140 per year just by quoting early and online