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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The average insurance prices for a Subaru Crosstrek are $1,174 every 12 months with full coverage. Comprehensive insurance costs around $250 a year, collision insurance costs $400, and liability is estimated at $388. A liability-only policy costs approximately $434 a year, and high-risk insurance costs $2,526 or more. Teens cost the most to insure at up to $4,406 a year.
Average premium for full coverage: $1,174
Policy rates for type of insurance:
Estimates include $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Crosstrek trim levels.
Price Range Variability
For a driver in their 40's, Subaru Crosstrek insurance rates range from the cheapest price of $434 for just the minimum liability insurance to a high of $2,526 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.
The examples above demonstrate why it is important to get quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.
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.
Additional Rate Analysis
The chart below details average Subaru Crosstrek insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $683
- Choosing higher $1,000 deductibles can save about $1,026 annually
- The average price for a good driver age 40 using $500 deductibles is $1,174
- Selecting low $100 deductibles for comp and collision coverage costs an extra $284 annually
- Higher-risk drivers with serious driving violations could pay at least $2,526
- Policy cost to insure a 16-year-old driver can be $4,406 each year
Car insurance rates for a Subaru Crosstrek also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $440 annually, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $4,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 133% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Subaru Crosstrek insurance prices. A good driver about age 40 could pay as low as $840 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,580 on average in Florida, Michigan, and New York.
| 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% |
| 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 Shop for Low Cost Subaru Crosstrek Insurance
Finding cheaper rates on insurance for a Subaru Crosstrek takes being a safe and courteous driver, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Invest time comparing rates every couple of years by getting quotes from direct companies, and also from several local insurance agents.
Below is a review of the material that was covered in the charts and tables above.
- Insureds who may need higher levels of liability will pay approximately $430 every year to raise limits from a 30/60 limit to a 250/500 level
- Teenage drivers are the costliest to insure, as much as $367 each month if the policy includes full coverage
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,350 more every year for auto insurance
- Increasing comprehensive and collision deductibles could save as much as $425 each year
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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