Subaru Crosstrek Insurance Rates

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UPDATED: Jun 3, 2024

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Subaru Crosstrek insurance

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:

Comprehensive $250
Collision $400
Liability $388

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.

Liability Only $434
Full Coverage $1,174
High Risk $2,526

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.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

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

View Chart as Image

Subaru Crosstrek insurance cost comparison chart
Column chart showing full coverage Subaru Crosstrek insurance rates range from $683 to $4,406

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.

Subaru Crosstrek Insurance Rates by State
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%

View Chart as Image

Subaru Crosstrek insurance rates by U.S. city

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.

Subaru Crosstrek Insurance Rates by Model Year
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

Rates by Driver Age

Subaru Crosstrek Insurance 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

Subaru Crosstrek Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,326
$500 $1,174
$1,000 $1,026

Full coverage, driver age 40

Rates by Liability Limit

Subaru Crosstrek Insurance Rates with Different Liability Limits
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

Subaru Crosstrek Insurance 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.

SR-22 Surcharge $161

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
Rate after discounts $683

Discounts are estimated and may not be available from every company or in every state.

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