Subaru Crosstrek Insurance Rates

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UPDATED: Jun 3, 2024

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Subaru Crosstrek insurance

U.S. average auto insurance rates for a Subaru Crosstrek are $1,174 annually including full coverage. Comprehensive insurance costs around $250 each year, collision costs $400, and liability insurance costs around $388. A policy with just liability insurance costs as low as $434 a year, with coverage for high-risk drivers costing $2,526 or more. Teens pay the highest rates at $4,406 a year or more.

Average premium for full coverage: $1,174

Price estimates for individual coverage:

Comprehensive $250
Collision $400
Liability $388

Rates are based on $500 deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Crosstrek models.

Price Range from Low to High

For a 40-year-old driver, Subaru Crosstrek insurance prices go from as cheap as $434 for the bare minimum liability coverage to a high rate 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 significant impact on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how your location can change auto insurance rates.

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

The ranges above highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than relying 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 Information

The chart below breaks down estimated Subaru Crosstrek insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $683
  • Using higher $1,000 deductibles will save about $148 every year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,174
  • Selecting low deductibles for physical damage coverage costs an additional $284 a year
  • Drivers with serious driving violations could pay at least $2,526 or more
  • The price with full coverage for a teen driver can be $4,406 or more

View Chart as Image

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

Insurance prices for a Subaru Crosstrek are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $440 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

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 $900 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,670 on average in Michigan, New York, and Louisiana.

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

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each insurance company calculates prices differently, so the prices may be quite different between companies.

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 Buy the Best Cheap Subaru Crosstrek Insurance

Getting lower rates on Subaru Crosstrek insurance requires not taking risks behind the wheel, having a good credit history, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around once a year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a quick review of the data that was illustrated above.

  • You may be able to save up to $140 per year simply by quoting online in advance
  • Drivers who may need higher liability limits will pay approximately $430 per year to increase from a low limit to higher 250/500 limits
  • Teens pay higher prices, possibly costing $367 a month including comprehensive and collision insurance
  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,350 more every year for 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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