Subaru Crosstrek Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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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Estimated auto insurance rates for a Subaru Crosstrek are $1,174 annually for full coverage. Comprehensive insurance costs approximately $250 a year, collision costs $400, and liability coverage costs around $388. Liability-only coverage costs as low as $434 a year, with high-risk coverage costing $2,526 or more. Teen drivers pay the most at $4,406 a year or more.
Average premium for full coverage: $1,174
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Crosstrek trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Subaru Crosstrek go from as cheap as $434 for basic liability insurance to a high of $2,526 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on car insurance rates. Rural locations are statistically proven to have fewer accident claims than larger metro areas.
The diagram below illustrates how geographic area affects auto insurance prices.
These rate differences show why it is important to compare prices using their specific location and their own personal driving habits, rather than using price 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.
Rate Comparisons
The chart below shows estimated Subaru Crosstrek insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $683
- Using higher $1,000 deductibles will save $1,026 a year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,174
- Choosing low $100 deductibles for physical damage coverage costs an additional $284 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,526 or more
- An auto insurance policy with full coverage for a teenage driver can cost $4,406 or more
Insurance prices for a Subaru Crosstrek also have a wide range based on the model of your Crosstrek, your driver profile, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can be around 43% to 133% more than average. View High Risk Driver Rates
Choosing high 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 bodily injury limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit
Where you choose to live 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 as much as $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% |
With such a large range in prices, 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 uses a different rate calculation, so the prices will be substantially different between companies.
| 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
Finding better rates on auto insurance requires being a good driver, having a good credit history, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at every policy renewal by requesting rates from direct carriers, and also from several local insurance agents.
The following list is a quick review of the data presented in the illustrations above.
- Consumers who purchase an increased level of liability coverage will pay about $430 each year to increase from 30/60 bodily injury limits to higher 250/500 limits
- Drivers can save around $140 per year simply by quoting early and online
- Increasing policy deductibles could save up to $425 each year
- Drivers age 16 to 20 are expensive to insure, as much as $367 per month including comprehensive and collision 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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