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...
Licensed Insurance Agent
UPDATED: Jun 3, 2024
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U.S. average insurance rates for a Subaru Crosstrek are $1,174 a year for full coverage insurance. Comprehensive costs on average $250 each year, collision insurance costs $400, and liability costs around $388. Liability-only coverage costs as low as $434 a year, and high-risk coverage costs around $2,526. Teens pay the highest rates at up to $4,406 a year.
Average premium for full coverage: $1,174
Price estimates by individual coverage:
Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Crosstrek models.
Price Range from Low to High
For the normal driver, Subaru Crosstrek insurance prices range from the low end price of $434 for the bare minimum liability coverage to a high rate of $2,526 for a high-risk driver policy.
Geographic Price Range
Where you live can have significant affects on insurance rates. Rural areas have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects car insurance rates.
The ranges above illustrate why all drivers should compare prices based on a specific location, instead of using 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 illustrates average Subaru Crosstrek insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $683
- Using higher $1,000 deductibles will save around $148 each year
- The estimated price for the average middle-age driver with $500 deductibles is $1,174
- Selecting low deductibles for physical damage coverage bumps up the cost to $1,458
- Drivers with serious driving violations could pay upwards of $2,526
- The price that insures a teen driver may cost $4,406 or more
Auto insurance prices for a Subaru Crosstrek are also quite variable based on the trim level and model year, your age and driving record, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 in extra premium each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 133% more than the average policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,400 a year. View Rates by Age
The state you live in has a huge impact on Subaru Crosstrek insurance prices. A driver around age 40 might see prices as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,580 on average in Michigan, New York, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $440 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit
| 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 Cheaper Subaru Crosstrek Insurance
Getting lower rates on car insurance requires avoiding accidents and claims, maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare rates every time your policy renews by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The points below are a condensed summary of the information presented in the illustrations above.
- It is possible to save as much as $140 per year just by quoting online in advance
- Drivers under the age of 20 are charged the highest prices, as much as $367 a month if the policy includes full coverage
- Increasing physical damage deductibles can save approximately $425 each year
- Higher risk drivers with multiple at-fault accidents may pay on average $1,350 more each year to insure a Subaru Crosstrek
- Policyholders who require increased liability limits will pay approximately $430 annually to increase from a low limit to the 250/500 level
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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