Subaru Crosstrek Insurance Rates
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UPDATED: Jun 3, 2024
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The average insurance rates for a Subaru Crosstrek are $1,204 a year including full coverage. Comprehensive costs on average $260, collision costs $424, and liability insurance costs $384. Buying just liability costs as little as $432 a year, with insurance for high-risk drivers costing around $2,596. Teenage drivers cost the most to insure at $4,500 a year or more.
Average premium for full coverage: $1,204
Policy rates by type of insurance:
Rates are based on $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all Crosstrek models.
Price Range Variability
For the average 40-year-old driver, Subaru Crosstrek insurance rates go from as low as $432 for your basic liability-only policy to the much higher price of $2,596 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.
The example below illustrates the difference location can make on car insurance rates.
The examples above highlight why everyone should compare rates based on a specific location and risk profile, rather than relying on average rates.
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 breaks down estimated Subaru Crosstrek insurance rates for different risk profiles and scenarios.
- The best discount rate is $699
- Drivers who choose higher $1,000 deductibles will pay around $154 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,204
- Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,504
- High risk drivers who are prone to accidents and violations could pay upwards of $2,596 or more
- Policy cost for full coverage for a teen driver for full coverage may cost $4,500 a year
Insurance rates for a Subaru Crosstrek also range considerably based on your risk profile, the model of your Crosstrek, and policy deductibles and limits.
A more mature driver with a clean driving record and high deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $4,500 a year. View Rates by Age
Your home state makes a big difference in Subaru Crosstrek insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,720 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$118 | -9.8% |
| Alaska | $924 | -$280 | -23.3% |
| Arizona | $998 | -$206 | -17.1% |
| Arkansas | $1,204 | -$0 | 0.0% |
| California | $1,372 | $168 | 14.0% |
| Colorado | $1,148 | -$56 | -4.7% |
| Connecticut | $1,236 | $32 | 2.7% |
| Delaware | $1,360 | $156 | 13.0% |
| Florida | $1,502 | $298 | 24.8% |
| Georgia | $1,112 | -$92 | -7.6% |
| Hawaii | $864 | -$340 | -28.2% |
| Idaho | $816 | -$388 | -32.2% |
| Illinois | $896 | -$308 | -25.6% |
| Indiana | $908 | -$296 | -24.6% |
| Iowa | $812 | -$392 | -32.6% |
| Kansas | $1,142 | -$62 | -5.1% |
| Kentucky | $1,642 | $438 | 36.4% |
| Louisiana | $1,780 | $576 | 47.8% |
| Maine | $742 | -$462 | -38.4% |
| Maryland | $992 | -$212 | -17.6% |
| Massachusetts | $960 | -$244 | -20.3% |
| Michigan | $2,090 | $886 | 73.6% |
| Minnesota | $1,010 | -$194 | -16.1% |
| Mississippi | $1,442 | $238 | 19.8% |
| Missouri | $1,066 | -$138 | -11.5% |
| Montana | $1,292 | $88 | 7.3% |
| Nebraska | $946 | -$258 | -21.4% |
| Nevada | $1,444 | $240 | 19.9% |
| New Hampshire | $868 | -$336 | -27.9% |
| New Jersey | $1,344 | $140 | 11.6% |
| New Mexico | $1,064 | -$140 | -11.6% |
| New York | $1,266 | $62 | 5.1% |
| North Carolina | $692 | -$512 | -42.5% |
| North Dakota | $986 | -$218 | -18.1% |
| Ohio | $828 | -$376 | -31.2% |
| Oklahoma | $1,234 | $30 | 2.5% |
| Oregon | $1,102 | -$102 | -8.5% |
| Pennsylvania | $1,146 | -$58 | -4.8% |
| Rhode Island | $1,604 | $400 | 33.2% |
| South Carolina | $1,092 | -$112 | -9.3% |
| South Dakota | $1,016 | -$188 | -15.6% |
| Tennessee | $1,054 | -$150 | -12.5% |
| Texas | $1,452 | $248 | 20.6% |
| Utah | $890 | -$314 | -26.1% |
| Vermont | $822 | -$382 | -31.7% |
| Virginia | $720 | -$484 | -40.2% |
| Washington | $928 | -$276 | -22.9% |
| West Virginia | $1,104 | -$100 | -8.3% |
| Wisconsin | $832 | -$372 | -30.9% |
| Wyoming | $1,072 | -$132 | -11.0% |
Using high physical damage deductibles could save up to $460 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $345 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,400 to $2,000 extra every year, depending on your age. Subaru Crosstrek insurance for high-risk drivers can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, so the rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Crosstrek | $320 | $512 | $332 | $1,300 |
| 2023 Subaru Crosstrek | $306 | $506 | $338 | $1,286 |
| 2022 Subaru Crosstrek | $296 | $494 | $354 | $1,280 |
| 2021 Subaru Crosstrek | $286 | $474 | $364 | $1,260 |
| 2020 Subaru Crosstrek | $270 | $458 | $376 | $1,240 |
| 2019 Subaru Crosstrek | $260 | $424 | $384 | $1,204 |
| 2018 Subaru Crosstrek | $250 | $400 | $388 | $1,174 |
| 2017 Subaru Crosstrek | $240 | $358 | $390 | $1,124 |
| 2016 Subaru Crosstrek | $224 | $330 | $390 | $1,080 |
| 2014 Subaru Crosstrek | $210 | $288 | $402 | $1,036 |
| 2013 Subaru Crosstrek | $194 | $268 | $402 | $1,000 |
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 Best Cheap Subaru Crosstrek Insurance
Finding cheaper rates on Subaru Crosstrek insurance not only requires having a good driving record, but also maintaining good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Make time to compare rates every year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The next list is a quick review of the coverage data touched on in this article.
- You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $450 each year
- Drivers age 20 and younger pay the highest rates, with premiums being up to $375 each month for full coverage
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,390 more each year to buy Subaru Crosstrek insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,500 |
| 20 | $2,756 |
| 30 | $1,252 |
| 40 | $1,204 |
| 50 | $1,100 |
| 60 | $1,080 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,504 |
| $250 | $1,366 |
| $500 | $1,204 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,204 |
| 50/100 | $1,281 |
| 100/300 | $1,377 |
| 250/500 | $1,626 |
| 100 CSL | $1,319 |
| 300 CSL | $1,530 |
| 500 CSL | $1,684 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,418 |
| 20 | $4,388 |
| 30 | $2,648 |
| 40 | $2,596 |
| 50 | $2,474 |
| 60 | $2,452 |
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 | $64 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $53 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $505 |
Discounts are estimated and may not be available from every company or in every state.
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