Subaru Crosstrek Insurance Rates

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UPDATED: Jun 3, 2024

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Subaru Crosstrek insurance

Average insurance rates for a Subaru Crosstrek are $1,174 a year for full coverage insurance. Comprehensive costs around $250 a year, collision insurance costs $400, and liability insurance is $388. A policy with just liability insurance costs around $434 a year, and coverage for high-risk drivers costs around $2,526. Teens receive the highest rates at up to $4,406 a year.

Average premium for full coverage: $1,174

Rate estimates for individual coverage type:

Comprehensive $250
Collision $400
Liability $388

These estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and Crosstrek trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from the low end price of $434 for your basic liability-only policy to a high of $2,526 for high-risk insurance.

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

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.

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

These examples illustrate why it is important to compare rates quotes for a specific zip code, 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.

More Rate Information

The chart below illustrates average Subaru Crosstrek insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $683
  • Raising to $1,000 deductibles will save about $1,026 each year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,174
  • Selecting low $100 deductibles bumps up the cost to $1,458
  • Higher-risk drivers with serious driving violations could pay at least $2,526
  • The cost that insures a teen driver can be $4,406

View Chart as Image

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

Insurance rates for a Subaru Crosstrek can also vary considerably based on the trim level of your Crosstrek, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,400 to $1,900 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $4,400 a year. View Rates by Age

Where you live also has a big influence on Subaru Crosstrek insurance rates. A middle-age driver might find rates 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.

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $440 each year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit

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 Cheap Subaru Crosstrek Insurance

Saving money on Subaru Crosstrek insurance consists of being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare rates every couple of years by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a brief summary of the material that was covered in the charts and tables above.

  • Drivers who may need more liability protection will pay approximately $430 annually to raise from a minimum limit to the 250/500 level
  • Youthful drivers are charged the highest rates, costing up to $367 per month if comprehensive and collision insurance is included
  • High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,350 more every year than a low-risk driver
  • Increasing deductibles can save approximately $425 each year

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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