Subaru Crosstrek Insurance Rates
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Michelle Robbins
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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 insurance rates for a Subaru Crosstrek are $1,174 a year for full coverage. Comprehensive costs an estimated $250 each year, collision costs $400, and liability insurance is $388. A policy with only liability insurance costs around $434 a year, with a high-risk policy costing around $2,526. 16-year-old drivers pay the most at $4,406 a year or more.
Average premium for full coverage: $1,174
Premium estimates broken down by type of coverage:
Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Crosstrek models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Subaru Crosstrek go from the low end price of $434 for liability-only coverage to a high rate of $2,526 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than congested cities.
The graphic below illustrates how location helps determine insurance prices.
These rate differences show why all drivers should compare rates quotes for a targeted area, rather than relying on rate 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.
Additional Charts and Tables
The chart below shows estimated Subaru Crosstrek insurance rates for other coverage scenarios.
- The best full coverage rate is $683
- Raising to $1,000 deductibles will save approximately $148 a year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,174
- Buying low deductibles bumps up the cost to $1,458
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,526 or more
- An auto insurance policy that insures a teen driver can cost as much as $4,406
Car insurance prices for a Subaru Crosstrek also have a wide range based on the trim level and model year, how you drive, and liability limits and deductibles.
If you have a few violations or you caused an accident, you could be paying $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $4,400 a year. View Rates by Age
Where you choose to live also has a big influence on Subaru Crosstrek insurance rates. A middle-age driver might find prices as low as $770 a year in states like Iowa, Maine, and Idaho, or at least $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% |
Opting for high physical damage deductibles can reduce prices by up to $440 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different.
| 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 the Right Subaru Crosstrek Insurance
Finding better rates on Subaru Crosstrek insurance consists of being a good driver, having a positive credit history, not filing small claims, and not having any coverage lapses. Comparison shop every other policy renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.
The following list is a quick rundown of the ideas that were covered in the charts and tables above.
- Drivers age 16 to 20 have the highest car insurance prices, as much as $367 per month if full coverage is purchased
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,350 more annually than a safer driver
- Increasing policy deductibles can save approximately $425 each year
- Drivers can save approximately $140 per year simply by quoting online in advance
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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