Subaru Crosstrek Insurance Rates

U.S. average auto insurance rates for a Subaru Crosstrek are $1,174 annually including full coverage. Comprehensive costs approximately $250 a year, collision insurance costs $400, and liability coverage costs $388. Liability-only coverage costs as little as $434 a year, and high-risk coverage costs around $2,526. Teenage drivers pay the highest rates at up to $4,406 a year.

Average premium for full coverage: $1,174

Price estimates by individual coverage:

Prices include $500 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Crosstrek trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why it is important to compare rates using their specific location and their own personal driving habits, rather than using average rates.

Use the form below to get customized rates for your location.

More Rate Details

The chart below breaks down average Subaru Crosstrek insurance rates for additional coverage and risk scenarios.

• The best discount rate is $683
• Drivers who choose higher $1,000 deductibles will pay $1,026 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,174
• Using low $100 deductibles for comprehensive and collision insurance will cost $1,458
• High-risk insureds who are prone to accidents and violations could pay around $2,526
• The price with full coverage for a teenage driver can cost $4,406 a year

View Chart as Image

Auto insurance prices for a Subaru Crosstrek are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,400 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $440 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Subaru Crosstrek insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,670 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy the Right Subaru Crosstrek Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, being claim-free, and possibly higher deductibles. Take the time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following is a quick rundown of the data covered in the above illustrations.

• Consumers who purchase higher liability limits will pay an extra $430 per year to go from a low limit to higher 250/500 limits
• You may be able to save around $140 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $425 each year
• Teens have the highest car insurance prices, possibly costing $367 a month if full coverage is included