Subaru Crosstrek Insurance Rates
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UPDATED: Jun 6, 2023
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The average insurance rates for a Subaru Crosstrek are $1,174 a year for full coverage insurance. Comprehensive insurance costs approximately $250, collision insurance costs $400, and liability is estimated at $388. Buying just liability costs approximately $434 a year, and insurance for high-risk drivers costs $2,526 or more. Teens cost the most to insure at up to $4,406 a year.
Average premium for full coverage: $1,174
Policy rates by type of insurance:
Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different Crosstrek trim levels.
Price Range Variability
Using a middle-aged driver as an example, Subaru Crosstrek insurance rates range from the low end price of $434 for your basic liability-only policy to a much higher rate of $2,526 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should get quotes using their specific location, instead of making a decision based 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 and risk scenarios.
- The cheapest rate after discounts is $683
- Choosing higher $1,000 deductibles can save $148 each year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,174
- Selecting more expensive low deductibles for comp and collision coverage will cost an additional $284 annually
- Higher-risk drivers with serious driving violations could pay around $2,526
- Policy cost that insures a 16-year-old driver with full coverage can cost $4,406 each year
Insurance rates for a Subaru Crosstrek also range considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance ranges from 43% to 133% more than the average policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,400 a year. View Rates by Age
Your home state plays a big part in determining prices for Subaru Crosstrek insurance prices. A good driver about age 40 could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,580 on average in Florida, New York, 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $440 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Subaru Crosstrek | $260 | $424 | $384 | $1,204 |
| 2017 Subaru Crosstrek | $250 | $400 | $388 | $1,174 |
| 2014 Subaru Crosstrek | $216 | $310 | $394 | $1,056 |
| 2013 Subaru Crosstrek | $210 | $288 | $402 | $1,036 |
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 Low Cost Subaru Crosstrek Insurance
Finding cheaper rates on insurance for a Subaru Crosstrek takes being safe and accident-free, having above-average credit, being claim-free, and possibly raising deductibles. Compare rates every time your policy renews by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.
Below you'll find a review of the information touched on in the above illustrations.
- It is possible to save around $140 per year just by shopping early and online
- Youthful drivers are expensive to insure, possibly costing $367 each month if full coverage is included
- Increasing comprehensive and collision deductibles can save approximately $425 each year
- Drivers considered higher risk who have several accidents or serious violations could be charged and average of $1,350 more per year than a low-risk driver
- Insureds who purchase more liability protection will pay approximately $430 annually to raise limits from a 30/60 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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