Subaru Crosstrek Insurance Rates

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UPDATED: Jun 3, 2024

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Subaru Crosstrek insurance

U.S. average auto insurance rates for a Subaru Crosstrek are $1,204 annually with full coverage. Comprehensive costs an estimated $260, collision insurance costs $424, and liability coverage is estimated at $384. Liability-only coverage costs approximately $432 a year, and high-risk coverage costs around $2,596. 16-year-old drivers pay the highest rates at up to $4,500 a year.

Average premium for full coverage: $1,204

Price estimates broken down by individual coverage:

Comprehensive $260
Collision $424
Liability $384

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Crosstrek trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Subaru Crosstrek insurance prices range from as cheap as $432 for basic liability insurance to a much higher rate of $2,596 for high-risk insurance.

Liability Only $432
Full Coverage $1,204
High Risk $2,596

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations have fewer collision claims than congested cities. The price range example below illustrates how rural and urban location affects insurance prices.

Rural Areas $903
Small Cities $1,264
Large Cities $1,625

The ranges above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than using 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.

Rate Comparisons

The chart below details average Subaru Crosstrek insurance rates for other coverage scenarios.

  • The best full coverage rate is $699
  • Choosing higher $1,000 deductibles can save approximately $154 annually
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,204
  • Buying more expensive low deductibles for comp and collision coverage will cost $1,504
  • Drivers with multiple tickets or accidents could pay up to $2,596
  • The price with full coverage for a teenage driver with full coverage can cost as much as $4,500 each year

View Chart as Image

Subaru Crosstrek insurance cost comparison chart
Column chart showing Subaru Crosstrek insurance rates range from $699 to $4,500 for full coverage

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

An older driver with a good driving record and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,400 to $2,000 in extra premium each year, depending on your age. High-risk driver insurance ranges around 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $460 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $345 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Subaru Crosstrek insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Utah, Ohio, and New Hampshire, or at least $1,620 on average in New York, Michigan, and Florida.

Subaru Crosstrek Insurance Rates by State
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%

View Chart as Image

Subaru Crosstrek insurance rates by U.S. city
Subaru Crosstrek Insurance Rates by Model Year
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 Buy Cheaper Subaru Crosstrek Insurance

Getting lower rates on auto insurance takes having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every couple of years by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a condensed summary of the material that was raised in the charts and tables above.

  • Consumers who want additional liability coverage will pay around $420 every year to raise limits from a low limit to higher 250/500 limits
  • 16 to 18-year-old drivers are the costliest to insure, costing up to $375 a month if full coverage is included
  • Drivers with multiple at-fault accidents pay on average $1,390 more annually than a driver with a clean driving record
  • Increasing physical damage deductibles could save up to $450 each year

Rates by Driver Age

Subaru Crosstrek Insurance 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

Subaru Crosstrek Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,504
$250 $1,366
$500 $1,204
$1,000 $1,050

Full coverage, driver age 40

Rates by Liability Limit

Subaru Crosstrek Insurance Rates with Different Liability Limits
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

Subaru Crosstrek Insurance 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.

SR-22 Surcharge $166

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
Rate after discounts $699

Discounts are estimated and may not be available from every company or in every state.

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