Subaru Crosstrek Insurance Rates
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Michelle Robbins
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UPDATED: Jun 3, 2024
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The average insurance rates for a Subaru Crosstrek are $1,174 a year including full coverage. Comprehensive costs around $250 each year, collision costs $400, and liability coverage is estimated at $388. Liability-only insurance costs approximately $434 a year, with high-risk driver insurance costing around $2,526. 16-year-old drivers cost the most to insure at $4,406 a year or more.
Average premium for full coverage: $1,174
Policy rates for type of insurance:
These estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Crosstrek models.
Price Range Variability
For the average driver, Subaru Crosstrek insurance rates go from as low as $434 for minimum levels of liability insurance to a high rate of $2,526 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than congested cities.
The graphic below illustrates how location impacts auto insurance rates.
The examples above highlight why all drivers should get quotes for a specific zip code and risk profile, 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.
Additional Rate Details
The chart below breaks down estimated Subaru Crosstrek insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $683
- Choosing higher $1,000 deductibles can save about $148 every year
- The average rate for a good driver age 40 using $500 deductibles is $1,174
- Buying low deductibles for comp and collision coverage will increase the cost to $1,458
- Drivers with multiple tickets or accidents could pay at least $2,526 or more
- Policy cost for full coverage for a teenage driver can be $4,406 each year
Auto insurance rates for a Subaru Crosstrek also range considerably based on your risk profile, the model of your Crosstrek, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $4,400 a year. View Rates by Age
Your home state plays a big part in determining prices for Subaru Crosstrek insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,670 on average in Michigan, New York, and Louisiana.
| 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 save as much as $440 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,400 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 133% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted rates will be varied from one company to the next.
| 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
Finding cheaper rates on auto insurance takes being safe and accident-free, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below you'll find a brief summary of the primary concepts that were touched on above.
- You may be able to save up to $140 per year simply by quoting online in advance
- Drivers that tend to have accidents or serious violations pay on average $1,350 more every year than a low-risk driver
- Increasing comprehensive and collision deductibles can save around $425 each year
- Youthful drivers are expensive to insure, with premiums being up to $367 each month if they have full coverage
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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