Subaru Crosstrek Insurance Rates

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

Average premium for full coverage: $1,174

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Crosstrek trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have fewer accident claims than cities with more traffic congestion. The diagram below illustrates how location impacts car insurance rates.

The ranges above show why it is important to compare rates based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

More Rate Information

The chart below shows average Subaru Crosstrek insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $683
• Drivers who choose higher $1,000 deductibles will pay around $1,026 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,174
• Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $284 a year
• High risk drivers with serious driving violations could pay upwards of $2,526
• The price with full coverage for a teen driver may cost $4,406 a year

View Chart as Image

Car insurance prices for a Subaru Crosstrek are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $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 be charged upwards of $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $440 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 extra every 12 months. 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 $770 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,670 on average in Michigan, Louisiana, and New York.

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How to Buy the Best Subaru Crosstrek Insurance

Getting lower rates on Subaru Crosstrek insurance not only requires avoiding accidents and violations, but also having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Spend time shopping around every year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The list below is a brief recap of the coverage data touched on above.

• Drivers can save as much as $140 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $425 each year
• Teenagers are expensive to insure, with premiums as much as $367 a month if comprehensive and collision insurance is included
• High-risk drivers who tend to receive serious violations may be required to pay an average of $1,350 more each year for car insurance