Subaru Crosstrek Insurance Rates

U.S. average insurance rates for a Subaru Crosstrek are $1,204 a year for full coverage. Comprehensive costs around $260 a year, collision insurance costs $424, and liability insurance costs $384. Liability-only insurance costs as little as $432 a year, and high-risk driver insurance costs around $2,596. Teenage drivers pay the highest rates at up to $4,500 a year.

Average premium for full coverage: $1,204

Price estimates for individual coverage:

Rates are based on $500 policy 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 auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance rates.

The ranges above show why it is important to compare rates for a specific zip code and risk profile, rather than relying on average rates.

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

More Rate Information

The chart below shows average Subaru Crosstrek insurance rates for additional coverage choices and driver risks.

• The best discount rate is $699
• Drivers who choose higher $1,000 deductibles will pay about $1,050 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,204
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,504
• High risk drivers who are prone to accidents and violations could pay at least $2,596
• The price for full coverage for a teen driver can be $4,500 a year

View Chart as Image

Car insurance prices for a Subaru Crosstrek are also quite variable based on your driving record, the trim level of your Crosstrek, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $4,500 a year. View Rates by Age

The state you live in makes a big difference in Subaru Crosstrek insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,720 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $460 each year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Subaru Crosstrek Insurance

Getting lower rates on Subaru Crosstrek insurance not only requires being safe and accident-free, but also having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop every year by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

Below you'll find a quick review of the coverage data touched on in the above illustrations.

• Drivers can save up to $140 per year just by quoting early and online
• Increasing physical damage deductibles can save around $450 each year
• Youthful drivers are the costliest to insure, with premiums as much as $375 a month if full coverage is included
• High-risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,390 more every year than a low-risk driver