Subaru Crosstrek Insurance Rates

The average insurance rates for a Subaru Crosstrek are $1,174 a year with full coverage. Comprehensive costs on average $250 each year, collision insurance costs $400, and liability costs around $388. Liability-only coverage costs as low as $434 a year, and high-risk coverage costs around $2,526. 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:

Full coverage includes $500 deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Crosstrek models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why all drivers should compare prices based on a specific location, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $683
• Using higher $1,000 deductibles will save around $148 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,174
• Selecting low deductibles for physical damage coverage bumps up the cost to $1,458
• High-risk insureds with serious driving violations could pay upwards of $2,526
• Policy cost that insures a 16-year-old driver may cost $4,406 or more

View Chart as Image

Insurance rates for a Subaru Crosstrek also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers can be from 43% to 133% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,400 a year. View Rates by Age

Your home state has a huge impact on Subaru Crosstrek insurance prices. A driver around age 40 might see rates as low as $840 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,580 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

How to Find More Affordable Subaru Crosstrek Insurance

Finding cheaper rates on insurance for a Subaru Crosstrek requires not taking risks behind the wheel, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare rates every year by quoting rates from direct companies, and also from several local insurance agents.

The following is a summary of the coverage data raised in the charts and tables above.

• You may be able to save as much as $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Teens pay higher rates, as much as $367 each month if comprehensive and collision insurance is included
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,350 more each year for Crosstrek insurance