Subaru Crosstrek Insurance Rates

U.S. average insurance rates for a Subaru Crosstrek are $1,174 a year including full coverage. Comprehensive insurance costs an estimated $250 a year, collision insurance costs $400, and liability coverage is $388. Liability-only coverage costs around $434 a year, and high-risk coverage costs $2,526 or more. Teen drivers pay the highest rates at up to $4,406 a year.

Average premium for full coverage: $1,174

Price estimates broken down by individual coverage:

Includes $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Crosstrek trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts insurance prices.

The ranges above highlight why it is important to compare rates quotes for a targeted area, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $683
• Raising to $1,000 deductibles will save approximately $1,026 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,174
• Choosing low $100 deductibles will cost an additional $284 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,526
• The price that insures a teenage driver can cost as much as $4,406

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying $1,400 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 133% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $4,400 a year. View Rates by Age

The state you live in also has a big influence on Subaru Crosstrek insurance rates. A middle-age driver might find prices as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,670 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $440 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Subaru Crosstrek Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Shop around every couple of years by getting quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a recap of the material that was touched on above.

• Consumers who want higher liability limits will pay about $430 per year to raise from a low limit to the 250/500 level
• Teens are the costliest to insure, possibly costing $367 a month if the policy includes full coverage
• Drivers that have major violations or accidents could be charged and average of $1,350 more annually for Crosstrek insurance
• Increasing physical damage deductibles can save approximately $425 each year