Subaru Crosstrek Insurance Rates

The average insurance rates for a Subaru Crosstrek are $1,174 a year for full coverage. Comprehensive insurance costs around $250, collision insurance costs $400, and liability costs around $388. A liability-only policy costs as low as $434 a year, and high-risk insurance costs $2,526 or more. Teens cost the most to insure at up to $4,406 a year.

Average premium for full coverage: $1,174

Policy rates for type of insurance:

Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Crosstrek trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates how your location can change auto insurance rates.

The examples above show why anyone shopping for car insurance should compare prices for a specific zip code, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $683
• Using higher $1,000 deductibles will save about $148 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,174
• Selecting more expensive low deductibles for physical damage coverage will cost an additional $284 every year
• Drivers with serious driving violations could pay at least $2,526
• Policy cost that insures a teen driver with full coverage can be $4,406 or more

View Chart as Image

Car insurance rates for a Subaru Crosstrek also range considerably based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can be as much as 43% to 133% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little 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 will be charged as much as $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 $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.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Subaru Crosstrek Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare rates at least every other year by requesting quotes from direct carriers, and also from several local insurance agents.

Below is a brief recap of the car insurance concepts illustrated above.

• Higher risk drivers who tend to receive serious violations pay on average $1,350 more every year for auto insurance
• Drivers can save up to $140 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Policyholders who may need higher levels of liability will pay approximately $430 each year to increase from a 30/60 limit to the 250/500 level