Subaru Crosstrek Insurance Rates

The average insurance rates for a Subaru Crosstrek are $1,174 a year with full coverage. Comprehensive costs approximately $250, collision insurance costs $400, and liability coverage is estimated at $388. Liability-only coverage costs approximately $434 a year, and high-risk coverage costs around $2,526. 16-year-old drivers 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:

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different Crosstrek trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities. The price range example below illustrates how location impacts auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location, rather than using rate averages.

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

Additional Rate Details

The chart below details average Subaru Crosstrek insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $683
• Choosing higher $1,000 deductibles can save $148 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,174
• Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,458
• Drivers with multiple tickets or accidents could pay around $2,526
• Policy cost that insures a teenage driver with full coverage can cost $4,406 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,400 to $1,900 additional every year, depending on your age. High-risk driver insurance ranges around 43% to 133% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Subaru Crosstrek insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Utah, Ohio, and New Hampshire, or at least $1,580 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $440 a year, while increasing your policy's liability limits will push rates upward. 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 Low Cost Subaru Crosstrek Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having a good credit score, not filing small claims, and consideration of higher deductibles. Comparison shop every other policy renewal by requesting quotes from direct companies, and also from local insurance agencies.

The following is a review of the ideas that were touched on above.

• Teens are the costliest to insure, as much as $367 each month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations may have to pay on average $1,350 more per year for Crosstrek insurance
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• You may be able to save around $140 per year just by shopping early and online