Subaru Crosstrek Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 3, 2024
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Average insurance rates for a Subaru Crosstrek are $1,174 a year for full coverage insurance. Comprehensive insurance costs approximately $250, collision costs $400, and liability costs $388. Buying just liability costs as little as $434 a year, with insurance for high-risk drivers costing $2,526 or more. Teenage drivers receive the highest rates at $4,406 a year or more.
Average premium for full coverage: $1,174
Rate estimates by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for all Crosstrek models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low as $434 for just liability insurance to the much higher price of $2,526 for a policy for a high-risk driver.
Price Range by Location
Your location can make a big difference on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than densely populated cities.
The example below illustrates the difference location can make on auto insurance prices.
These examples illustrate why everyone should compare rates using their specific location and risk profile, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below illustrates estimated Subaru Crosstrek insurance rates for additional coverage and risk scenarios.
- The best discount rate is $683
- Drivers who choose higher $1,000 deductibles will pay $148 each year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,174
- Using pricier low deductibles for comprehensive and collision insurance will cost an extra $284 annually
- Drivers who are prone to accidents and violations could pay around $2,526 or more
- The cost for full coverage for a 16-year-old driver for full coverage can cost $4,406 a year
Auto insurance rates for a Subaru Crosstrek can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $4,400 a year. View Rates by Age
Where you live makes a big difference in Subaru Crosstrek insurance prices. A 40-year-old driver could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,580 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,060 | -$114 | -9.7% |
| Alaska | $898 | -$276 | -23.5% |
| Arizona | $974 | -$200 | -17.0% |
| Arkansas | $1,174 | -$0 | 0.0% |
| California | $1,336 | $162 | 13.8% |
| Colorado | $1,118 | -$56 | -4.8% |
| Connecticut | $1,202 | $28 | 2.4% |
| Delaware | $1,324 | $150 | 12.8% |
| Florida | $1,464 | $290 | 24.7% |
| Georgia | $1,084 | -$90 | -7.7% |
| Hawaii | $844 | -$330 | -28.1% |
| Idaho | $794 | -$380 | -32.4% |
| Illinois | $872 | -$302 | -25.7% |
| Indiana | $884 | -$290 | -24.7% |
| Iowa | $790 | -$384 | -32.7% |
| Kansas | $1,112 | -$62 | -5.3% |
| Kentucky | $1,598 | $424 | 36.1% |
| Louisiana | $1,736 | $562 | 47.9% |
| Maine | $722 | -$452 | -38.5% |
| Maryland | $968 | -$206 | -17.5% |
| Massachusetts | $936 | -$238 | -20.3% |
| Michigan | $2,034 | $860 | 73.3% |
| Minnesota | $980 | -$194 | -16.5% |
| Mississippi | $1,402 | $228 | 19.4% |
| Missouri | $1,040 | -$134 | -11.4% |
| Montana | $1,258 | $84 | 7.2% |
| Nebraska | $922 | -$252 | -21.5% |
| Nevada | $1,406 | $232 | 19.8% |
| New Hampshire | $846 | -$328 | -27.9% |
| New Jersey | $1,308 | $134 | 11.4% |
| New Mexico | $1,034 | -$140 | -11.9% |
| New York | $1,232 | $58 | 4.9% |
| North Carolina | $674 | -$500 | -42.6% |
| North Dakota | $960 | -$214 | -18.2% |
| Ohio | $808 | -$366 | -31.2% |
| Oklahoma | $1,202 | $28 | 2.4% |
| Oregon | $1,072 | -$102 | -8.7% |
| Pennsylvania | $1,118 | -$56 | -4.8% |
| Rhode Island | $1,562 | $388 | 33.0% |
| South Carolina | $1,062 | -$112 | -9.5% |
| South Dakota | $988 | -$186 | -15.8% |
| Tennessee | $1,024 | -$150 | -12.8% |
| Texas | $1,412 | $238 | 20.3% |
| Utah | $866 | -$308 | -26.2% |
| Vermont | $800 | -$374 | -31.9% |
| Virginia | $702 | -$472 | -40.2% |
| Washington | $902 | -$272 | -23.2% |
| West Virginia | $1,074 | -$100 | -8.5% |
| Wisconsin | $808 | -$366 | -31.2% |
| Wyoming | $1,042 | -$132 | -11.2% |
Using high physical damage deductibles could save up to $440 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,400 to $1,900 in extra premium per year, depending on your age. Subaru Crosstrek insurance for high-risk drivers can cost from 43% to 133% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates from multiple companies. Every company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Crosstrek | $306 | $506 | $338 | $1,286 |
| 2023 Subaru Crosstrek | $296 | $494 | $354 | $1,280 |
| 2022 Subaru Crosstrek | $286 | $474 | $364 | $1,260 |
| 2021 Subaru Crosstrek | $270 | $458 | $376 | $1,240 |
| 2020 Subaru Crosstrek | $260 | $424 | $384 | $1,204 |
| 2019 Subaru Crosstrek | $250 | $400 | $388 | $1,174 |
| 2018 Subaru Crosstrek | $240 | $358 | $390 | $1,124 |
| 2017 Subaru Crosstrek | $224 | $330 | $390 | $1,080 |
| 2016 Subaru Crosstrek | $216 | $310 | $394 | $1,056 |
| 2014 Subaru Crosstrek | $194 | $268 | $402 | $1,000 |
| 2013 Subaru Crosstrek | $190 | $244 | $406 | $976 |
Rates are averaged for all Subaru Crosstrek models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Affordable Subaru Crosstrek Insurance
Saving money on insurance for a Subaru Crosstrek not only requires having a decent driving record, but also having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Make time to compare rates every year by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The following items are a brief review of the coverage data touched on in this article.
- It is possible to save around $140 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save around $425 each year
- 16 to 18-year-old drivers have the highest car insurance rates, costing up to $367 per month if they have full coverage
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,350 more per year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,406 |
| 20 | $2,682 |
| 30 | $1,216 |
| 40 | $1,174 |
| 50 | $1,072 |
| 60 | $1,052 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,458 |
| $250 | $1,326 |
| $500 | $1,174 |
| $1,000 | $1,026 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,174 |
| 50/100 | $1,252 |
| 100/300 | $1,349 |
| 250/500 | $1,601 |
| 100 CSL | $1,290 |
| 300 CSL | $1,504 |
| 500 CSL | $1,659 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,274 |
| 20 | $4,270 |
| 30 | $2,574 |
| 40 | $2,526 |
| 50 | $2,408 |
| 60 | $2,386 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $62 |
| Multi-vehicle | $62 |
| Homeowner | $18 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $51 |
| Advance Quote | $56 |
| Online Quote | $83 |
| Total Discounts | $491 |
Discounts are estimated and may not be available from every company or in every state.
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