Subaru Crosstrek Insurance Rates

The average insurance rates for a Subaru Crosstrek are $1,174 a year with full coverage. Comprehensive costs approximately $250 a year, 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. 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:

These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and 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 a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance prices.

The examples above demonstrate why it is important to get quotes using their specific location and risk profile, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $683
• Choosing higher $1,000 deductibles can save $1,026 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,174
• Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,458
• Drivers with serious driving violations could pay around $2,526
• Policy cost for full coverage for a teenage driver can cost $4,406 each year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers 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 have to pay at least $1,580 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 133% more than the average policy. View High Risk Driver Rates

How to Find Cheap Subaru Crosstrek Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having a good credit history, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop every other policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief summary of the ideas that were touched on in the above illustrations.

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