Subaru Crosstrek Insurance Rates
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UPDATED: Jun 3, 2024
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The average auto insurance rates for a Subaru Crosstrek are $1,240 annually for full coverage insurance. Comprehensive insurance costs an estimated $270, collision costs $458, and liability is estimated at $376. Liability-only coverage costs approximately $426 a year, with high-risk coverage costing $2,676 or more. Teenage drivers cost the most to insure at $4,612 a year or more.
Average premium for full coverage: $1,240
Policy rates broken down by type of insurance:
Includes $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different Crosstrek trim levels.
Price Range Variability
For a 40-year-old driver, Subaru Crosstrek insurance rates go from as cheap as $426 for a discount liability-only rate to a much higher rate of $2,676 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities.
The price range example below illustrates how your location can change insurance prices.
The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of using 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.
Rates by State, City, and Model
The chart below illustrates estimated Subaru Crosstrek insurance rates for other coverage scenarios.
- The best discount rate is $715
- Choosing higher $1,000 deductibles can save approximately $166 each year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,240
- Using more expensive low deductibles for comp and collision coverage costs an additional $320 every year
- Unlucky drivers who are prone to accidents and violations could pay up to $2,676 or more
- Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,612 each year
Insurance rates for a Subaru Crosstrek also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,500 to $2,000 additional every year, depending on your age. High-risk driver insurance ranges as much as 43% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $490 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $339 more each year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Subaru Crosstrek insurance prices. A good driver about age 40 could pay as low as $810 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,670 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,120 | -$120 | -9.7% |
| Alaska | $950 | -$290 | -23.4% |
| Arizona | $1,028 | -$212 | -17.1% |
| Arkansas | $1,240 | -$0 | 0.0% |
| California | $1,412 | $172 | 13.9% |
| Colorado | $1,182 | -$58 | -4.7% |
| Connecticut | $1,272 | $32 | 2.6% |
| Delaware | $1,402 | $162 | 13.1% |
| Florida | $1,548 | $308 | 24.8% |
| Georgia | $1,146 | -$94 | -7.6% |
| Hawaii | $890 | -$350 | -28.2% |
| Idaho | $840 | -$400 | -32.3% |
| Illinois | $922 | -$318 | -25.6% |
| Indiana | $934 | -$306 | -24.7% |
| Iowa | $834 | -$406 | -32.7% |
| Kansas | $1,176 | -$64 | -5.2% |
| Kentucky | $1,688 | $448 | 36.1% |
| Louisiana | $1,834 | $594 | 47.9% |
| Maine | $764 | -$476 | -38.4% |
| Maryland | $1,024 | -$216 | -17.4% |
| Massachusetts | $988 | -$252 | -20.3% |
| Michigan | $2,152 | $912 | 73.5% |
| Minnesota | $1,036 | -$204 | -16.5% |
| Mississippi | $1,484 | $244 | 19.7% |
| Missouri | $1,100 | -$140 | -11.3% |
| Montana | $1,330 | $90 | 7.3% |
| Nebraska | $974 | -$266 | -21.5% |
| Nevada | $1,484 | $244 | 19.7% |
| New Hampshire | $894 | -$346 | -27.9% |
| New Jersey | $1,386 | $146 | 11.8% |
| New Mexico | $1,098 | -$142 | -11.5% |
| New York | $1,304 | $64 | 5.2% |
| North Carolina | $714 | -$526 | -42.4% |
| North Dakota | $1,016 | -$224 | -18.1% |
| Ohio | $854 | -$386 | -31.1% |
| Oklahoma | $1,272 | $32 | 2.6% |
| Oregon | $1,136 | -$104 | -8.4% |
| Pennsylvania | $1,180 | -$60 | -4.8% |
| Rhode Island | $1,652 | $412 | 33.2% |
| South Carolina | $1,122 | -$118 | -9.5% |
| South Dakota | $1,046 | -$194 | -15.6% |
| Tennessee | $1,084 | -$156 | -12.6% |
| Texas | $1,494 | $254 | 20.5% |
| Utah | $916 | -$324 | -26.1% |
| Vermont | $844 | -$396 | -31.9% |
| Virginia | $742 | -$498 | -40.2% |
| Washington | $956 | -$284 | -22.9% |
| West Virginia | $1,136 | -$104 | -8.4% |
| Wisconsin | $856 | -$384 | -31.0% |
| Wyoming | $1,102 | -$138 | -11.1% |
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Crosstrek | $336 | $532 | $316 | $1,320 |
| 2023 Subaru Crosstrek | $320 | $512 | $332 | $1,300 |
| 2022 Subaru Crosstrek | $306 | $506 | $338 | $1,286 |
| 2021 Subaru Crosstrek | $296 | $494 | $354 | $1,280 |
| 2020 Subaru Crosstrek | $286 | $474 | $364 | $1,260 |
| 2019 Subaru Crosstrek | $270 | $458 | $376 | $1,240 |
| 2018 Subaru Crosstrek | $260 | $424 | $384 | $1,204 |
| 2017 Subaru Crosstrek | $250 | $400 | $388 | $1,174 |
| 2016 Subaru Crosstrek | $240 | $358 | $390 | $1,124 |
| 2014 Subaru Crosstrek | $216 | $310 | $394 | $1,056 |
| 2013 Subaru Crosstrek | $210 | $288 | $402 | $1,036 |
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 Buy the Cheapest Subaru Crosstrek Insurance
Finding cheaper rates on car insurance takes not taking risks behind the wheel, having good credit, being claim-free, and maximizing policy discounts. Invest the time to shop around at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a recap of the data illustrated above.
- Policyholders who want higher liability limits will pay an extra $410 annually to raise limits from a 30/60 limit to higher 250/500 limits
- It is possible to save approximately $150 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $475 each year
- Teens are expensive to insure, possibly costing $384 each month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,612 |
| 20 | $2,844 |
| 30 | $1,294 |
| 40 | $1,240 |
| 50 | $1,132 |
| 60 | $1,112 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,560 |
| $250 | $1,412 |
| $500 | $1,240 |
| $1,000 | $1,074 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,240 |
| 50/100 | $1,315 |
| 100/300 | $1,409 |
| 250/500 | $1,654 |
| 100 CSL | $1,353 |
| 300 CSL | $1,560 |
| 500 CSL | $1,710 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,578 |
| 20 | $4,528 |
| 30 | $2,734 |
| 40 | $2,676 |
| 50 | $2,552 |
| 60 | $2,526 |
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 | $66 |
| Multi-vehicle | $65 |
| Homeowner | $19 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $56 |
| Advance Quote | $61 |
| Online Quote | $88 |
| Total Discounts | $525 |
Discounts are estimated and may not be available from every company or in every state.
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