Subaru Crosstrek Insurance Rates

Average insurance rates for a Subaru Crosstrek are $1,204 a year with full coverage. Comprehensive insurance costs on average $260, collision insurance costs $424, and liability costs around $384. A policy with just liability insurance costs as low as $432 a year, and coverage for high-risk drivers costs $2,596 or more. Teens receive the highest rates at up to $4,500 a year.

Average premium for full coverage: $1,204

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change car insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below details average Subaru Crosstrek insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $699
• Using higher $1,000 deductibles will save around $154 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,204
• Selecting more expensive low deductibles for physical damage coverage will cost an extra $300 every year
• Drivers with serious driving violations could pay upwards of $2,596
• The cost for full coverage for a teen driver with full coverage may cost $4,500 or more

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Insurance rates for a Subaru Crosstrek can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $4,500 a year. View Rates by Age

Where you live has a huge impact on Subaru Crosstrek insurance prices. A driver around age 40 might see rates as low as $870 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,620 on average in Florida, Michigan, and New York.

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Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $460 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $345 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance can be as much as 44% to 130% more than the average policy. View High Risk Driver Rates

How to Find the Right Subaru Crosstrek Insurance

Saving money on car insurance requires being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around at least once a year by requesting rates from direct companies like GEICO and Progressive, and also from local insurance agents.

Below is a quick rundown of the primary concepts that were illustrated above.

• You may be able to save as much as $140 per year just by shopping early and online
• Higher risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,390 more each year for auto insurance
• Increasing deductibles can save around $450 each year
• Teenage drivers pay higher rates, with premiums as much as $375 per month including comprehensive and collision insurance