Subaru Crosstrek Insurance Rates

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UPDATED: Jun 3, 2024

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Subaru Crosstrek insurance

U.S. average auto insurance rates for a Subaru Crosstrek are $1,204 annually for full coverage. Comprehensive costs approximately $260, collision insurance costs $424, and liability costs $384. Buying just liability costs as little as $432 a year, and insurance for high-risk drivers costs around $2,596. Teens pay the highest rates at up to $4,500 a year.

Average premium for full coverage: $1,204

Price estimates by individual coverage:

Comprehensive $260
Collision $424
Liability $384

Includes $500 physical damage deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for all Crosstrek models.

Price Range from Low to High

Using a middle-aged driver as an example, Subaru Crosstrek insurance prices range from as cheap as $432 for just the minimum liability insurance to the much higher price of $2,596 for a driver required to buy high-risk insurance.

Liability Only $432
Full Coverage $1,204
High Risk $2,596

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural locations have fewer accident claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance prices.

Rural Areas $903
Small Cities $1,264
Large Cities $1,625

The ranges above show why everyone should compare rates using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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.

Additional Rate Analysis

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

  • The cheapest rate after discounts is $699
  • Drivers who choose higher $1,000 deductibles will pay $154 a year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,204
  • Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,504
  • Drivers with serious driving violations could pay around $2,596
  • The price with full coverage for a 16-year-old driver for full coverage can cost $4,500 a year

View Chart as Image

Subaru Crosstrek insurance cost comparison chart
Column chart showing Subaru Crosstrek insurance rates range from $699 to $4,500 for full coverage

Insurance prices for a Subaru Crosstrek are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 additional each year, depending on your age. Subaru Crosstrek insurance for high-risk drivers can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $460 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $345 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Subaru Crosstrek insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,720 on average in New York, Louisiana, and Michigan.

Subaru Crosstrek Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$118 -9.8%
Alaska $924 -$280 -23.3%
Arizona $998 -$206 -17.1%
Arkansas $1,204 -$0 0.0%
California $1,372 $168 14.0%
Colorado $1,148 -$56 -4.7%
Connecticut $1,236 $32 2.7%
Delaware $1,360 $156 13.0%
Florida $1,502 $298 24.8%
Georgia $1,112 -$92 -7.6%
Hawaii $864 -$340 -28.2%
Idaho $816 -$388 -32.2%
Illinois $896 -$308 -25.6%
Indiana $908 -$296 -24.6%
Iowa $812 -$392 -32.6%
Kansas $1,142 -$62 -5.1%
Kentucky $1,642 $438 36.4%
Louisiana $1,780 $576 47.8%
Maine $742 -$462 -38.4%
Maryland $992 -$212 -17.6%
Massachusetts $960 -$244 -20.3%
Michigan $2,090 $886 73.6%
Minnesota $1,010 -$194 -16.1%
Mississippi $1,442 $238 19.8%
Missouri $1,066 -$138 -11.5%
Montana $1,292 $88 7.3%
Nebraska $946 -$258 -21.4%
Nevada $1,444 $240 19.9%
New Hampshire $868 -$336 -27.9%
New Jersey $1,344 $140 11.6%
New Mexico $1,064 -$140 -11.6%
New York $1,266 $62 5.1%
North Carolina $692 -$512 -42.5%
North Dakota $986 -$218 -18.1%
Ohio $828 -$376 -31.2%
Oklahoma $1,234 $30 2.5%
Oregon $1,102 -$102 -8.5%
Pennsylvania $1,146 -$58 -4.8%
Rhode Island $1,604 $400 33.2%
South Carolina $1,092 -$112 -9.3%
South Dakota $1,016 -$188 -15.6%
Tennessee $1,054 -$150 -12.5%
Texas $1,452 $248 20.6%
Utah $890 -$314 -26.1%
Vermont $822 -$382 -31.7%
Virginia $720 -$484 -40.2%
Washington $928 -$276 -22.9%
West Virginia $1,104 -$100 -8.3%
Wisconsin $832 -$372 -30.9%
Wyoming $1,072 -$132 -11.0%

View Chart as Image

Subaru Crosstrek insurance rates by U.S. city
Subaru Crosstrek Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Subaru Crosstrek $320 $512 $332 $1,300
2023 Subaru Crosstrek $306 $506 $338 $1,286
2022 Subaru Crosstrek $296 $494 $354 $1,280
2021 Subaru Crosstrek $286 $474 $364 $1,260
2020 Subaru Crosstrek $270 $458 $376 $1,240
2019 Subaru Crosstrek $260 $424 $384 $1,204
2018 Subaru Crosstrek $250 $400 $388 $1,174
2017 Subaru Crosstrek $240 $358 $390 $1,124
2016 Subaru Crosstrek $224 $330 $390 $1,080
2014 Subaru Crosstrek $210 $288 $402 $1,036
2013 Subaru Crosstrek $194 $268 $402 $1,000

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

Getting lower rates on insurance for a Subaru Crosstrek not only requires being a safe and courteous driver, but also having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a recap of the data touched on in the above illustrations.

  • Insureds who purchase higher levels of liability will pay approximately $420 each year to go from a low limit to higher 250/500 limits
  • Drivers can save around $140 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save up to $450 each year
  • Teenage drivers are the costliest to insure, with premiums as much as $375 a month if they have full coverage

Rates by Driver Age

Subaru Crosstrek Insurance Rates by Driver Age
Driver Age Premium
16 $4,500
20 $2,756
30 $1,252
40 $1,204
50 $1,100
60 $1,080

Full coverage, $500 deductibles

Rates by Deductible

Subaru Crosstrek Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,504
$250 $1,366
$500 $1,204
$1,000 $1,050

Full coverage, driver age 40

Rates by Liability Limit

Subaru Crosstrek Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,204
50/100 $1,281
100/300 $1,377
250/500 $1,626
100 CSL $1,319
300 CSL $1,530
500 CSL $1,684

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Crosstrek Insurance Rates for High Risk Drivers
Age Premium
16 $6,418
20 $4,388
30 $2,648
40 $2,596
50 $2,474
60 $2,452

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.

SR-22 Surcharge $166

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $86
5-yr Claim Free $78
Paid in Full/EFT $53
Advance Quote $58
Online Quote $85
Total Discounts $505
Rate after discounts $699

Discounts are estimated and may not be available from every company or in every state.

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