Subaru Crosstrek Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

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...

Licensed Insurance Agent

UPDATED: Jun 3, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Subaru Crosstrek insurance

U.S. average insurance rates for a Subaru Crosstrek are $1,204 a year including full coverage. Comprehensive insurance costs approximately $260 each year, collision costs $424, and liability is estimated at $384. Buying just liability costs approximately $432 a year, with insurance for high-risk drivers costing $2,596 or more. 16-year-old drivers pay the highest rates at $4,500 a year or more.

Average premium for full coverage: $1,204

Price estimates by individual coverage:

Comprehensive $260
Collision $424
Liability $384

Prices are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Crosstrek models.

Price Range from Low to High

For the normal driver, Subaru Crosstrek insurance prices go from as low as $432 for a discount liability-only rate to a high rate of $2,596 for high-risk insurance.

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

Geographic Price Range

Living in a larger city can have significant affects on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than congested cities.

The graphic below illustrates how geographic area affects auto insurance prices.

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

The ranges above highlight why all drivers should get quotes using their specific location and risk profile, instead of using rate averages.

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 breaks down estimated Subaru Crosstrek insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $699
  • Choosing higher $1,000 deductibles can save $154 every year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,204
  • Buying low deductibles for comp and collision coverage will cost an extra $300 every year
  • Unlucky drivers with multiple tickets or accidents could pay around $2,596 or more
  • The price for full coverage for a teen driver can cost $4,500 each year

View Chart as Image

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

Insurance prices for a Subaru Crosstrek are also quite variable based on your driving record, the model of your Crosstrek, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

The state you live in plays a big part in determining prices for Subaru Crosstrek insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,720 on average in Louisiana, New York, 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

Opting for high physical damage deductibles can save as much as $460 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $345 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer utilizes a different rate formula, and prices may be quite different from one company to the next.

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 Find Affordable Subaru Crosstrek Insurance

Getting lower rates on car insurance takes being safe and accident-free, having a good credit history, being claim-free, and qualifying for all possible discounts. Invest the time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below you'll find a brief review of the material that was presented in the illustrations above.

  • Policyholders who purchase more liability protection will pay around $420 per year to raise limits from a low limit to 250/500 limits
  • Youthful drivers are the costliest to insure, possibly costing $375 a month including comprehensive and collision insurance
  • Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,390 more per year than a low-risk driver
  • Increasing physical damage deductibles can save around $450 each year

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles