Subaru Crosstrek Insurance Rates
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UPDATED: Jun 3, 2024
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Estimated auto insurance rates for a Subaru Crosstrek are $1,240 annually with full coverage. Comprehensive insurance costs approximately $270, collision costs $458, and liability insurance is $376. A policy with only liability insurance costs around $426 a year, with a high-risk policy costing $2,676 or more. Teens pay the most at $4,612 a year or more.
Average premium for full coverage: $1,240
Premium estimates by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for different Crosstrek trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Subaru Crosstrek go from as cheap as $426 for just the minimum liability insurance to a much higher rate of $2,676 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are statistically proven to have fewer collision claims than cities with more traffic congestion.
The price range example below illustrates how location helps determine auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than relying 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 details estimated Subaru Crosstrek insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $715
- Raising to $1,000 deductibles will save $166 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,240
- Selecting more expensive low deductibles costs an additional $320 a year
- Higher-risk drivers with serious driving violations could pay around $2,676 or more
- An auto insurance policy with full coverage for a teen driver with full coverage can cost $4,612
Car insurance prices for a Subaru Crosstrek also have a wide range based on the model of your Crosstrek, your driving record, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $4,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,000 extra annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $490 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $339 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Subaru Crosstrek insurance rates. A middle-age driver might find prices as low as $890 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,670 on average in New York, Michigan, and Florida.
| 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% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices from as many companies as possible. Every auto insurance company calculates prices differently, so rate quotes will be substantially different 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 Cheaper Subaru Crosstrek Insurance
Finding better rates on Subaru Crosstrek insurance consists of avoiding accidents and violations, having a good credit score, being claim-free, and avoiding coverage lapses. Invest time comparing rates every other policy renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.
The list below is a condensed summary of the ideas that were covered in the charts and tables above.
- Teenagers pay the highest auto insurance prices, possibly costing $384 per month if comprehensive and collision insurance is included
- High-risk drivers with multiple at-fault accidents may pay on average $1,440 more per year for car insurance
- Increasing policy deductibles could save up to $475 each year
- You may be able to save around $150 per year simply by shopping early and online
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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