Subaru Crosstrek Insurance Rates

The average insurance prices for a Subaru Crosstrek are $1,204 every 12 months for full coverage insurance. Comprehensive costs around $260 each year, collision insurance costs $424, and liability costs around $384. Liability-only coverage costs as low as $432 a year, and high-risk coverage costs around $2,596. Teen drivers cost the most to insure at up to $4,500 a year.

Average premium for full coverage: $1,204

Policy rates for type of insurance:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Crosstrek models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance rates.

The examples above illustrate why all drivers should compare prices for a specific zip code and their own driving history, instead of using price averages.

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

Rates by State, City, and Model

The chart below illustrates average Subaru Crosstrek insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $699
• Using higher $1,000 deductibles will save about $154 each year
• The average price for a good driver age 40 using $500 deductibles is $1,204
• Choosing low deductibles for physical damage coverage increases the price to $1,504
• Drivers with multiple violations and an at-fault accident could pay at least $2,596
• Policy cost to insure a teen driver can be $4,500 or more

View Chart as Image

Insurance rates for a Subaru Crosstrek also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $460 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $345 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,400 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 130% more than average. View High Risk Driver Rates

Your home state has a huge impact on Subaru Crosstrek insurance prices. A driver around age 40 might see rates as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,620 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for Cheap Subaru Crosstrek Insurance

Finding cheaper rates on car insurance requires being safe and accident-free, having above-average credit, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates every year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

Below you'll find a brief summary of the coverage data covered in the charts and tables above.

• It is possible to save up to $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Youthful drivers are charged the highest rates, possibly costing $375 each month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,390 more every year than a low-risk driver