Subaru Crosstrek Insurance Rates

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Compare 2016 Subaru Crosstrek Car Insurance Cost in 2025

Finding better insurance prices for your Subaru Crosstrek could be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to buy insurance and we'll show you the absolute fastest way to get price quotes for a new or used Subaru and find the lowest possible price. It's important to take a look at other company's rates before your policy renews bec...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

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 with full coverage. Comprehensive costs on average $260 a year, collision costs $424, and liability insurance costs $384. Liability-only coverage costs as little as $432 a year, with high-risk coverage costing around $2,596. Teen 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

Rate estimates include $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Crosstrek trim levels.

Price Range from Low to High

For an average driver, Subaru Crosstrek insurance prices go from as cheap as $432 for a discount liability-only rate to a high of $2,596 for a high-risk insurance policy.

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

Geographic Price Range

Your location has a significant impact on auto insurance rates. Rural areas have fewer collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on car insurance rates.

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

The ranges above demonstrate why it is important to compare rates based on a specific location and their own personal driving habits, rather than relying on price 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 details estimated Subaru Crosstrek insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $699
  • Drivers who choose higher $1,000 deductibles will pay around $1,050 annually
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,204
  • Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,504
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,596 or more
  • The price with full coverage for a teen driver may cost $4,500 a year

View Chart as Image

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

Auto insurance prices for a Subaru Crosstrek are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $460 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $345 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Subaru Crosstrek insurance rates. A 40-year-old driver could pay as low as $870 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,620 on average in Florida, Michigan, and New York.

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

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, and quoted prices may be quite different between companies.

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 Best Subaru Crosstrek Insurance

Getting lower rates on Subaru Crosstrek insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates at least every other year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The next list is a brief recap of the car insurance concepts covered in the above illustrations.

  • High-risk drivers who tend to receive serious violations pay an average of $1,390 more each year to buy Subaru Crosstrek insurance
  • You may be able to save as much as $140 per year simply by quoting early and online
  • Increasing physical damage deductibles could save up to $450 each year
  • Drivers who require increased levels of liability coverage will pay about $420 every year to go from a low limit to higher 250/500 limits

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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