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...

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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 insurance rates for a Subaru Crosstrek are $1,204 a year for full coverage insurance. Comprehensive costs an estimated $260 a year, collision insurance costs $424, and liability coverage 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 broken down by individual coverage:

Comprehensive $260
Collision $424
Liability $384

Full coverage includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Crosstrek trim levels.

Price Range from Low to High

For the average 40-year-old driver, Subaru Crosstrek insurance prices range from the low end price of $432 for minimum levels of liability insurance to a high of $2,596 for coverage for higher-risk drivers.

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

Geographic Price Range

Your location has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on insurance prices.

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

The ranges above illustrate why it is important to compare rates for a targeted area, rather than using 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 Details

The chart below illustrates average Subaru Crosstrek insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $699
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,050 each year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,204
  • Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,504
  • High-risk insureds with serious driving violations could pay up to $2,596
  • The price that insures a teenage driver can cost as much as $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 of your Crosstrek, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,400 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,500 a year. View Rates by Age

The state you live in makes a big difference in Subaru Crosstrek insurance rates. A 40-year-old driver could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,620 on average in Florida, 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

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

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 More Affordable Subaru Crosstrek Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and possibly raising deductibles. Compare rates at least once a year by requesting rates from direct insurance companies, and also from local insurance agencies.

The items below are a summary of the primary concepts that were touched on in this article.

  • It is possible to save approximately $140 per year just by quoting early and online
  • Drivers who have multiple accidents or major violations may have to pay on average $1,390 more annually to insure their Crosstrek
  • Increasing physical damage deductibles can save approximately $450 each year
  • Teen drivers are expensive to insure, as much as $375 a month if comprehensive and collision insurance is included

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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