Subaru Crosstrek Insurance Rates

Estimated insurance rates for a Subaru Crosstrek are $1,174 a year for full coverage. Comprehensive insurance costs around $250 each year, collision insurance costs $400, and liability coverage is $388. Liability-only coverage costs around $434 a year, and high-risk coverage costs $2,526 or more. Teen drivers pay the most at up to $4,406 a year.

Average premium for full coverage: $1,174

Premium estimates for type of coverage:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and Crosstrek models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how location impacts auto insurance rates.

These rate differences show why all drivers should compare rates quotes for a specific zip code and risk profile, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $683
• Raising to $1,000 deductibles will save about $148 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,174
• Choosing low deductibles will cost an extra $284 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,526
• An auto insurance policy for full coverage for a teenage driver can be $4,406

View Chart as Image

Insurance prices for a Subaru Crosstrek also have a wide range based on your driving characteristics, the trim level of your Crosstrek, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay as much as $4,400 a year. View Rates by Age

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 $770 a year in states like Idaho, Maine, and Iowa, or as much as $1,670 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce prices by up to $440 a year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 133% more than average. View High Risk Driver Rates

How to Find Cheaper Subaru Crosstrek Insurance

Finding better rates on auto insurance consists of having a decent driving record, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Spend time shopping around every couple of years by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following items are a condensed summary of the material that was touched on above.

• Consumers who may need additional liability coverage will pay about $430 each year to raise from 30/60 bodily injury limits to 250/500 limits
• 16 to 18-year-old drivers pay higher prices, as much as $367 per month for full coverage
• Drivers with multiple at-fault accidents may be required to pay an average of $1,350 more every year than a driver with a clean driving record
• Increasing policy deductibles can save around $425 each year