Subaru Crosstrek Insurance Rates

U.S. average auto insurance rates for a Subaru Crosstrek are $1,174 annually with full coverage. Comprehensive costs an estimated $250 a year, collision insurance costs $400, and liability coverage costs around $388. Liability-only coverage costs as low as $434 a year, and high-risk coverage costs around $2,526. Teenage drivers pay the highest rates at up to $4,406 a year.

Average premium for full coverage: $1,174

Price estimates broken down by individual coverage:

Includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Crosstrek trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. More rural locations have fewer collision claims than densely populated cities. The diagram below illustrates how location helps determine insurance prices.

The ranges above demonstrate why it is important to compare prices for a targeted area and their own personal driving habits, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $683
• Using higher $1,000 deductibles will save approximately $1,026 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,174
• Using low $100 deductibles for physical damage coverage will cost $1,458
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,526
• The price with full coverage for a teenage driver can cost as much as $4,406 or more

View Chart as Image

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

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,400 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy can be around 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $440 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Subaru Crosstrek insurance rates. A driver around age 40 might see prices as low as $840 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,580 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy the Cheapest Subaru Crosstrek Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates every other policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a recap of the ideas that were covered in the charts and tables above.

• Teenage drivers are the costliest to insure, costing up to $367 a month if full coverage is included
• Drivers that have major violations or accidents pay on average $1,350 more annually for auto insurance
• Increasing physical damage deductibles could save up to $425 each year
• You may be able to save approximately $140 per year just by quoting early and online