Subaru Crosstrek Insurance Rates

The average insurance prices for a Subaru Crosstrek are $1,174 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $250 each year, collision insurance costs $400, and liability coverage is estimated at $388. Liability-only coverage costs approximately $434 a year, and high-risk coverage costs $2,526 or more. Teenage drivers cost the most to insure at up to $4,406 a year.

Average premium for full coverage: $1,174

Policy rates broken down by type of insurance:

Prices are based on $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Crosstrek models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how location impacts insurance prices.

The examples above illustrate why all drivers should get quotes for a targeted area and their own driving history, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $683
• Choosing higher $1,000 deductibles can save approximately $148 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,174
• Using low deductibles for comp and collision coverage costs an extra $284 each year
• Drivers who are prone to accidents and violations could pay up to $2,526
• Policy cost to insure a teenage driver can cost as much as $4,406 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $440 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $4,400 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 $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 133% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Subaru Crosstrek insurance rates. A good driver about age 40 could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,580 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for Affordable Subaru Crosstrek Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, having above-average credit, being claim-free, and possibly raising deductibles. Spend time shopping around at least once a year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

Below is a brief review of the primary concepts that were touched on above.

• It is possible to save approximately $140 per year just by quoting online in advance
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,350 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Teenage drivers are expensive to insure, possibly costing $367 each month if full coverage is included