Subaru Crosstrek Insurance Rates

The average insurance rates for a Subaru Crosstrek are $1,174 a year for full coverage insurance. Comprehensive costs approximately $250, collision insurance costs $400, and liability costs $388. A liability-only policy costs as little as $434 a year, and high-risk insurance costs around $2,526. Teen drivers cost the most to insure at up to $4,406 a year.

Average premium for full coverage: $1,174

Policy rates by type of insurance:

Estimates include $500 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Crosstrek trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates how location impacts auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates using their specific location, instead of using price averages.

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

More Rate Details

The chart below illustrates average Subaru Crosstrek insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $683
• Drivers who choose higher $1,000 deductibles will pay $148 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,174
• Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,458
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,526
• Policy cost that insures a teen driver with full coverage can cost $4,406 a year

View Chart as Image

Car insurance rates for a Subaru Crosstrek also range considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can cost as much as 43% to 133% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,400 a year. View Rates by Age

Your home state makes a big difference in Subaru Crosstrek insurance prices. A 40-year-old driver could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,580 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $440 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Low Cost Subaru Crosstrek Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having a positive credit history, being claim-free, and attention to physical damage deductibles. Shop around at every policy renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The following is a review of the data touched on above.

• Policyholders who purchase higher liability limits will pay about $430 annually to go from a 30/60 limit to the 250/500 level
• It is possible to save around $140 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Teens pay the highest auto insurance rates, possibly costing $367 each month if full coverage is purchased