Subaru Crosstrek Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Jun 3, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Subaru Crosstrek insurance

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

Average premium for full coverage: $1,174

Premium estimates broken down by type of coverage:

Comprehensive $250
Collision $400
Liability $388

These estimates include $500 deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all Crosstrek models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Subaru Crosstrek range from as low as $434 for just the minimum liability insurance to the much higher price of $2,526 for coverage for higher-risk drivers.

Liability Only $434
Full Coverage $1,174
High Risk $2,526

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates how your location can change insurance prices.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

These rate differences illustrate why everyone should compare rates quotes for a targeted area and risk profile, 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.

By clicking, you agree to our Terms of Use

Additional Rate Analysis

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

  • The cheapest rate after discounts is $683
  • Raising to $1,000 deductibles will save approximately $148 each year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,174
  • Selecting pricier low deductibles will cost an extra $284 each year
  • Unlucky drivers with serious driving violations could pay up to $2,526
  • An auto insurance policy for full coverage for a teenage driver for full coverage can cost as much as $4,406

View Chart as Image

Subaru Crosstrek insurance cost comparison chart
Column chart showing Subaru Crosstrek insurance prices range from $683 to $4,406 for full coverage

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

A more mature driver with no violations or accidents and high deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $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 North Carolina, Wisconsin, and Vermont, or have to pay at least $1,580 on average in Florida, New York, and Michigan.

Subaru Crosstrek Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,060 -$114 -9.7%
Alaska $898 -$276 -23.5%
Arizona $974 -$200 -17.0%
Arkansas $1,174 -$0 0.0%
California $1,336 $162 13.8%
Colorado $1,118 -$56 -4.8%
Connecticut $1,202 $28 2.4%
Delaware $1,324 $150 12.8%
Florida $1,464 $290 24.7%
Georgia $1,084 -$90 -7.7%
Hawaii $844 -$330 -28.1%
Idaho $794 -$380 -32.4%
Illinois $872 -$302 -25.7%
Indiana $884 -$290 -24.7%
Iowa $790 -$384 -32.7%
Kansas $1,112 -$62 -5.3%
Kentucky $1,598 $424 36.1%
Louisiana $1,736 $562 47.9%
Maine $722 -$452 -38.5%
Maryland $968 -$206 -17.5%
Massachusetts $936 -$238 -20.3%
Michigan $2,034 $860 73.3%
Minnesota $980 -$194 -16.5%
Mississippi $1,402 $228 19.4%
Missouri $1,040 -$134 -11.4%
Montana $1,258 $84 7.2%
Nebraska $922 -$252 -21.5%
Nevada $1,406 $232 19.8%
New Hampshire $846 -$328 -27.9%
New Jersey $1,308 $134 11.4%
New Mexico $1,034 -$140 -11.9%
New York $1,232 $58 4.9%
North Carolina $674 -$500 -42.6%
North Dakota $960 -$214 -18.2%
Ohio $808 -$366 -31.2%
Oklahoma $1,202 $28 2.4%
Oregon $1,072 -$102 -8.7%
Pennsylvania $1,118 -$56 -4.8%
Rhode Island $1,562 $388 33.0%
South Carolina $1,062 -$112 -9.5%
South Dakota $988 -$186 -15.8%
Tennessee $1,024 -$150 -12.8%
Texas $1,412 $238 20.3%
Utah $866 -$308 -26.2%
Vermont $800 -$374 -31.9%
Virginia $702 -$472 -40.2%
Washington $902 -$272 -23.2%
West Virginia $1,074 -$100 -8.5%
Wisconsin $808 -$366 -31.2%
Wyoming $1,042 -$132 -11.2%

View Chart as Image

Subaru Crosstrek insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $440 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $349 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,400 to $1,900 additional annually, depending on your age. Subaru Crosstrek insurance for high-risk drivers is expensive and can cost around 43% to 133% more than the average policy. View High Risk Driver Rates

Subaru Crosstrek Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Subaru Crosstrek $306 $506 $338 $1,286
2023 Subaru Crosstrek $296 $494 $354 $1,280
2022 Subaru Crosstrek $286 $474 $364 $1,260
2021 Subaru Crosstrek $270 $458 $376 $1,240
2020 Subaru Crosstrek $260 $424 $384 $1,204
2019 Subaru Crosstrek $250 $400 $388 $1,174
2018 Subaru Crosstrek $240 $358 $390 $1,124
2017 Subaru Crosstrek $224 $330 $390 $1,080
2016 Subaru Crosstrek $216 $310 $394 $1,056
2014 Subaru Crosstrek $194 $268 $402 $1,000
2013 Subaru Crosstrek $190 $244 $406 $976

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 Cheap Subaru Crosstrek Insurance

Finding better rates on auto insurance consists of not taking risks behind the wheel, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to shop around at least once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief summary of the primary concepts that were illustrated above.

  • It is possible to save approximately $140 per year just by quoting online well ahead of the renewal date
  • Drivers that tend to have accidents or serious violations pay on average $1,350 more annually for Crosstrek insurance
  • Increasing policy deductibles can save around $425 each year
  • Teens are expensive to insure, with premiums being up to $367 per month including comprehensive and collision insurance

Rates by Driver Age

Subaru Crosstrek Insurance Rates by Driver Age
Driver Age Premium
16 $4,406
20 $2,682
30 $1,216
40 $1,174
50 $1,072
60 $1,052

Full coverage, $500 deductibles

Rates by Deductible

Subaru Crosstrek Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,326
$500 $1,174
$1,000 $1,026

Full coverage, driver age 40

Rates by Liability Limit

Subaru Crosstrek Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,174
50/100 $1,252
100/300 $1,349
250/500 $1,601
100 CSL $1,290
300 CSL $1,504
500 CSL $1,659

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Crosstrek Insurance Rates for High Risk Drivers
Age Premium
16 $6,274
20 $4,270
30 $2,574
40 $2,526
50 $2,408
60 $2,386

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 $161

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $62
Multi-vehicle $62
Homeowner $18
5-yr Accident Free $83
5-yr Claim Free $76
Paid in Full/EFT $51
Advance Quote $56
Online Quote $83
Total Discounts $491
Rate after discounts $683

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

By clicking, you agree to our Terms of Use

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles