Subaru Crosstrek Insurance Rates
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UPDATED: Jun 3, 2024
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Average insurance rates for a Subaru Crosstrek are $1,240 a year with full coverage. Comprehensive costs approximately $270 a year, collision insurance costs $458, and liability is $376. Buying just liability costs around $426 a year, and insurance for high-risk drivers costs around $2,676. Teenage drivers receive the highest rates at up to $4,612 a year.
Average premium for full coverage: $1,240
Rate estimates by individual coverage type:
Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Crosstrek trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $426 for just the minimum liability insurance to a high of $2,676 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. Rural locations tend to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.
These examples demonstrate why it is important to compare rates quotes using their specific location and risk profile, instead of making a decision based on average rates.
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.
Additional Rate Analysis
The chart below details average Subaru Crosstrek insurance rates for additional coverage and risk scenarios.
- The best discount rate is $715
- Raising to $1,000 deductibles will save $1,074 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,240
- Using low $100 deductibles will increase the cost to $1,560
- Drivers who are prone to accidents and violations could pay around $2,676
- The cost for full coverage for a 16-year-old driver can cost $4,612
Auto insurance rates for a Subaru Crosstrek can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age
Where you live also has a big influence on Subaru Crosstrek insurance prices. A middle-age driver might find rates as low as $890 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,670 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,120 | -$120 | -9.7% |
| Alaska | $950 | -$290 | -23.4% |
| Arizona | $1,028 | -$212 | -17.1% |
| Arkansas | $1,240 | -$0 | 0.0% |
| California | $1,412 | $172 | 13.9% |
| Colorado | $1,182 | -$58 | -4.7% |
| Connecticut | $1,272 | $32 | 2.6% |
| Delaware | $1,402 | $162 | 13.1% |
| Florida | $1,548 | $308 | 24.8% |
| Georgia | $1,146 | -$94 | -7.6% |
| Hawaii | $890 | -$350 | -28.2% |
| Idaho | $840 | -$400 | -32.3% |
| Illinois | $922 | -$318 | -25.6% |
| Indiana | $934 | -$306 | -24.7% |
| Iowa | $834 | -$406 | -32.7% |
| Kansas | $1,176 | -$64 | -5.2% |
| Kentucky | $1,688 | $448 | 36.1% |
| Louisiana | $1,834 | $594 | 47.9% |
| Maine | $764 | -$476 | -38.4% |
| Maryland | $1,024 | -$216 | -17.4% |
| Massachusetts | $988 | -$252 | -20.3% |
| Michigan | $2,152 | $912 | 73.5% |
| Minnesota | $1,036 | -$204 | -16.5% |
| Mississippi | $1,484 | $244 | 19.7% |
| Missouri | $1,100 | -$140 | -11.3% |
| Montana | $1,330 | $90 | 7.3% |
| Nebraska | $974 | -$266 | -21.5% |
| Nevada | $1,484 | $244 | 19.7% |
| New Hampshire | $894 | -$346 | -27.9% |
| New Jersey | $1,386 | $146 | 11.8% |
| New Mexico | $1,098 | -$142 | -11.5% |
| New York | $1,304 | $64 | 5.2% |
| North Carolina | $714 | -$526 | -42.4% |
| North Dakota | $1,016 | -$224 | -18.1% |
| Ohio | $854 | -$386 | -31.1% |
| Oklahoma | $1,272 | $32 | 2.6% |
| Oregon | $1,136 | -$104 | -8.4% |
| Pennsylvania | $1,180 | -$60 | -4.8% |
| Rhode Island | $1,652 | $412 | 33.2% |
| South Carolina | $1,122 | -$118 | -9.5% |
| South Dakota | $1,046 | -$194 | -15.6% |
| Tennessee | $1,084 | -$156 | -12.6% |
| Texas | $1,494 | $254 | 20.5% |
| Utah | $916 | -$324 | -26.1% |
| Vermont | $844 | -$396 | -31.9% |
| Virginia | $742 | -$498 | -40.2% |
| Washington | $956 | -$284 | -22.9% |
| West Virginia | $1,136 | -$104 | -8.4% |
| Wisconsin | $856 | -$384 | -31.0% |
| Wyoming | $1,102 | -$138 | -11.1% |
Using high physical damage deductibles can reduce rates by up to $490 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $339 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 135% more than a normal policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Crosstrek | $336 | $532 | $316 | $1,320 |
| 2023 Subaru Crosstrek | $320 | $512 | $332 | $1,300 |
| 2022 Subaru Crosstrek | $306 | $506 | $338 | $1,286 |
| 2021 Subaru Crosstrek | $296 | $494 | $354 | $1,280 |
| 2020 Subaru Crosstrek | $286 | $474 | $364 | $1,260 |
| 2019 Subaru Crosstrek | $270 | $458 | $376 | $1,240 |
| 2018 Subaru Crosstrek | $260 | $424 | $384 | $1,204 |
| 2017 Subaru Crosstrek | $250 | $400 | $388 | $1,174 |
| 2016 Subaru Crosstrek | $240 | $358 | $390 | $1,124 |
| 2014 Subaru Crosstrek | $216 | $310 | $394 | $1,056 |
| 2013 Subaru Crosstrek | $210 | $288 | $402 | $1,036 |
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 More Affordable Subaru Crosstrek Insurance
Saving money on insurance for a Subaru Crosstrek consists of avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and possibly higher deductibles. Invest the time to shop around at every other renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.
The points below are a summary of the concepts that were illustrated above.
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,440 more per year to insure a Subaru Crosstrek
- Drivers under the age of 20 have the highest car insurance rates, with premiums as much as $384 per month if they have full coverage
- You may be able to save around $150 per year just by quoting early and online
- Increasing deductibles can save around $475 each year
- You may be able to save around $150 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,612 |
| 20 | $2,844 |
| 30 | $1,294 |
| 40 | $1,240 |
| 50 | $1,132 |
| 60 | $1,112 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,560 |
| $250 | $1,412 |
| $500 | $1,240 |
| $1,000 | $1,074 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,240 |
| 50/100 | $1,315 |
| 100/300 | $1,409 |
| 250/500 | $1,654 |
| 100 CSL | $1,353 |
| 300 CSL | $1,560 |
| 500 CSL | $1,710 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,578 |
| 20 | $4,528 |
| 30 | $2,734 |
| 40 | $2,676 |
| 50 | $2,552 |
| 60 | $2,526 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $65 |
| Homeowner | $19 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $56 |
| Advance Quote | $61 |
| Online Quote | $88 |
| Total Discounts | $525 |
Discounts are estimated and may not be available from every company or in every state.
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