Subaru Crosstrek Insurance Rates
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UPDATED: Mar 15, 2023
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Average insurance rates for a Subaru Crosstrek are $1,204 a year including full coverage. Comprehensive insurance costs an estimated $260 a year, collision costs $424, and liability costs $384. A policy with just liability insurance costs as little as $432 a year, with coverage for high-risk drivers costing $2,596 or more. Teenage drivers receive the highest rates at $4,500 a year or more.
Average premium for full coverage: $1,204
Rate estimates broken down by individual coverage type:
Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Crosstrek trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the low end price of $432 for basic liability insurance to a high of $2,596 for a driver who requires high-risk insurance.
Price Range by Location
Your location can make a big difference on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.
The diagram below illustrates how location helps determine insurance prices.
These examples highlight why it is important to compare rates for a targeted area, 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.
Rate Comparisons
The chart below breaks down estimated Subaru Crosstrek insurance rates for other coverage scenarios.
- The best discount rate is $699
- Drivers who choose higher $1,000 deductibles will pay approximately $1,050 every year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,204
- Using low $100 deductibles for comprehensive and collision insurance will cost an additional $300 annually
- Drivers who are prone to accidents and violations could pay up to $2,596 or more
- The cost that insures a 16-year-old driver can cost as much as $4,500 a year
Insurance rates for a Subaru Crosstrek can also vary considerably based on the trim level of your Crosstrek, your driving record and age, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are likely paying $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,500 a year. View Rates by Age
Where you live makes a big difference in Subaru Crosstrek insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,720 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$118 | -9.8% |
| Alaska | $924 | -$280 | -23.3% |
| Arizona | $998 | -$206 | -17.1% |
| Arkansas | $1,204 | -$0 | 0.0% |
| California | $1,372 | $168 | 14.0% |
| Colorado | $1,148 | -$56 | -4.7% |
| Connecticut | $1,236 | $32 | 2.7% |
| Delaware | $1,360 | $156 | 13.0% |
| Florida | $1,502 | $298 | 24.8% |
| Georgia | $1,112 | -$92 | -7.6% |
| Hawaii | $864 | -$340 | -28.2% |
| Idaho | $816 | -$388 | -32.2% |
| Illinois | $896 | -$308 | -25.6% |
| Indiana | $908 | -$296 | -24.6% |
| Iowa | $812 | -$392 | -32.6% |
| Kansas | $1,142 | -$62 | -5.1% |
| Kentucky | $1,642 | $438 | 36.4% |
| Louisiana | $1,780 | $576 | 47.8% |
| Maine | $742 | -$462 | -38.4% |
| Maryland | $992 | -$212 | -17.6% |
| Massachusetts | $960 | -$244 | -20.3% |
| Michigan | $2,090 | $886 | 73.6% |
| Minnesota | $1,010 | -$194 | -16.1% |
| Mississippi | $1,442 | $238 | 19.8% |
| Missouri | $1,066 | -$138 | -11.5% |
| Montana | $1,292 | $88 | 7.3% |
| Nebraska | $946 | -$258 | -21.4% |
| Nevada | $1,444 | $240 | 19.9% |
| New Hampshire | $868 | -$336 | -27.9% |
| New Jersey | $1,344 | $140 | 11.6% |
| New Mexico | $1,064 | -$140 | -11.6% |
| New York | $1,266 | $62 | 5.1% |
| North Carolina | $692 | -$512 | -42.5% |
| North Dakota | $986 | -$218 | -18.1% |
| Ohio | $828 | -$376 | -31.2% |
| Oklahoma | $1,234 | $30 | 2.5% |
| Oregon | $1,102 | -$102 | -8.5% |
| Pennsylvania | $1,146 | -$58 | -4.8% |
| Rhode Island | $1,604 | $400 | 33.2% |
| South Carolina | $1,092 | -$112 | -9.3% |
| South Dakota | $1,016 | -$188 | -15.6% |
| Tennessee | $1,054 | -$150 | -12.5% |
| Texas | $1,452 | $248 | 20.6% |
| Utah | $890 | -$314 | -26.1% |
| Vermont | $822 | -$382 | -31.7% |
| Virginia | $720 | -$484 | -40.2% |
| Washington | $928 | -$276 | -22.9% |
| West Virginia | $1,104 | -$100 | -8.3% |
| Wisconsin | $832 | -$372 | -30.9% |
| Wyoming | $1,072 | -$132 | -11.0% |
Using high physical damage deductibles could save up to $460 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $345 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from multiple companies. Every company uses a different method to calculate rates, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Subaru Crosstrek | $270 | $458 | $376 | $1,240 |
| 2017 Subaru Crosstrek | $260 | $424 | $384 | $1,204 |
| 2014 Subaru Crosstrek | $224 | $330 | $390 | $1,080 |
| 2013 Subaru Crosstrek | $216 | $310 | $394 | $1,056 |
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 Affordable Subaru Crosstrek Insurance
Saving money on insurance for a Subaru Crosstrek not only requires having a good driving record, but also having a good credit score, not filing small claims, and maximizing policy discounts. Compare prices at every other renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The next list is a brief review of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk with DUI or reckless driving convictions could be charged and average of $1,390 more annually to buy Subaru Crosstrek insurance
- Drivers age 20 and younger are expensive to insure, as much as $375 per month if comprehensive and collision insurance is included
- You may be able to save approximately $140 per year simply by quoting early and online
- Increasing deductibles can save approximately $450 each year
- You may be able to save approximately $140 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,500 |
| 20 | $2,756 |
| 30 | $1,252 |
| 40 | $1,204 |
| 50 | $1,100 |
| 60 | $1,080 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,504 |
| $250 | $1,366 |
| $500 | $1,204 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,204 |
| 50/100 | $1,281 |
| 100/300 | $1,377 |
| 250/500 | $1,626 |
| 100 CSL | $1,319 |
| 300 CSL | $1,530 |
| 500 CSL | $1,684 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,418 |
| 20 | $4,388 |
| 30 | $2,648 |
| 40 | $2,596 |
| 50 | $2,474 |
| 60 | $2,452 |
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 | $64 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $53 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $505 |
Discounts are estimated and may not be available from every company or in every state.
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