Subaru Crosstrek Insurance Rates

The average insurance rates for a Subaru Crosstrek are $1,240 a year for full coverage. Comprehensive costs on average $270, collision insurance costs $458, and liability costs around $376. Liability-only coverage costs as low as $426 a year, and high-risk coverage costs around $2,676. Teenage drivers cost the most to insure at up to $4,612 a year.

Average premium for full coverage: $1,240

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all Crosstrek models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities. The example below illustrates how your location can change car insurance rates.

The examples above show why everyone should compare prices based on a specific location, instead of using average rates.

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

Detailed Rate Analysis

The chart below shows average Subaru Crosstrek insurance rates for different risk profiles and scenarios.

• The best discount rate is $715
• Using higher $1,000 deductibles will save around $166 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,240
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,560
• Drivers who are prone to accidents and violations could pay upwards of $2,676
• Policy cost that insures a teen driver for full coverage may cost $4,612 or more

View Chart as Image

Insurance rates for a Subaru Crosstrek also range considerably based on the model of your Crosstrek, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,000 additional every year, depending on your age. Subaru Crosstrek insurance for high-risk drivers can be as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,600 a year. View Rates by Age

Your home state has a huge impact on Subaru Crosstrek insurance prices. A driver around age 40 might see rates as low as $820 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,770 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $490 every year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $339 more each year. View Rates by Deductible or Liability Limit

How to Find Cheaper Subaru Crosstrek Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare prices every couple of years by getting quotes from direct carriers, and also from local exclusive and independent agents.

Below is a condensed summary of the material that was illustrated above.

• Policyholders who require higher levels of liability will pay an extra $410 each year to increase from a 30/60 limit to the 250/500 level
• Teenage drivers pay higher rates, costing up to $384 each month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents may pay on average $1,440 more each year for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $475 each year