Subaru Crosstrek Insurance Rates

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Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Mar 15, 2023

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Subaru Crosstrek insurance

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:

Comprehensive $260
Collision $424
Liability $384

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.

Liability Only $432
Full Coverage $1,204
High Risk $2,596

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.

Rural Areas $903
Small Cities $1,264
Large Cities $1,625

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

View Chart as Image

Subaru Crosstrek insurance cost comparison chart
Column chart showing full coverage Subaru Crosstrek insurance prices range from $699 to $4,500

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.

Subaru Crosstrek Insurance Rates by State
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%

View Chart as Image

Subaru Crosstrek insurance rates by U.S. city

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.

Subaru Crosstrek Insurance Rates by Model Year
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

Rates by Driver Age

Subaru Crosstrek Insurance 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

Subaru Crosstrek Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,504
$250 $1,366
$500 $1,204
$1,000 $1,050

Full coverage, driver age 40

Rates by Liability Limit

Subaru Crosstrek Insurance Rates with Different Liability Limits
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

Subaru Crosstrek Insurance 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.

SR-22 Surcharge $166

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
Rate after discounts $699

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

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