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...

Licensed Insurance Producer

UPDATED: Jun 6, 2023

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Subaru Crosstrek insurance

Average insurance rates for a Subaru Crosstrek are $1,174 a year including full coverage. Comprehensive insurance costs around $250, collision insurance costs $400, and liability costs $388. A policy with just liability insurance costs as little as $434 a year, and coverage for high-risk drivers costs $2,526 or more. Teen drivers receive the highest rates at up to $4,406 a year.

Average premium for full coverage: $1,174

Rate estimates for individual coverage type:

Comprehensive $250
Collision $400
Liability $388

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Crosstrek models.

Price Range by Coverage and Risk

For the normal driver, prices range range from as low as $434 for just liability insurance to the much higher price of $2,526 for a driver who requires high-risk insurance.

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

Price Range by Location

Your location can have significant affects on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates how geographic area affects auto insurance rates.

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

These examples highlight why everyone should compare rates for a specific zip code and risk profile, instead of using price averages.

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.

More Rate Details

The chart below breaks down average Subaru Crosstrek insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $683
  • Drivers who choose higher $1,000 deductibles will pay about $148 every year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,174
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $284 every year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,526
  • The cost for full coverage for a teen driver for full coverage can be $4,406 a year

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 rates for a Subaru Crosstrek can also vary considerably based on your driver profile, the model of your Crosstrek, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $4,400 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 $900 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,670 on average in Michigan, New York, and Louisiana.

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 high deductibles could save up to $440 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,400 to $1,900 additional per year, depending on your age. Subaru Crosstrek insurance for high-risk drivers can cost as much as 43% to 133% more than average. View High Risk Driver Rates

Subaru Crosstrek Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Subaru Crosstrek $260 $424 $384 $1,204
2017 Subaru Crosstrek $250 $400 $388 $1,174
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 Cheap Subaru Crosstrek Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The points below are a brief summary of the concepts that were presented in the illustrations above.

  • Higher risk drivers that tend to have accidents or serious violations pay on average $1,350 more every year to insure a Subaru Crosstrek
  • Drivers under the age of 20 are charged the highest rates, as much as $367 per month including comprehensive and collision insurance
  • You may be able to save up to $140 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save around $425 each year
  • You may be able to save up to $140 per year just by quoting online well ahead of the renewal date

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.

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