Subaru Crosstrek Insurance Rates
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UPDATED: Jun 3, 2024
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U.S. average insurance rates for a Subaru Crosstrek are $1,240 a year for full coverage insurance. Comprehensive costs an estimated $270, collision costs $458, and liability insurance is $376. A policy with just liability insurance costs around $426 a year, with coverage for high-risk drivers costing around $2,676. Teenage drivers pay the highest rates at $4,612 a year or more.
Average premium for full coverage: $1,240
Price estimates broken down by individual coverage:
Rate estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Crosstrek trim levels.
Price Range from Low to High
For a driver in their 40's, Subaru Crosstrek insurance prices go from the low end price of $426 for liability-only coverage to a much higher rate of $2,676 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities.
The price range example below illustrates how location helps determine insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than relying 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 Charts and Tables
The chart below illustrates estimated Subaru Crosstrek insurance rates for other coverage scenarios.
- The best discount rate is $715
- Raising to $1,000 deductibles will save approximately $166 each year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,240
- Using more expensive low deductibles bumps up the cost to $1,560
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,676 or more
- The price that insures a teen driver with full coverage can cost as much as $4,612
Insurance prices for a Subaru Crosstrek are also quite variable based on the model year and trim level, your age and driving record, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are probably paying $1,500 to $2,000 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age
The state you live in also has a big influence on Subaru Crosstrek insurance rates. A middle-age driver might find prices as low as $810 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,670 on average in Florida, New York, and Michigan.
| 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 prices by up to $490 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $339 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different.
| 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 the Best Subaru Crosstrek Insurance
Getting lower rates on Subaru Crosstrek insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and taking advantage of discounts. Compare prices at every other renewal by getting quotes from direct insurance companies, and also from local insurance agencies.
Below is a brief recap of the concepts that were covered in the charts and tables above.
- High-risk drivers who tend to receive serious violations may have to pay on average $1,440 more annually for auto insurance
- Teenage drivers are charged the highest prices, as much as $384 a month if full coverage is included
- It is possible to save approximately $150 per year simply by shopping early and online
- Increasing physical damage deductibles can save approximately $475 each year
- It is possible to save approximately $150 per year simply by shopping 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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