Subaru Crosstrek Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 3, 2024

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Subaru Crosstrek insurance

Estimated insurance prices for a Subaru Crosstrek are $1,204 every 12 months with full coverage. Comprehensive insurance costs an estimated $260 each year, collision insurance costs $424, and liability coverage costs $384. Liability-only insurance costs as little as $432 a year, and high-risk driver insurance costs $2,596 or more. Teenage drivers pay the most at up to $4,500 a year.

Average premium for full coverage: $1,204

Premium estimates broken down by type of coverage:

Comprehensive $260
Collision $424
Liability $384

Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and Crosstrek models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Subaru Crosstrek range from the cheapest price of $432 for liability-only coverage to a high rate of $2,596 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Your location has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects insurance prices.

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

These rate differences demonstrate why all drivers should compare rates for a targeted area and their own driving history, rather than using 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 details average Subaru Crosstrek insurance rates for other coverage scenarios.

  • The best discount rate is $699
  • Drivers who choose higher $1,000 deductibles will pay approximately $154 annually
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,204
  • Using low deductibles for comprehensive and collision insurance costs an extra $300 each year
  • High-risk insureds who are prone to accidents and violations could pay up to $2,596
  • An auto insurance policy to insure a teenage driver can cost as much as $4,500 a year

View Chart as Image

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

Insurance prices for a Subaru Crosstrek also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Using high physical damage deductibles could save up to $460 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $345 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,400 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Subaru Crosstrek insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,620 on average in New York, Michigan, and Florida.

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
Subaru Crosstrek Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Subaru Crosstrek $320 $512 $332 $1,300
2023 Subaru Crosstrek $306 $506 $338 $1,286
2022 Subaru Crosstrek $296 $494 $354 $1,280
2021 Subaru Crosstrek $286 $474 $364 $1,260
2020 Subaru Crosstrek $270 $458 $376 $1,240
2019 Subaru Crosstrek $260 $424 $384 $1,204
2018 Subaru Crosstrek $250 $400 $388 $1,174
2017 Subaru Crosstrek $240 $358 $390 $1,124
2016 Subaru Crosstrek $224 $330 $390 $1,080
2014 Subaru Crosstrek $210 $288 $402 $1,036
2013 Subaru Crosstrek $194 $268 $402 $1,000

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 Shop for Cheaper Subaru Crosstrek Insurance

Finding better rates on auto insurance not only requires having a good driving record, but also having above-average credit, being claim-free, and possibly raising deductibles. Set aside time to shop around at least once a year by getting quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a condensed summary of the primary concepts that were raised in the charts and tables above.

  • You may be able to save approximately $140 per year just by quoting online in advance
  • Drivers with multiple at-fault accidents may pay on average $1,390 more annually to buy Subaru Crosstrek insurance
  • Increasing policy deductibles could save as much as $450 each year
  • Drivers age 20 and younger are expensive to insure, possibly costing $375 per month if full coverage is included

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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