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...

Insurance Lawyer

UPDATED: Jun 3, 2024

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Subaru Crosstrek insurance

Estimated auto insurance rates for a Subaru Crosstrek are $1,204 annually including full coverage. Comprehensive insurance costs around $260, collision costs $424, and liability insurance is $384. A liability-only policy costs around $432 a year, with high-risk insurance costing $2,596 or more. Teens pay the most at $4,500 a year or more.

Average premium for full coverage: $1,204

Premium estimates for type of coverage:

Comprehensive $260
Collision $424
Liability $384

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all Crosstrek models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Subaru Crosstrek go from as cheap as $432 for a discount liability-only rate to the much higher price of $2,596 for a high-risk driver policy.

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

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how your location can change auto insurance rates.

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

These rate differences highlight why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on averaged prices.

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.

Rates by State, City, and Model

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

  • The cheapest rate after discounts is $699
  • Raising to $1,000 deductibles will save about $154 every year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,204
  • Selecting pricier low deductibles costs an additional $300 a year
  • Higher-risk drivers with serious driving violations could pay at least $2,596 or more
  • An auto insurance policy with full coverage for a teen driver for full coverage can be $4,500

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

Auto insurance prices for a Subaru Crosstrek also have a wide range based on the model of your Crosstrek, your driving characteristics, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,400 to $2,000 in extra premium annually, depending on your age. Subaru Crosstrek insurance for high-risk drivers is expensive and can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $460 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $345 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Subaru Crosstrek insurance rates. A middle-age driver might find prices as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,720 on average in Michigan, New York, and Louisiana.

Subaru Crosstrek Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$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

With such a large range in prices, the best way to figure out your exact price is to regularly compare prices from as many companies as possible. Every auto insurance company calculates prices differently, and quoted prices will be substantially different between companies.

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 Buy the Right Subaru Crosstrek Insurance

Finding better rates on Subaru Crosstrek insurance consists of being a good driver, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Invest the time to shop around every time your policy renews by requesting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following list is a quick rundown of the information illustrated above.

  • You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
  • Drivers age 16 to 20 are expensive to insure, with the cost nearing $375 per month if full coverage is included
  • Increasing policy deductibles could save up to $450 each year
  • High-risk drivers with reckless driving or DUI convictions may pay on average $1,390 more every year than a safer driver
  • Drivers who may need an increased level of liability coverage will pay approximately $420 per year to raise from 30/60 bodily injury limits to higher 250/500 limits

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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