Compare Subaru Crosstrek Car Insurance Rates [2024]
Average auto insurance rates for a Subaru Crosstrek cost $1,320 a year, or around $110 a month. On average, comprehensive coverage costs $322, collision coverage costs $469, and liability coverage costs $372 for Subaru Crosstrek insurance.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Dec 21, 2023
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Key Takeaways:
- Full coverage costs around $1,320 a year or $110 each month
- A liability-only policy costs around $529 a year or $44 each month
- Highest rates are for teenage drivers at around $4,825 a year or $402 each month
- Good drivers can save as much as $544 a year by earning policy discounts
- Subaru Crosstrek insurance costs around $199 less per year than the average vehicle
Subaru Crosstrek car insurance rates are determined by a number of factors, such as the age of the driver.
Teenagers have the highest Subaru Crosstrek insurance rates at $4,825 a year, or $402 every month. But good drivers can save as much as $544 a year by earning policy discounts.
Take the time to read through this helpful article that details exactly how Subaru Crosstrek rates are determined so you can compare policies with a trained eye.
You can start comparing quotes for Subaru Crosstrek car insurance rates from some of the best car insurance companies by using our free online tool now.
Subaru Crosstrek Insurance Cost
The average Subaru Crosstrek car insurance rates are $1,320 a year or $110 a month.
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Are Subaru Crosstreks Expensive to Insure?
The chart below details how Subaru Crosstrek insurance rates compare to other crossovers like the Lexus NX 300, Honda HR-V, and Toyota C-HR.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Subaru Crosstrek | $336 | $532 | $316 | $1,320 |
| Lexus NX 300 | $376 | $688 | $372 | $1,594 |
| Honda HR-V | $294 | $532 | $372 | $1,356 |
| Toyota C-HR | $254 | $452 | $258 | $1,074 |
| Hyundai Tucson | $294 | $470 | $372 | $1,294 |
| Audi Q5 | $362 | $718 | $372 | $1,610 |
| Kia Sportage | $280 | $470 | $372 | $1,280 |
However, there are a few things you can do to find the cheapest Subaru insurance rates online.
What Impacts the Cost of Subaru Crosstrek Insurance?
Even though the average annual rate for the Subaru Crosstrek is $1,320, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Subaru Crosstrek.
Age of the Vehicle
Older Subaru Crosstrek models generally cost less to insure. For example, auto insurance for a 2020 Subaru Crosstrek costs $1,320, while 2016 Subaru Crosstrek insurance costs are $1,260, a difference of $60.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Subaru Crosstrek | $336 | $532 | $316 | $1,320 |
| 2019 Subaru Crosstrek | $320 | $512 | $332 | $1,300 |
| 2018 Subaru Crosstrek | $306 | $506 | $338 | $1,286 |
| 2017 Subaru Crosstrek | $296 | $494 | $354 | $1,280 |
| 2016 Subaru Crosstrek | $286 | $474 | $364 | $1,260 |
Driver Age
Driver age can have a significant impact on Subaru Crosstrek auto insurance rates. For example, 20-year-old drivers pay approximately $1,614 more each year for their Subaru Crosstrek auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Subaru Crosstrek insurance rates. For example, drivers in Los Angeles may pay $488 a year more than drivers in Philadelphia.
Your Driving Record
Your driving record can have an impact on your Subaru Crosstrek auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Subaru Crosstrek car insurance with violations on their driving record.
Subaru Crosstrek Safety Ratings
The Subaru Crosstrek’s safety ratings will affect your Subaru Crosstrek auto insurance rates. See the chart below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Subaru Crosstrek Crash Test Ratings
Good Subaru Crosstrek crash test ratings can lower your Subaru Crosstrek auto insurance rates. See Subaru Crosstrek crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Subaru Crosstrek SW AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Subaru Crosstrek Hybrid SW AWD | N/R | N/R | N/R | N/R |
| 2019 Subaru Crosstrek SW AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Subaru Crosstrek Hybrid SW AWD | N/R | N/R | N/R | N/R |
| 2018 Subaru Crosstrek SW AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Subaru Crosstrek SW AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Subaru Crosstrek SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Subaru Crosstrek Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Subaru Crosstrek Safety Features
The Subaru Crosstrek safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Subaru Crosstrek auto insurance rates. The Subaru Crosstrek’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- Lane Departure Warning
- Lane Keeping Assist
Subaru Crosstrek Finance and Insurance Cost
If you are financing a Subaru Crosstrek, most lenders will require your carry higher Subaru Crosstrek coverage options including comprehensive coverage, so be sure to shop around and compare Subaru Crosstrek car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Subaru Crosstrek Insurance
Save more on your Subaru Crosstrek car insurance rates. Take a look at the following five strategies that will get you the best Subaru Crosstrek auto insurance rates possible.
- Take a Refresher Course as an Older Driver
- Check Reviews and State Complaints Before You Choose an Insurer
- Understand that Your Insurer Can Change Your Subaru Crosstrek Auto Insurance Rates Mid-Term for Other Reasons
- Ask for a Subaru Crosstrek Discount If You Have College Degree or Higher
- Wait Six Years for Accidents to Disappear from Your Record
Top Subaru Crosstrek Insurance Companies
Several top car insurance companies offer competitive rates for the Subaru Crosstrek rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Subaru Crosstrek drivers organized by market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Frequently Asked Questions
What factors can affect Subaru Crosstrek car insurance rates?
Several factors can influence Subaru Crosstrek car insurance rates, including your driving history, age, location, credit score, deductible amount, coverage limits, and the specific insurance provider you choose. Additionally, the Crosstrek’s safety features, repair costs, and theft rates may also impact insurance premiums.
Are Subaru Crosstreks generally expensive to insure?
The cost of insuring a Subaru Crosstrek can vary depending on several factors. However, compared to some other vehicles in its class, the Crosstrek often has lower insurance rates due to its safety features and overall reliability. It’s always a good idea to compare quotes from different insurance companies to find the best rates for your specific circumstances.
How can I find affordable insurance rates for my Subaru Crosstrek?
To find affordable insurance rates for your Subaru Crosstrek, consider the following tips:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a good driving record and avoid traffic violations or accidents.
- Opt for a higher deductible if you can afford it, as it can lower your premium.
- Take advantage of any available discounts, such as multi-policy or safe driver discounts.
- Consider installing safety features like anti-theft devices or an alarm system to potentially reduce your rates.
Are there any specific insurance discounts available for Subaru Crosstrek owners?
Yes, insurance providers may offer specific discounts for Subaru Crosstrek owners, depending on the company and your location. Some common discounts you may qualify for include:
- Safety feature discounts: If your Crosstrek has advanced safety features like adaptive cruise control, lane departure warning, or automatic emergency braking, you may be eligible for discounted rates.
- Multi-policy discounts: If you bundle your car insurance with other policies, such as homeowners or renters insurance, you can often receive a discount on all policies.
- Good driver discounts: Maintaining a clean driving record without accidents or traffic violations may make you eligible for lower insurance rates.
Does the Subaru Crosstrek’s fuel efficiency affect insurance rates?
Generally, fuel efficiency itself does not directly impact insurance rates for a Subaru Crosstrek. Insurance premiums are primarily based on factors such as the vehicle’s safety features, repair costs, theft rates, and the driver’s profile. However, fuel-efficient vehicles like the Crosstrek may indirectly affect rates by potentially qualifying for certain eco-friendly or low-mileage discounts offered by some insurance providers.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.