Compare Subaru Crosstrek Insurance Quotes
Insurance rates for a Subaru Crosstrek average $1,320 a year, or around $110 a month. Good drivers can save as much as $2,036 a year over higher risk drivers.
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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: Jun 18, 2020
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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 insurance rates are $110 per month for full coverage, $44 per month for liability-only coverage, and $402 per month for teen drivers. Find out how you save $544 per year through policy discounts in our Suburu Crosstrek vehicle review.
You can start comparing quotes for Subaru Crosstrek auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Subaru Crosstrek Insurance Cost
The average Subaru Crosstrek auto 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 Toyota C-HR, Hyundai Kona, and Infiniti QX30.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Subaru Crosstrek | $336 | $532 | $316 | $1,320 |
| Toyota C-HR | $254 | $452 | $258 | $1,074 |
| Hyundai Kona | $280 | $500 | $316 | $1,232 |
| Infiniti QX30 | $344 | $686 | $398 | $1,586 |
| Cadillac XT4 | $362 | $656 | $316 | $1,470 |
| Lexus NX 300 | $376 | $688 | $372 | $1,594 |
| Ford Escape | $280 | $438 | $316 | $1,170 |
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?
The Subaru Crosstrek trim and model you choose can impact the total price you will pay for Subaru Crosstrek insurance coverage.
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 effect on Subaru Crosstrek auto insurance rates. For example, 20-year-old drivers pay $1,614 more for their Subaru Crosstrek auto insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Subaru Crosstrek insurance rates. For example, drivers in Houston may pay $972 a year more than drivers in Columbus.
Your Driving Record
Your driving record can have an impact on the cost of Subaru Crosstrek auto insurance. Teens and drivers in their 20’s see the highest jump in their Subaru Crosstrek auto insurance with violations on their driving record.
Subaru Crosstrek Safety Ratings
Your Subaru Crosstrek auto insurance rates are tied to the safety ratings of the Subaru Crosstrek. See the breakdown 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
If the Subaru Crosstrek crash test ratings are good, you could have lower 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
Having a variety of safety features on your Subaru Crosstrek can help lower your insurance costs. According to AutoBlog, the 2020 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, you will pay more if you purchase Subaru Crosstrek auto insurance at the dealership, so be sure to shop around and compare Subaru Crosstrek auto insurance quotes from the best companies using our FREE tool below.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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5 Ways to Save on Subaru Crosstrek Insurance
There are several ways you can save even more on your Subaru Crosstrek auto insurance rates. Take a look at the following five tips:
- Get Married and Ask for a Discount
- Renew Your Subaru Crosstrek Auto Insurance Coverage to Avoid Lapses
- Re-Check Subaru Crosstrek Insurance Rates Every 6 Months
- Understand that Your Insurer Can Change Your Subaru Crosstrek Auto Insurance Rates Mid-Term for Other Reasons
- Ask for a Subaru Crosstrek Insurance Rate Discount If You Have College Degree or Higher
Top Subaru Crosstrek Insurance Companies
Several top auto 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 auto 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 | |||
Compare Free Subaru Crosstrek Insurance Quotes Online
You can start comparing quotes for Subaru Crosstrek insurance from some of the top auto insurance companies by using our free online tool today.