Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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UPDATED: Jul 15, 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 about $199 less per year than the average vehicle with full coverage costing around $1,320 a year or $110 a month. Good drivers can save up to $544 a year in policy discounts by practicing safe driving habits. Let’s take a closer look at Subaru Crosstrek insurance rates, safety ratings, and more.

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.

Table of Contents

Subaru Crosstrek Insurance Cost

The average Subaru Crosstrek car insurance costs 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 BMW X6, Nissan Rogue, and Chevrolet Trax.

Vehicle Comprehensive Collision Liability Total
Subaru Crosstrek $336 $532 $316 $1,320
BMW X6 $432 $834 $398 $1,822
Nissan Rogue $268 $512 $440 $1,400
Chevrolet Trax $280 $470 $372 $1,280
Infiniti QX30 $344 $686 $398 $1,586
Mazda CX-5 $322 $532 $372 $1,384
Lexus RX 450h $390 $718 $420 $1,708
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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

The average Subaru Crosstrek car insurance rates are higher for newer models. For example, car 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
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Driver Age

Driver age can have a significant effect on Subaru Crosstrek car insurance rates. For example, 20-year-old drivers pay $1,614 more for their Subaru Crosstrek car 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 New York may pay $344 a year more than drivers in Chicago.

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 rates with violations on their driving record.

Subaru Crosstrek Safety Ratings

The Subaru Crosstrek’s safety ratings will affect your Subaru Crosstrek car 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
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Subaru Crosstrek Crash Test Ratings

Subaru Crosstrek crash test ratings will affect your Subaru Crosstrek car insurance rates.

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
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Subaru Crosstrek Safety Features

The numerous safety features of the Subaru Crosstrek help contribute to lower insurance rates. The 2020 Subaru Crosstrek has the following safety features:

  • 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

When 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 rates from the best companies using our FREE tool below.

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Ways to Save on Subaru Crosstrek Insurance

You have more options at your disposal to save money on your Subaru Crosstrek auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Subaru Crosstrek car insurance rates

  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Use a Service Like Turo to Rent Out Your Subaru Crosstrek
  • Avoid the Temptation to File a Claim for Minor Incidents
  • Ask About Seasonal Insurance for Your Subaru Crosstrek
  • Park Your Subaru Crosstrek Somewhere Safe – like a Garage or Private Driveway

Top Subaru Crosstrek Insurance Companies

The best auto insurance companies for Subaru Crosstrek car insurance rates will offer competitive rates, discounts, and account for the Subaru Crosstrek’s safety features. The following list of car insurance companies outlines which companies hold the highest 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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Compare Free Subaru Crosstrek Insurance Quotes Online

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.