Subaru Outback or Crosstrek: Which Costs Less to Insure?

• The Subaru Crosstrek beats the Subaru Outback in our head-to-head comparison, saving an average driver $216 per year on auto insurance.
• For the 2024 Subaru Outback, average full-coverage car insurance rates range from $1,472 to $1,696 per year, while a 2024 Subaru Crosstrek costs from $1,332 to $1,462, depending on trim level.
• The Subaru Outback costs $265 less per year than the national average car insurance rate of $1,883, while the Subaru Crosstrek costs an average of $481 less per year.

Is insurance cheaper for a Subaru Outback or Crosstrek?

For new Outback and Crosstrek models, the vehicle with the cheapest average car insurance rates is the Subaru Crosstrek. Insurance on a Subaru Outback costs an average of $1,618 per year, while insurance for a Subaru Crosstrek costs an average of $1,402 per year.

Out of nine trims for the 2024 Subaru Outback, the cheapest rates are on the Base model at a cost of $1,472 per year.

For the five trims available for the Subaru Crosstrek, the cheapest 2024 trim to insure is the Base model at a cost of $1,332 per year, or around $111 per month.

When comparing car insurance rates for both models by trim level, the most affordable model and trim level is the Subaru Crosstrek Base at a cost of $1,332 per year. The overall most expensive vehicle to insure is the Subaru Outback Touring XT at a cost of $1,696 per year.

The table below ranks the annual and monthly cost of car insurance for 2024 Subaru Outback and Subaru Crosstrek models, with average cost for each trim level.

The rate chart below visualizes the average cost to insure the two models for the 20 to 50-year-old driver age groups. For a 2024 Subaru Outback, average car insurance cost ranges from $1,426 to $3,266 per year for the driver ages used. A 2024 Subaru Crosstrek costs from $1,244 to $2,758 to insure per year.

The next two tables display the expected annual car insurance cost by trim level for both 2024 models, as well as an average rate for each model. The 2024 Subaru Crosstrek has cheaper average auto insurance rates than the 2024 Subaru Outback.

2023 Subaru Outback vs. Subaru Crosstrek

For new Outback and Crosstrek models, the model having the cheapest rates is the Subaru Crosstrek. Average insurance rates for the Subaru Outback are $1,590 per year, whereas insurance for the Subaru Crosstrek costs an average of $1,412 per year.

For the nine trim levels available for the 2023 Subaru Outback, the cheapest trim level to insure is the Base AWD trim at an average cost of $1,452 per year. The 2023 Subaru Crosstrek has five trims available, with the cheapest trim level to insure being the Base AWD model at an average cost of $1,322 per year.

When all 14 trims of both models are combined and compared, the cheapest trim to insure is the Subaru Crosstrek Base AWD at an average cost of $1,322 per year. The highest-cost model and trim is the Subaru Outback Touring XT AWD costing $1,676 per year.

The table below compares the cost of car insurance for 2023 Subaru Outback and Subaru Crosstrek models, showing average premium cost for each trim level.

The rate chart below displays the average cost to insure both models with different ages of drivers. Average car insurance cost ranges from $1,404 to $3,246 per year for a 2023 Subaru Outback, and $1,250 to $2,850 for a 2023 Subaru Crosstrek.

The next tables display the cost to insure the available trim levels for both 2023 models, as well as an average rate for each model. The cheapest to insure for the 2023 model year is the Subaru Crosstrek.

2022 Subaru Outback vs. Subaru Crosstrek

Insurance rates for a 2022 Subaru Outback average $1,592 per year, and the 2022 Subaru Crosstrek costs an average of $1,392 per year, making the Subaru Crosstrek the winner by $200 per year.

Rates for each model can vary quite a bit depending on the exact options are included with the vehicle.

For the Subaru Outback, car insurance rates range from $1,420 per year for the AWD model up to the most expensive rate of $1,664 for the Touring XT AWD model. And for the 2022 Subaru Crosstrek, rates can range from $1,292 per year on the AWD model up to $1,504 on the most expensive to insure Plug-in Hybrid AWD model.

The rate table below compares and ranks the annual and monthly cost of car insurance for 2022 Subaru Outback and Subaru Crosstrek models, showing average cost for each trim level.

The chart below demonstrates the average car insurance cost for both models using different driver ages. Insurance cost ranges from $1,404 to $3,232 per year on the 2022 Subaru Outback, and $1,234 to $2,814 on the 2022 Subaru Crosstrek for the age groups in the chart.

Out of eight Subaru Outback trims, the lowest-cost 2022 trim level to insure is the AWD model at an average cost of $1,420 per year, or about $118 per month.

For the five trims available for the Subaru Crosstrek, the lowest-cost 2022 model to insure is the AWD trim at a cost of $1,292.

When comparing car insurance rates for both models by trim level, the cheapest vehicle to buy insurance for is the Subaru Crosstrek AWD at an average of $1,292 per year, and the most expensive trim is the Subaru Outback Touring XT AWD at an average cost of $1,664 per year.

The next two rate tables illustrate average car insurance cost by trim level for each 2022 model, plus the average rate for each model. The cheapest to insure for the 2022 model year is the Subaru Crosstrek.

2021 Subaru Outback vs. Subaru Crosstrek

For 2021 Subaru Outback and Subaru Crosstrek models, the Subaru Crosstrek costs less to insure by $142 per year for this comparison year.

The chart shown below shows the average car insurance cost for both models for the 20, 30, 40, and 50-year-old driver age groups. For the 2021 Subaru Outback, the average cost of car insurance ranges from $1,470 to $3,410 per year for the sample drivers in the chart. A full-coverage policy on a 2021 Subaru Crosstrek costs from $1,348 to $3,092 on average per year.

Out of 11 trims for the 2021 Subaru Outback, the lowest-cost average car insurance prices are on the AWD trim at a cost of $1,512 per year. For the four different trims available for the Subaru Crosstrek, the lowest-cost 2021 trim level to insure is the AWD model at a cost of $1,402 per year, or $117 per month.

When average car insurance prices for all 15 trims of both models are combined and sorted by cost, the most affordable model and trim level to insure is the Subaru Crosstrek AWD at an average cost of $1,402 per year. The most expensive model and trim level is the Subaru Outback Touring XT AWD costing an average of $1,736 per year.

The rate tables below detail the average cost to insure all 2021 trim levels, including an overall average cost for each model. The winner for the 2021 car insurance comparison is the Subaru Crosstrek.

2020 Subaru Outback vs. Subaru Crosstrek

A 2020 Subaru Crosstrek costs $136 less per year to insure per year on average than a 2020 Subaru Outback, a difference of 8.8%.

The next chart displays the average car insurance cost for both models with different ages of drivers. A full-coverage car insurance policy ranges from $1,426 to $3,308 per year on a 2020 Subaru Outback, and $1,310 to $3,002 on a 2020 Subaru Crosstrek for the driver ages used.

Out of 11 Subaru Outback trims, the most affordable 2020 trim to insure is the AWD trim at an average cost of $1,468 per year.

Out of the four trims available for a Subaru Crosstrek, the most affordable 2020 model to insure is the AWD model at a cost of $1,362 per year, or $114 per month.

When trim-level rates for both models are compared, the cheapest vehicle to insure is the Subaru Crosstrek AWD at an average of $1,362 per year. The highest-cost model and trim level is the Subaru Outback Touring XT AWD at a cost of $1,682 per year.

The two tables below show all the available trims for both 2020 models, plus the average rate for each model. The cheapest to insure for the 2020 model year is the Subaru Crosstrek.

2019 Subaru Outback vs. Subaru Crosstrek

When comparing insurance cost for 2019 models, a Subaru Outback costs an average of $1,434 per year to insure while a Subaru Crosstrek costs $1,264, making the Subaru Crosstrek cheaper to insure by $170 per year.

The following chart visualizes the average insurance cost for both 2019 models for drivers from age 20 to 50. The average cost of full-coverage insurance ranges from $1,270 to $2,934 per year for a 2019 Subaru Outback, and $1,122 to $2,552 on the 2019 Subaru Crosstrek for the chosen age groups in the chart.

For the six trims available for the 2019 Subaru Outback, the cheapest trim to insure is the 2.5I AWD model at an average cost of $1,310 per year.

For the three trims available for a Subaru Crosstrek, the most affordable 2019 trim level to insure is the 2 AWD model at a cost of $1,184.

When comparing aggregated rates for both models from a trim-level perspective, the cheapest trim to put coverage on is the Subaru Crosstrek 2 AWD at an average cost of $1,184 per year. The highest-cost model and trim is the Subaru Outback 3.6R Touring AWD at an average cost of $1,502 per year.

The next two rate tables break down trim level insurance cost averages for both 2019 models, along with the average rate for each model. The model with the cheapest car insurance rates for 2019 is the Subaru Crosstrek.

2018 Subaru Outback vs. Subaru Crosstrek

For the 2018 Subaru Outback and Subaru Crosstrek models, the Subaru Crosstrek has cheaper car insurance cost by an average of $176 per year.

The following chart displays the average insurance cost for both 2018 models using drivers aged 20 to 50. A full-coverage car insurance policy ranges from $1,194 to $2,746 per year on the 2018 Subaru Outback, and $1,042 to $2,356 on a 2018 Subaru Crosstrek for the age groups used in the chart.

For the six trim levels available for the 2018 Subaru Outback, the lowest-cost model to insure is the 2.5I AWD trim at an average cost of $1,204 per year. For the three option levels available for the Subaru Crosstrek, the most affordable 2018 trim level to insure is the 2 AWD model at a cost of $1,110 per year, or about $93 per month.

When all nine trims of both models are combined and compared, the lowest-cost model and trim to put coverage on is the Subaru Crosstrek 2 AWD at an average rate of $1,110 per year, and the most expensive model and trim level is the Subaru Outback 3.6R Touring AWD at an average cost of $1,486 per year.

The rate tables below show average cost to insure each trim level for a 2018 Subaru Outback and Subaru Crosstrek, including an overall average rate. The 2018 Subaru Crosstrek comes out with a win over the 2018 Subaru Outback for the cheapest overall car insurance rates.

2017 Subaru Outback vs. Subaru Crosstrek

A 2017 Subaru Crosstrek is $124 cheaper to insure per year on average than a 2017 Subaru Outback, a difference of 10.2%.

The chart shown below visualizes the average insurance cost for both 2017 models rated for drivers aged 20 to 50. For a 2017 Subaru Outback, insurance cost ranges from $1,132 to $2,600 per year for the driver examples in the chart. Car insurance for a 2017 Subaru Crosstrek costs from $1,026 to $2,320 on average per year.

Out of six trims for a 2017 Subaru Outback, the cheapest insurance rates are on the 2.5I AWD model at a cost of $1,158 per year, or around $97 per month.

Out of the eight different trims available for a Subaru Crosstrek, the most affordable 2017 model to insure is the 2 AWD model at a cost of $1,068.

When all 14 trims of both models are combined and compared, the most affordable model and trim level to buy insurance for is the Subaru Crosstrek 2 AWD at an average of $1,068 per year, and the highest-cost model and trim level is the Subaru Outback 3.6 Touring AWD at an average of $1,372 per year.

The next two tables illustrate average car insurance cost by trim level for a 2017 Subaru Outback and Subaru Crosstrek, including an overall average rate.

2016 Subaru Outback vs. Subaru Crosstrek

For 2016 Subaru Outback and Subaru Crosstrek models, the Subaru Crosstrek has cheaper car insurance rates by an average of $106 per year.

The chart below illustrates the average cost to insure both 2016 models for drivers from age 20 to 50. For the 2016 Subaru Outback, the average cost of car insurance ranges from $1,036 to $2,364 per year for the example age groups. Full-coverage insurance for the 2016 Subaru Crosstrek costs from $942 to $2,112 on average per year.

Out of four Subaru Outback trim levels, the cheapest 2016 model to insure is the 2.5I 4WD model at an average cost of $1,092 per year, or about $91 per month.

For the eight different trims available for a Subaru Crosstrek, the lowest-cost 2016 trim level to insure is the 2 AWD trim at a cost of $934 per year, or $78 per month.

When rates are compared for the 12 different option levels of both 2016 models, the lowest-cost model and trim to buy insurance for is the Subaru Crosstrek 2 AWD at an average cost of $934 per year. The most expensive trim is the Subaru Outback 3.6R Limited 4WD at an average of $1,248 per year.

The tables shown below illustrate average cost to insure each trim level for a 2016 Subaru Outback and Subaru Crosstrek, including an overall average rate. The cheapest of the two models to insure for the 2016 model year is the Subaru Crosstrek.

Additional Subaru Outback and Subaru Crosstrek Resources

• Subaru Outback Insurance Cost
• Subaru Crosstrek Insurance Cost
• Midsize SUV Insurance Cost Comparisons
• Small SUV Insurance Cost Comparisons