- Subaru CrossTrek insurance costs $1,334 per year for a full coverage policy, depending on the trim level.
- With an insurance cost range of $254, the cheapest Crosstrek insurance is on the base AWD model at around $1,236 per year, and the most expensive trim being the Plug-in Hybrid AWD at $1,490 annually.
- When compared to other small SUVs, the 2021 Subaru CrossTrek is one of the cheaper small SUVs to insure, costing $23 less per year on average.
- Deleting physical damage insurance coverage on an older Subaru CrossTrek could potentially save $706 per year, depending on the policy deductibles and the age of the rated driver.
How much does Subaru CrossTrek car insurance cost?
Subaru CrossTrek insurance costs an average of $1,334 per year for a policy with full coverage. Monthly insurance cost for the CrossTrek ranges from $103 to $124, depending on the trim level.
Collision coverage will cost about $606 a year, liability/medical (or PIP) coverage is an estimated $430, and the remaining comprehensive is around $298. These amounts are only estimates, as the cost of coverage is determined by each individual insurance company and there are a lot of factors that impact the actual rate you’ll pay.
The chart below breaks down average 2021 Subaru CrossTrek insurance cost using variations of driver age and risk profiles. The overall average rate we use for comparisons is the rate shown for a 40-year-old safe driver.
The costs shown in the chart above have a pretty wide range, from $1,108 for a 40-year-old driver who qualifies for a discount rate, up to $3,042 for a 30-year-old driver who has to buy a high-risk policy.
That seems like a wide range, but in fact, liability-only insurance on a CrossTrek could cost under $250 a year in some parts of the country, while a 16-year-old driver with a spotty driving record could pay as much as $15,294 a year in some of the higher-rate areas.
What is the cheapest Subaru CrossTrek insurance?
The cheapest trim level of Subaru Crosstrek to insure is the base AWD model at around $1,236 per year, or about $103 per month. The second cheapest model is the Premium AWD model costing an average of $1,282 per year.
The most expensive trim is the Crosstrek Plug-in Hybrid AWD at $1,490 per year, or around $124 per month. It will cost about $250 more per year to insure the Hybrid CrossTrek compared to the base model.
The table below details average 2021 Subaru CrossTrek car insurance rates for annual, semi-annual, and monthly policy terms.
| Subaru Crosstrek Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| AWD | $1,236 | $618 | $103 |
| Premium AWD | $1,282 | $641 | $107 |
| Limited AWD | $1,352 | $676 | $113 |
| Plug-in Hybrid AWD | $1,490 | $745 | $124 |
Is CrossTrek insurance cheaper than other small SUVs?
The Subaru CrossTrek ranks #25 out of 41 comparison vehicles in the 2021 small SUV class. The Crosstrek costs an average of $1,334 per year for full coverage insurance, while the segment average cost is $1,357 per year, a difference of $23.
When compared directly to popular vehicles in the small SUV segment, insurance rates for a Subaru CrossTrek cost $102 less per year than the Toyota RAV4, $128 more than the Honda CR-V, $52 more than the Chevrolet Equinox, and $372 less than the Jeep Wrangler.
The chart below shows how CrossTrek car insurance rates compare to the top 10 best selling small SUVs for the 2021 model year. Following the chart is a table that ranks all 41 small SUV models for insurance affordability, with the CrossTrek coming in at #25.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Mazda CX-3 | $1,160 | -$174 |
| 2 | Honda CR-V | $1,206 | -$128 |
| 3 | Mazda CX-5 | $1,222 | -$112 |
| 4 | Mazda CX-30 | $1,226 | -$108 |
| 5 | Ford Ecosport | $1,230 | -$104 |
| 6 | Toyota C-HR | $1,234 | -$100 |
| 7 | Nissan Rogue Sport | $1,242 | -$92 |
| 8 | Hyundai Kona | $1,244 | -$90 |
| 9 | Chevrolet Trax | $1,246 | -$88 |
| 10 | Buick Envision | $1,254 | -$80 |
| 11 | Nissan Kicks | $1,256 | -$78 |
| 12 | Hyundai Venue | $1,258 | -$76 |
| 13 | Mitsubishi Eclipse Cross | $1,260 | -$74 |
| 14 | Hyundai Tucson | $1,264 | -$70 |
| 15 | Kia Sportage | $1,268 | -$66 |
| 16 | Jeep Compass | $1,270 | -$64 |
| 17 | Kia Soul | $1,274 | -$60 |
| 18 | Chevrolet Equinox | $1,282 | -$52 |
| 19 | Chevrolet Trailblazer | $1,290 | -$44 |
| 20 | Honda HR-V | $1,302 | -$32 |
| 21 | Volkswagen Tiguan | $1,308 | -$26 |
| 22 | Subaru Forester | $1,318 | -$16 |
| 23 | Ford Escape | $1,328 | -$6 |
| 24 | Subaru Crosstrek | $1,334 | -- |
| 25 | Nissan Rogue | $1,334 | $0 |
| 26 | Buick Encore | $1,334 | $0 |
| 27 | Kia Seltos | $1,344 | $10 |
| 28 | GMC Terrain | $1,346 | $12 |
| 29 | Volkswagen ID4 | $1,382 | $48 |
| 30 | Fiat 500X | $1,386 | $52 |
| 31 | Jeep Renegade | $1,394 | $60 |
| 32 | Toyota RAV4 | $1,436 | $102 |
| 33 | Kia Niro | $1,450 | $116 |
| 34 | Mini Cooper Countryman | $1,486 | $152 |
| 35 | Mini Cooper | $1,512 | $178 |
| 36 | Mitsubishi Mirage | $1,540 | $206 |
| 37 | Ford Bronco | $1,612 | $278 |
| 38 | Mini Cooper Clubman | $1,650 | $316 |
| 39 | Mitsubishi Outlander | $1,678 | $344 |
| 40 | Jeep Wrangler | $1,706 | $372 |
| 41 | Hyundai Nexo | $1,788 | $454 |
How much is insurance on a used CrossTrek?
Forgoing the newest 2021 model and instead insuring a 2016 Subaru CrossTrek could save $294 per year, depending on policy limits. Even a nearly-new 2019 model could save $202 per year.
The data table below details average Subaru CrossTrek car insurance rates for drivers age 20 to 60 for the 2016 through 2021 model years. Insurance cost ranges from a low of $934 for a 60-year-old driver rated on a 2016 Subaru CrossTrek to the most expensive rate of $2,662 per year for a 20-year-old driving a 2021 model.
| Model Year | Driver Age 20 | Driver Age 30 | Driver Age 40 | Driver Age 50 | Driver Age 60 |
|---|---|---|---|---|---|
| 2021 | $2,662 | $1,402 | $1,334 | $1,216 | $1,196 |
| 2020 | $2,604 | $1,368 | $1,300 | $1,188 | $1,168 |
| 2019 | $2,252 | $1,194 | $1,132 | $1,034 | $1,016 |
| 2018 | $2,204 | $1,166 | $1,106 | $1,012 | $992 |
| 2017 | $2,152 | $1,136 | $1,082 | $986 | $968 |
| 2016 | $2,070 | $1,094 | $1,040 | $952 | $934 |
Additional Subaru CrossTrek car insurance rates
If the tables and charts above weren’t enough data to absorb, here are a few more tidbits of information that could lower rates or potentially save you money.
- Find cheaper rates by qualifying for policy discounts. Discounts may be available if the policyholders insure their home and car with the same company, work in certain occupations, belong to certain professional organizations, are loyal customers, are accident-free, or many other policy discounts which could save the average driver as much as $226 per year on the cost of insuring a Crosstrek.
- A clean driving record saves money. If you want to pay the best price on Crosstrek insurance, it’s necessary to drive conservatively. A few minor moving violations have the ramification of spiking the price of a policy as much as $352 per year. Major infractions such as DWI and leaving the scene of an accident could raise rates by an additional $1,236 or more.
- Subaru Crosstrek insurance rates for teenagers are high. Average rates for full coverage Crosstrek insurance costs $4,830 per year for a 16-year-old driver, $4,512 per year for a 17-year-old driver, and $4,212 per year for a 18-year-old driver.
- High risk insurance is expensive. For a 20-year-old driver, having to buy a high-risk insurance policy could trigger a rate increase of $2,088 or more per year.
- Get cheaper Crosstrek auto insurance rates because of your profession. Some insurance companies offer policy discounts for being employed in occupations like firefighters, nurses, architects, emergency medical technicians, lawyers, and other occupations. If your occupation qualifies you for this discount, you may save between $40 and $151 on your annual auto insurance bill, depending on the age of the driver.
